vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
The insurance company had send a notice of cancelation. It was due XX/XX/year> and I called the company Mr. Cooper to find out why the disbursement was not made. ( XX/XX/year> ). At that time the told me they did not have the current declarations page. I called the insurance company and asked them to send it to them. There was some confusion with MR Cooper also doing business as Nation Star and was sent to the wrong address. The insurance company called and got the correct address and sent them the policy. Payment had to be in before XX/XX/year>. I received a notice again saying the insurance was about to cancel. I had call Mr. Cooper to see if they had received the declaration page. Yes they did. I asked way my disbursement payment was not made. ( XX/XX/year> ) I had called the insurance company and gave me an address to over night the payment but Mr. Cooper would not take the address and wanted it confirmed with the insurance company. They could not get a hold of them and did not help me. XXXX afternoon XX/XX/year> called Mr. Cooper again. We was on a XXXX way call and the insurance company spelled out the address and attention line to the mortgage company. She said she will do that today. The insurance company said give it a few days to process so give it a few days before calling back. I call XXXX XX/XX/year> the insurance company still has not received the check. I called Mr. Cooper back again she informed me that they wired the money on XX/XX/year> but no confirmation to give me that they received it. Once again there was a XXXX way call and the insurance company said they do not take wired payments. XXXX from Mr. Cooper said the address and said will overnight it and put a note that we only have 15 days to complete this. I am at my wits end trying to get them send this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I have money transferred from my XXXX brokerage account to my Santander checking account around XX/XX/year>. 
On XX/XX/year> I went to a local Santander branch in XXXX XXXX XXXXo close my account. I met with branch XXXX XXXX XXXX. 
She called their department and told me that my account has been frozen because my account is under review due to a fund transfer from XXXX. XXXX asked me to come back in XXXX days to close my account. I called Santander on XX/XX/year> and my account is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been an account holder since childhood. 
There is millions in bankshares missing and I can't access my account.

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 2024-12-17 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: Innovative Collections, LLC
State: AR

Complaint narrative:
This has been discussed directly with the creditors and advised my personal information doesn't even match the account. But it is still listed on my report and just affect me from getting a home loan.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-17 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These entries were fraudulently added as a result of identity theft due to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items permanently removed from my credit report. 
Fraudulent Accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These entries were fraudulently added as a result of identity theft due to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ), I am exercising my right to have these items permanently removed from my credit report. 
Fraudulent Accounts : AXXXX 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 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 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 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 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Procollect Services LLC
State: ND

Complaint narrative:
The company calls me multiple times per day while I am at work. Previous mailed attempts were all sent to my old address and recently forwarded. I was just served today. The lawyer on the papers served is rude, mean, undermining and unwilling to be sensible about my financial situation. He lacks empathy and is unwilling to work out a payment arrangement and demands repayment in full immediately otherwise he tells me I will just have my wages garnished or go to court and end up paying more. Company can not provide me with information besides whom the debt is for and the amounts. This is a medical debt I have attempted numerous times to settle with the hospital prior to it being sent to collections, due to them double-billing me and not submitting my claims to insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OK

Complaint narrative:
I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-17 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: OK

Complaint narrative:
I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-17 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: NY

Complaint narrative:
This credit bureau is publishing and reporting a public record on my consumer file or report without my written instructions. I also submitted a dispute with the original furnisher in which updates where made and requested this credit bureau as per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide a description of the procedure used to determine the accuracy and completeness of the information disputed and they have not. The results that I received from the dispute is that the record was verified as accurate and no description of the procedure that was used to determine the accuracy and completeness of information was provided.

My dispute is not about the accuracy of the public record its about that fact as per FCRA law that they are not allowed to publish or report this on my consumer file or report without my written instructions.

I have reason to believe that this credit bureau is not actually accurately verifying the information as per FCRA rules but telling me that they did.

Also as per FCRA 15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( b ) Conditions for furnishing and using consumer reports for employment purposes I have not provided written instruction for them to publish my public record on their report. I have the right to my privacy as per FCRA.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested numerous times that they provide me with the purchase agreement to show full ownership of such an account and also other documents to prove such debt, In which, they have not. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Been paying for identity theft insurance since XX/XX/XXXX at XXXX per month. I have received XXXX reply after months of no communication or activity. XXXX left without professional guidance after paying into this false perception of the protection that is being offered by Experian XXXX XXXX owned by XXXX trademark. Both companies are not helping XXXX American customers nor is it helping XXXX Indians which is myself. All I have ever gotten was voice mails from XXXX or XXXX actors to appear to offer identity theft victim assistance and the person name was Aerial. XX/XX/XXXX. This doesnt help anyone who is actually suffering from identity theft and has been robbed of their identity to sustain life. All things considered related to your independence is a game to Experian, XXXX and XXXX as well. I will consult With the XXXX XXXX about this be a little while ago I believe that I would be receiving some sort of relief if some kind but nothing but humiliation and a voicemail after XXXX on a Friday go never receive a call, email or assistance of any sort. Except a message about the next subscription XXXX XXXX!! This is bogus not to mention Experian has ignored the request to cancel a number perpetrating my identity XXXX. There is renters insurance on my profile and addresses I dont have any affiliation with. I do not have a pet since XXXX and I do not have a renters insurance policy of any kind. If I had ever had XXXX to be exact. So Experian is playing a big part in this fraud, helping to deceive for monthly subscribers and subscriptions! Stop deceitful Experian by making it a crime to sell insurance for profit under a false advertising scheme. I have XXXX data breaches and I have never filed a claim against anyone, any company nor any other entity for insurance identity fraud or related fraud. This is the first time Ive ever tried to use the benefits I have been paying for all this time. If there was any fraud claimed to have been, it was not by me. I am trying to make sense out of the situation that I am overwhelmed with considering all the money I have spent over the years.

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 2024-12-17 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I have several fraudulent and hard inquiries on my credit report negatively effecting my XXXX XXXX. 

I did not authorize these hard inquiries and believe I am a victim of identity theft. 

Please remove them from my credit report as soon as possible. The following fraudulent unauthorized hard inquiries must be removed immediately. 

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove all of the above listed fraudulent hard inquiries from my credit report 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 2024-12-17 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: LA

Complaint narrative:
I have several fraudulent and hard inquiries on my credit report negatively effecting my credit score. 

I did not authorize these hard inquiries and believe I am a victim of identity theft. 

Please remove them from my credit report as soon as possible. The following fraudulent unauthorized hard inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove all of the above listed fraudulent hard inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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