vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

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 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
I have attempted to dispute the debt via XXXX XXXX, but the options to proceed did NOT adequately provide dispute-specific resolutions, as to why I believe results were not favorable. 

According to the FCRA, my rights have been violated by Hunter Warfield in the following areas : 15 USC 1681 Section 602 ( Right to Privacy ) 15 USC 1681 Sec 604-A ( No agency can report without my original wet signature or written consent ).

15 USC 1692-B ( Acquisition of Location ) Due to the aforementioned violation of rights, according to the FCRA, I'm asking that this debt be removed in compliance with the debt being more than XXXX XXXX XXXX from the original date of collection. NEW LAW PASSED BY CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-22 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: IL

Complaint narrative:
please see attached documents fraudulent accounts do not belong to me.

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 2023-09-22 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: CA

Complaint narrative:
I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX  XXXX. Please delete this account ASAP.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX XXXXXXXX. Please delete this account ASAP.

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 2023-09-22 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: IL

Complaint narrative:
I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my XXXX XXXX mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX  regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, XXXX XXXX  must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.

Approximately on or about XX/XX/XXXX, I received notification that XXXX XXXX  reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from XXXX XXXX  asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, Transunion, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts XXXX XXXX  determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. XXXX XXXX  can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. XXXX XXXX  also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.

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 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/23 and XX/XX/23 I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I demand the collections be removed from my account 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Non eligible telephone number, banker stated that they file claim to get my number eligible so that I can order a new bank card. They told me on several different occasions all different answers on days it would take for them fix issue going on. So Everytime I wait period, then call see if I can order my atm they won't do it. Keep making up excuses reasons why they can't help me .... 

I would like for my atm bank card to be over nighted to my address.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It started when my phone was stolen and hacked on XX/XX/2023. The perpetrator hacked my phone and my digital wallet was compromised along with my online banking accounts. He changed all the security information on my accounts including emails, passwords, and phone numbers used to verify my identity. I was unable to receive notification about suspicious activity because I was also locked out of my email accounts. So I was unaware of the unauthorized transactions. It wasnt until XXXX XXXX that my fianc received a notification that our joint savings account had money transferred out. Thats what prompted me to alert my other financial institutions but because it was over the XXXX XXXX holiday I wasnt able to physically go to a branch to verify my identity since over the phone it was impossible. I filed a police report right away and contacted the credit bureaus as well as filing with the FTC for identity theft. 

Through the help of XXXX XXXX  I was able to regain access to my email account and as I was researching the transaction notifications I found that the perpetrator rented a car using my XXXX  account and was due to return the car on XXXX XXXX, XXXX. I alerted the police and they were able to arrest him and charged with XXXX XXXX  counts. 

As I was following up with the banks and cooperated with their investigations and spoke to their security teams. 

They asked me details about what happened and how my account were compromised. 

I let them know that I had the physical cards but my digital wallet and bank applications were hacked and the perpetrator was able to make transfers, open new accounts, apply for new credit cards and debit cards as well applying for loans all from the online banking apps on my phone. 

After some time roughly 10 days, XXXX came back with a decision that no fraud was found. I requested documentation and appealed the decision. I am waiting for the documentation. 

Wells Fargo verbally notified me that some of the claims on my checking account had been denied while other claims on my credit card had been validated and considered fraud. I have credited transactions to my credit card but not my checking. Same institution same dates of activity yet different outcomes from different divisions. 

This was 100 % unauthorized and fraudulent activity in which a perpetrator was arrested  and charged. How is it that these banks can keep my money? Where did they find proof that this was not fraud? Did they use security footage? Did they verify ID when the transactions were made? Did they ask for signatures on receipts? If the investigation team thoroughly checked they would know it was not me. Please help.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Just want to make sure background is showing clean and clear

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 2023-09-22 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: MA

Complaint narrative:
Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. 


The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX

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 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I have been working with United Wholesale Mortgage on my loan # XXXX since XX/XX/2023 and I received the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 by electronic correspondence. Since I intend to keep my home and have repeated that to the Loss Mitigation Department several times, I performed my due diligence and wrote an email to their XXXX on XX/XX/2023 that I accept the XXXX XXXX XXXX. Secondly, I sent a secure message to their UWM secure message center that I accept the plan on XX/XX/2023 as well. On XX/XX/2023, I called to make my XXXXXXXX XXXX XXXX payment and the customer service rep informed me that he can only make the payment effective XX/XX/2023 and not my requested date of XX/XX/2023. Thirdly, I informed this customer service rep that the payment on the phone was for the XXXX XXXX XXXX payment which he observed was for {$4300.00} and I have electronic correspondence that the payment was agent assisted for that amount which I have uploaded here. 

On XX/XX/2023, I observed that my credit report was negatively affected as delinquent which I believe is against the federal regulations for a XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 at XXXX CST, I called UWM to ask for information on why this occurred and inform them of the mistake. I was transferred to a loss mitigation specialist who informed that Loss Mitigation did not acknowledge that I accepted the XXXX XXXX XXXX  even though I have XXXX sets of proof that I did accept the plan. The loss mitigation specialist did acknowledge the mortgage servicer error and she observed the proof of my acceptance letter sent on XX/XX/2023 and received by UWM on XX/XX/2023. The loss mitigation XXXX informed me that she needed to create XXXX separate requests for the following : 1 ) Acknowledge that the XXXX XXXX XXXX  was accepted ; 2 ) Remove the negative credit reporting due to error ; 3 ) Remove the late charge assessment on XX/XX/2023 ; 4 ) Fix the mortgage payment made on XX/XX/2023 and apply it to the suspense account for further review. 

This CFPB complaint is to record and document the mortgage servicer error and to ensure this is resolved appropriately in an expedited manner because my credit is wrongly being affected due to this lender error.

Company response to consumer: Closed with explanation