vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX 1. XXXX- XXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/XXXX there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been about 3 months. nothing was verified or no investigation from since last reported dates XX/XX/XXXX & no phone number to verify me information from grow credit systems. Delete or remove grow 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 2024-05-16 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: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-16 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: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
In XXXX of XXXX, I filed 2 disputes with Comenity Bank. The first against XXXX, as I never received the product that I ordered, where the shipper left the product in some unknown location. The second was against a moving company, as they violated the terms of the contract, charged me over {$3000.00} more than the contract stated, and they didn't deliver all of my property. I was forced to spend almost another {$1000.00} to manually move the items myself. 

I tried to find out what I could do to address Comenity Bank 's failure to follow the law, but I wasn't able to find anything. I only found out about your agency today. My complaint with Comenity Bank is 1 ) They failed to send me a notice that they had received my disputes, and forced me send the disputes 4 times before stating that they would not do anything, which took a total of 7 months.

2 ) They failed to provide me with the exact reason that they denied the disputes.

3 ) They refused to provide me with any information about their investigation.

4 ) They stated that the department that investigates disputes can not be contacted, and that I have no option to contact them, directly, or indirectly.

5 ) While stating that they " found no fraud '', they canceled by card w/o my knowledge and issued a new card due to fraud, which caused havoc with my automatic payments, as they took over 2 weeks to send the new card and notify me that the old card had been canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 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: WI

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX  Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have observed Ally financial service reporting on my credit report, a loan that is not under my name and i am not associated with this. I believe this is identify theft or there is mix-up on their end. I have hired multiple credit repair agencies to dispute these issues and take it off my report for years. This is negatively impacting my abilities to get business and mortgage loans. I am reporting this as a form of escalation.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
In XX/XX/XXXX, I have received a letter from Stillman Law office stating that I owed a company XXXX XXXX XXXX XXXX {$25000.00}. I have never dealt nor had any business with this company. I had requested the proof and validity of the debt. My requests were ignored. In XX/XX/XXXX, I had received a summons that I am being sued while I am still waiting for documents showing the proof of the debt. I responded asking them to the court and to the attorneys office to provide me the following documents that I have been requested. 
A signed and their legal dated document/validity of the debt A detailed and itemized statement of the account showing all charges, payments made through my bank and anything with my signature. 
Promissory note of the loan with my signature and date A copy of any identification ( drivers license ) or any legit documentation with my signature or copy of anything with my signature. 
Loans agreement with my signature. 
I had received a package from them in which I go through every single page of their documents. There is nothing attached me to this debt except. 
They have failed to provide me with any documents. I had been in court 3 times already. on XX/XX/XXXX I went to court requesting the same documents, attorney had failed to provide me. Attorney said he will call me for further clarifications. He has not called me back. I had another court date on XX/XX/XXXX. I need help to solve this matter. I cant afford a lawyer. They need to provide me with any document with my signature or they have dismissed their case because I do not owe this office/company any money. 
I know I am entitled to request and receive proper verification and validation of the debt, the amount of the deb and a copy of the original contract for agreement. Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have my mortgage with Caliber Home Loan since XXXX. My loan got transferred to XXXX Mortgage in XX/XX/XXXX. In XX/XX/XXXX, my bank account was compromised, leading to fraudulent activity that resulted in my card and account being temporarily locked. Unaware of this, I attempted to submit the payment to Caliber home loan, not realizing the transaction had failed to process. Upon discovering the issue in XX/XX/XXXX, I promptly contacted Caliber to rectify the situation. 

However in XX/XX/XXXX, I found in my credit report showing the 30 day late payment from Caliber. This is confusing, since XXXX is reporting theyve been servicing my loan since XX/XX/XXXX and thats the same month Caliber is saying my payment were late. It seems like Caliber should not have had my mortgage that month, which makes me wonder if this was a mistake. 

my mortgage was transferred to XXXX in XX/XX/XXXX. I kindly ask for Caliber 's understanding and patience during this transition period. It is important to note that this incident was an anomaly, as I have maintained a consistent record of timely payments over the past five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
These are previous case numbers of complaints asking for modifications with XXXX XXXX XXXX ( you guys ) XXXX XXXX Date : XXXX Both complaints asking for modifications of mortgage and referring to earlier dates. We asked for one via phone in XXXX of XXXX and told we were not qualified. We also asked for one in XXXX & XXXX. We were turned down. We were told to refinance our mortgage. We were in bankruptcy because of this predatory loan, so we could not refinance it anywhere. 

We are asking for the money that everyone else received off the loan modification lawsuit. XXXX XXXX XXXX  Mortgage was required to send out letters to ALL of us customers that were harmed. We have been financially harmed by XXXX XXXX XXXX  Mortgage. 

XXXX XXXX Date : 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 2024-05-16 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: FL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal consumer. Also, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exsist.

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 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
There are fraudulent accounts in my report that are hurting my score so bad. kindly remove them as soon as possible. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-16 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: NE

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing once again to urgently address the ongoing issue regarding my account ending in XXXX. The deposited checks, which led to the suspension of corresponding funds, are at the center of this matter. Unfortunately, I no longer possess the physical checks, as they were deposited via mobile deposit and subsequently torn. 

Despite attempts by the check writer to reverse the transactions, their bank, XXXX  XXXX XXXX, has refused to accommodate these requests. This prolonged ordeal has left me in a precarious financial situation, as the suspended funds are urgently needed. 

Considering the complications arising from the unavailability of the physical checks and the check writer 's unsuccessful attempts to reverse the transactions, I implore Wells Fargo to expedite the resolution process. 

Furthermore, if there are any legal avenues available to facilitate the retrieval of these funds, I request that they be explored without delay. Time is of the essence, and a swift resolution is crucial to alleviate the financial strain caused by this situation. 

I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
There are fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 XXXX Data Breach RUINED my credit and still effects me today because of the items listed and Credit obtained through the Breach and bad actors.

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 2024-05-16 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: UT

Complaint narrative:
I have sent a letter to the credit reporting agencies. Equifax, XXXX, and XXXX. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/year> in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I've had my car repossessed by this company twice. I've called and tried to get a print out of how much I've paid into the loan and they won't provide that for me. I've had this loans XXXX years and the loan amount is still the same. I was never aware of the interest rate or that the loan should of been paid off within a month. Instead they have you pay a small amount monthly and I've been doing that for XXXX years. I've looked at my bank statements and I've paid a lot into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

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 2024-05-16 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: NE

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NE

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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