vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Trans Union XXXX XXXX Account names : - XXXX 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 XXXXXXXX -Child Support Enforcement XXXX XXXX XXXXAZ DES Child Support : XXXX XXXXXXXX XXXX Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 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 any reasonable cause to believe that the information is inaccurate.
***** Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts XXXX 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 2024-02-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Experian XXXX Account names : XXXX XXXX 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 XXXXXXXX XXXX XXXX -Child Support Enforcement XXXX XXXX XXXXAZ DES Child Support : XXXX XXXX ***** Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 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 any reasonable cause to believe that the information is inaccurate. 

XXXX Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " 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 2024-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
They sent me a message saying my mortgage loan was payed off. I have gave them over {$28000.00} XXXX. And was told over the phone it was payed off. They told me to make one payment in XXXX and that would be it. Now they say I owe {$4800.00}. They charged me all kinds of fees and to much interest and didn't apply the money I gave the. To the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A I t also states a consumer reporting agency can not furnish an account without my written instructions..

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 2024-02-05 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: NY

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My name is XXXX XXXX XXXX  XXXX owner XXXX XXXX XXXX. XXXX  XXXX CO XXXX.First foreclosure star on XX/XX/XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as declarant not a Home owner Association by XXXX XXXX. ( not exist since 2001 years XXXX XXXX XXXX XXXX ). Not HOA license. Court case XXXX forclosure sale XXXX XXXX on XX/XX/XXXX. Accelerated foreclosure dismiss action court case by XXXX XXXX and withdraw on XX/XX/XXXX I paid {$8900.00} aprox. for HOA no lic. exist. and Mortgage PHH Collection agency XXXX XXXX. my payments was not posted in my account while I was XXXX XXXX XXXX XXXX XXXXXXXX XXXX never are getting out of XXXX XXXX and CA years ago. XXXX foreclosure posted before XXXX moths of last XX/XX/XXXX While payment mortgage not placed in account I believe erroneous until now during whole XXXX. Placing XXXX case XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ever inform reacquire loan paid complete and accelerated foreclosure all in violation laws rule1, 11, 12 ( b ) 2 and others of XXXX Iget denied all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.

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 2024-02-05 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: CA

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 
Accounts in collections # XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Amount : {$440.00} # XXXX. XXXX XXXX XXXX. Original creditor : XXXX XXXX Amount : {$340.00} # XXXX XXXX  XXXX Amount : $ : {$1900.00} Accounts closed with balance # XXXX. XXXX XXXX XXXX. XXXX XXXX is Payoff. Amount : {$75.00} # XXXX, XXXX. Amount : {$310.00} # XXXX Information XXXX XXXXXXXX XXXX Amount : {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NY

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was scammed and sent a fraudulent check for a job I thought I was being hired for. I deposited the money into my checking account and {$400.00} was available initially on XX/XX/year>. The full amount was available on XX/XX/year>. Wells Fargo ok 'd the check and put the full amount of the check into my account on XX/XX/year>. I was told to XXXX the amount of the check to someone else for the job, thinking this was for a job I was getting hired for. I discovered that this was a fraud on XX/XX/year> and reported the incident the day after ( on XX/XX/year> ) to Wells Fargo at a branch close to my home. Wells Fargo did some checking on their side and told me that this was fully my fault, the check was blocked by the other bank, but Wells Fargo still put that full amount of the check into my account. I was working with the claims department back and forth, and also with a broker at the Wells Fargo bank close to my home. The claims department was not helpful at all, did not do enough research, and some of them were very rude, I ended up generating over XXXX complaints because no one ever reached out to me to let me know of the status of my case. Wells Fargo wants me to pay them back the entire amount of {$4600.00} of that fraudulent check. They also want me to go to XXXX to retrieve that amount of money from them. I can not get to speak to anyone at XXXX, instead, I have to type a complaint via their online form and hope to hear from someone. I have been a customer for over 20 years with them, never bounced a check, and my own bank can not even back me up. I reported this crime right away to the bank after I discovered it was a scam. Wells Fargo put an alert out that I can not open up a new account at any other bank until I pay them back this full amount of money. I am being labelled as a risk. This is absolute 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 2024-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a letter from Goldman Sachs Mortgage Company stating that the company had purchased my mortgage loan from XXXX XXXX XXXXXXXX. The letter also stated that I needed to continue to make my mortgage loan payments to XXXX XXXX XXXXXXXX. 

I tried to make my XX/XX/year> mortgage payment and could not do so. 
XXXX  XXXX XXXX told me they no longer owned or serviced my mortgage loan and that Goldman Sachs is now the responsible owner of my mortgage loan.

I tried to call Goldman Sachs Mortgage Company but was not able to speak with any representative. No one was available who would help me with my mortgage payment issue. 

I have not made my mortgage loan payment because I do not know where or whom to make my mortgage payment. 

Goldman Sachs letter has wrong written instructions that I would continue to make my mortgage payment to XXXX XXXX XXXXXXXX. These instructions are incorrect and confusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have four accounts that are unlawfully added to my credit report I've tried to contact XXXX XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of RICO

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 2024-02-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This totally negligent crooked fraudulent company has now notified me again for the XXXX time they have UPDATED MY MIDDLE NAME, WHAT XXXX FOR XXXX  YEARS I BEEN COMPLAINING ABOUT YOU STEALING XXXX  MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK and all you can fix is my middle name XXXX TIMES AND YOU WONDER WHY THE F.T.C. AND D.O.J. WANT COPIES OF THESE COMPLAINTS AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This creditor is reporting incorrect information on my consumer report including but not limited to incorrect address, incorrect reporting dates all being done without my consent

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
Southwest Credit Systems LP is attempting to collect an alleged debt. I have never been involved in a transaction with this entity, not to my knowledge. The alleged debt is not mine. The entire amount is disputed under the FDCPA. I never gave this entity permission to contact me through any medium. This entity is to CEASE all communications in regards to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am submitting a formal complaint against Experian for their failure to respond to a dispute letter that I mailed on XX/XX/year>, via USPS certified mail with tracking number XXXX. In my dispute, I requested a comprehensive investigation into numerous inaccurate items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a bankruptcy listing under XXXX. 

Additionally, I disputed incorrect addresses and a name listed on my credit report. To aid in the verification process, I included a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Regrettably, I received a response from Experian, dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This response indicates a failure on Experian 's part to acknowledge the legitimacy of my dispute. As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It seems that Experian has not fulfilled this obligation, constituting a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, USPS certified mail proof of delivery, and Experian 's response, serving as evidence of my attempt to address inaccuracies in my credit report and Experian 's failure to conduct a proper investigation.

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