vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I am a victim of identity theft. I contacted XXXX and submitted the proper documentation ( drivers license, social security card, FTC report with my accurate name ) required to have the accounts removed that are not in my name. The accounts and inaccurate name ( XXXX XXXX, XXXX XXXX ) were removed and reinserted without proper investigation or without proper notice. The FCRA states that in order for reinsertion to occur, the client must be notified within 5 business days.. I was never given such notification I have reached out to XXXX numerous time to inform them that they are reporting several accounts that are not in my name and inaccurate, that have been reinserted without the proper due diligence and either it is impossible to get through to the bureau due to an automated system that doesnt allow for the consumer to speak with a live person or if by some miracle, I am able to get through, XXXX refuses to remove the items and as a consolation, they file another dispute and it comes back as verified as mine, despite the account not being in my name. This issue has caused me and my family great hardship and I have been unable to qualify for jobs, receive car loans, receive credit cards or loans. If f I am approved for anything, the high interest rates takes the payment out of my reach. I demand that XXXX follows FRCA laws and removes these inaccurate accounts that have been reinserted without proper notification or compliance immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Have been working with the loss draft department to disperse funds for the rebuilding of our home due to house fire. During this process, have finally come to consensus that to get more funds for materials we need to submit a materials list for materials only and no labor included. This was done shortly after the first required inspection was completed. after weeks of back and forth and outright refusal of our processor to contact my contractor, a correct material list was submitted by my contractor that met their requirements on XX/XX/year>. Was told would be and 8-10 Day wait for processing. Called on XX/XX/XXXX and was told material list was incomplete, only to discover they simply needed to combine the two documents we already sent the XXXX for a complete material list. They do this and start the 8-10 day time frame over. I call after this time frame and am told our processor is on leave and had to assign a new one. But this new processor has reviewed our material list and submitted to Upper management for review, give an additional 2 days. I call after two days and am told the new processor has NOT looked at our material list as previously stated and just reviewed that day and is waiting for response from upper management and give additional 2 days. I call after two days, our material list was approved BUT now requires another inspection because one has not been done in 30 days, even though no additional work has been done on the home and money for materials which we have already submitted is needed to continue. The customer service person requests the inspection be waived due to this fact on Thursday, XX/XX/XXXX, call to back on Tuesday XX/XX/XXXX and should be a decision. Receive a call on Tuesday from the processor with no knowledge of inspection request or really much of what is going on with case. I explain our situation again with material list, processor escalates with management again. I call back the following day and am told the processor has escalated the case so give an additional 3-5 days for management to respond. So each time I call i time frame given, I am given and excuse why our funds to purchase materials for my home, that is incurring damages from weather elements daily, is delayed and no resolution in sight. We simply need funds to purchase materials to be able to demolish and rebuild roof in one go round so no more damage is done to home from weather but no matter how many times I state this it never gets through

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am unaware of any contractual agreement or obligation to pay you. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found multiple errors that require immediate correction. Specifically, I dispute the following inaccuracies : XXXX. Account : [ XXXX XXXX ] ( Account # XXXX ) ** The report indicates late payments and charge-off status for this account. However, under 15 U.S. Code 1666 ( b ), billing errors, including late payments, must be verified through proper documentation. A simple billing statement is insufficient evidence of a valid debt. Without proper verification or disclosure, this reporting is inaccurate. 
XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is reported as collection/charge-off and reflects inaccurate balance and payment history.

Collections : As outlined in 15 U.S. Code 1692 ( c ), I did not provide consent for communication from a debt collector. Therefore, any alleged debt communication related to this account is invalid.

Charge-Offs : According to 15 U.S. Code 1601, the creditor failed to provide all necessary disclosures under the Truth in Lending Act. Without proper compliance, the charge-off reporting is legally inaccurate. 
XXXX. Inaccurate Repossession Entry The repossession entry associated with [ specific account, if applicable ] fails to confirm legal authorization to repossess from personal property. Under 15 U.S. Code 1692 ( f ) ( 6 ), the repossession agency must have the proper legal rights, which are not clearly demonstrated in this case. 
XXXX. Multiple Late Payment Records Several late payments are reported across accounts, but there is no substantial evidence to verify these claims. Under 15 U.S. Code 1666 ( b ) and supporting case law, billing errors and late payments must be substantiated with sufficient documentation, which has not been provided.

Requested Action : I request that you immediately : Investigate the listed inaccuracies.

Provide documentation or verification that substantiates these reports in compliance with FCRA and applicable laws.

Remove or correct all inaccurate, incomplete, or unverifiable information from my credit file.

Please provide a written response detailing the outcome of your investigation within 30 days, as required by 15 U.S. Code 1681i. Attached are copies of my credit report with the disputed items highlighted for your convenience, as well as supporting documentation for my dispute.

Failure to resolve these inaccuracies could result in further legal action under applicable consumer protection laws. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX  - Account # XXXX to Experian/TransUnion and XXXX XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX  regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
It is a violation of HIPAA to have this reflected on my credit report. I have requested an itemized bill for this office visit and which one was never received. I have also requested documentation that proves the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested a hard copy of my credit report and received instead XXXX CDs with no content on them. I was notified by a third party that my XXXX credit score had plunged XXXX points to XXXX or poor. This is a little hard to justify as I have no debts or delinquencies ; and there is no derogatory information. I have XXXX secured credit card with XXXX called XXXX and XXXX credit card with XXXX XXXX, both of which are up to date.TransUnion has nonetheless rated me a poor risk based on non-existant data. XXXX does this deliberately because they want to stay in the good graces of their primary clients, the big banks, who want the credit pool to be as limited as possible. This is called conspiracy. XXXX has made up out of whole cloth what amounts to defamation of me. Permit me to back up for a second and descibethe corrupt methods XXXX shares with Equifax and XXXX. A business, a XXXX client, reports as fact XXXX side of a dispute. Say AT & T claims they were not paid. The consumer, who is at a disadvantage, because he is not a client of XXXX, says XXXX XXXX XXXX couldnt hook up his TV. To add another layer, XXXX XXXX XXXX places the bogus debt with a collection agency who knows nothing about the dispute. When the consumer complains, XXXX verifies the debt with the collection agency which is ignorant of the facts. This is fraud. Once the facts come to light through the diligent efforts of the consumer ( me ) or XXXX years pass, the false information is deleted. The next phase of this sorry fandango is denial of credit because there is no credit history, for which XXXX is responsible. Consumers who successfully climb out of that conundrum are still defamed by XXXX and its unholy brethren because their credit usage is too recent. Back to Square One. XXXX is a knowingly corrupt enterprise. Their XXXX goal is to please the banks by eliminating as many creditors as possible. Again, my current XXXX credit score, a meaningless number concocted out of willful malice, is XXXX and not high enough to rent an apartment. If XXXX does not raise my credit score to XXXX by XX/XX/XXXX, I intend to file a lawsuit through XXXX registered agent, XXXX XXXX XXXX of XXXX, Delaware charging : invasion of privacy, fraud, conspiracy, conspiracy to defraud, defamation and intentional infliction of emotional distress. It is about time somebody stood up to these corrupt entities that ruin peoples lives. You have XXXX  days or legal action will follow.

Company response to consumer: Closed with explanation