vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates 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.

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a home at XXXX XXXX XXXX, XXXX, NJ, XXXX for {$450000.00}. They claim they have no record of me ever having a mortgage agreement with them. I believe I also initially filed a report on here and Wells Fargo did reach out to me after. However, they claimed they have no records of me ever purchasing a loan or mortgage with them, so I assumed I was out of luck until my son found the information from the municipal courthouse of XXXX with the docket number and who, why, what and when. I asked them how is that possible? I remember sending the down payment of my life savings of almost {$72000.00} to Wells Fargo NA ( I do not recall the rest of the name but for some reason I do recall it said 'Wells Fargo NA ' no clue why NA after ). 

I missed a payment and told them I would have it in a few days. A gentleman who called me from Wells Fargo, told me not to make the payments as he told me Wells Fargo will offer some relief on the interest rate if I was having trouble making the payments. He told me it would take 2-3 months to revise the interest rate to a lower percentage and revised amount would be billed to me with a savings of a large amount ( I believe it was around {$300.00} a month savings I am not certain as some time has passed ). A few months later, I did receive a bill with a slew of fees, title fees and all this and that. I told them I was not informed of these charges prior because I would have never consented to it, and I just wished to pay my original monthly mortgage amount. They told me that is not possible anymore, and no payment would be accepted unless in full, and if I could not pay this amount a foreclosure would commence. I sent the remaining balance of the old mortgage payments, but it was never accepted. It seems they just wanted me out of there as soon as possible as if it was nothing to them. They did nothing at all to assist me keeping my forever home. I asked for resources, and they told me there was none. 

I was baffled and my family of five prepared for the worst. I had no clue what was going to happen, but I knew it was not legal nor ethical. How could they just take my home? I came to this country for these protections. They told me it was the 'end of the line ' and it was not wells fargo problem any longer. After the foreclosure, I never recovered financially and am renting with my wife to this day and relying solely on social security as well gov't subsidies. My current is rent is {$2400.00} and my mortgage was {$2700.00} monthly, which hurts me deeply. This caused my children to naturally resent me and call me XXXX  dad when it was not even my fault. If it was my fault, I would sleep a little better at night.

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 2024-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-05-13 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: CA

Complaint narrative:
I sent multiple letters to XXXX, TRANSUNION and XXXX. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, TRANSUNION tracking number XXXX, XXXX tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXXXXXX XXXX XXXX account number XXXX is reporting late on XXXX and that is 100 % incorrect this account is always paid on time and was never late. XXXX account number XXXX is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX - XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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 2024-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I took out a loan for {$1000.00} to catch up on my bills almost four months ago I have paid between XXXX so far. So the money has already been paid back. but I looked into the fine print and according to them I will have to pay back over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The Dept Collector has been asked to Validate the information they continue to wrongfully provide to the Bureaus through XXXX on XX/XX/year> and the Result of the Debt Collector IC SYSTEM and Dept Collector XXXX XXXX XXXX is wrongfully updated and labeled Completed Investigation, meet Fair Crredit Reporting Act the result is an update account who has been verified before and now has been asked to VALIDATE and provide all information and documents they have with all the information I requested in the XXXX Dispute establishing a Formal Statement of Creditor/Debt Collector Declaration and I declared for FCRA 15 U.S.C ss 1681i to delete all information not provided by mail to me to the address I provided. I bound them to disclose all info regardless if they are a third party stating Federal Trade Commission as my defense that violates commission paroted information parroted given to you by other sources and shifted to me which is a violation of Statute 1681 ( a ) ( 4 ) to make original collector have liability and the Dept Collector have to provide and respond to me regardless of them being faithful and can continue to ignore and damage my credibility since they do not respond to me and they are only required to respond to the Original Collector. I raised statute of Limitation as my defense and I have the right to demand ALL INFORMATION OF ALLEGED ACCOUNT. PROMPTLY DELETED IF INFORMATION IS NOT VALID OR IF IS NOT PROVIDED. WHITIN 30 DAY DISPUTE PERIOD. I did establish in a Formal Statement in my dispute that I required an assigned XXXX member to show all dates and what document the Dept Collector Provided. I demanded to be sent copied to the same address I provided in my Report to be sent back to me for me to review and validate before they would determine the result of my VALIDATION. They only provided a vage with missing items carelessly displaying how easy they verify nothing and still harm me. I received a report from XXXX only on XX/XX/year> Formally Disputed on XX/XX/year>. Currently the only thing XXXX did accomplish was providing me the result prior to the XX/XX/year> deadline ON TIME but failed to Validate or truly investigate the accounts under dispute. They never even allowed me to verify such information myself before updating my report. I am being harmed wrongfully and I need XXXX XXXX Credit Bureau to please help me remove all negative accounts that do NOT belong to me and have been sold or withholding the information and without validation.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-13 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates 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.

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 2024-05-13 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: CO

Complaint narrative:
There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.

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 2024-05-13 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:
I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately.

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.

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 2024-05-13 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:
I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Inquiry by Capital One [ XXXX ] [ XXXX ] [ XX/XX/year> ] Dear, Consumer Financial Protection Bureau I am writing to file a formal complaint against Capital One regarding an inaccurate inquiry on my credit report. As a reputable credit repair company, we have diligently worked with our clients to rectify inaccuracies on their credit reports, and it is disheartening to see such negligence from a financial institution like Capital One. 

Upon reviewing my credit report, I noticed an unauthorized inquiry made by Capital One on [ XX/XX/year> ]. This inquiry was not initiated or authorized by me, and therefore, it should not be reflected on my credit report. Such inaccuracies have severe repercussions on my credit score and financial credibility, potentially affecting my ability to secure loans or obtain favorable terms on financial products. 

. It is imperative that this inaccurate information be promptly removed from my credit report to ensure its accuracy and integrity. I have made numerous attempts to resolve this matter directly with Capital One, but they have been uncooperative and have failed to take appropriate action. 

As a consumer, I rely on the accuracy of my credit report to make informed financial decisions, and the presence of inaccurate information undermines this trust. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Capital One to rectify the error promptly. 

I kindly request your assistance in resolving this issue and ensuring that Capital One complies with the Fair Credit Reporting Act by removing the inaccurate inquiry from my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, [ XXXX, XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. XXXX opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. XXXX opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.

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