vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-09 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: NY

Complaint narrative:
XX/XX/XXXX To Experian, I would like to inform you that these accounts have been completely and totally DELETED from both XXXX and XXXX : XXXX XXXX - XXXX ( Removed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I dont understand why you keep reporting them on my credit report, despite their REMOVAL last year from both XXXX and XXXX. I have also noticed a new inquiry from a XXXX XXXX XXXX that I did NOT initiate. I want to emphasize that this inquiry is a FRAUD, as I did not authorize anyone to run any hard inquiries on my files. 

As per Congress law, if any entity or person intentionally doesn't follow the rules about how to handle a consumer 's personal information, and it causes me harm, you can be held responsible for it. You might have to pay for the harm you've caused me for an amount of money I lost because of what you did wrong. 

I am so disappointed with the lack of attention given to my concerns over the past few months by your agency. Despite my efforts in sending multiple letters to update you on the inconsistencies in the derogatory entries on my credit files, it seems that my concerns have not been taken seriously. Your failure to thoroughly investigate my account and address these issues is disappointing, and it reflects a disregard for the guidelines outlined by the Fair Credit Reporting Act. 

I hereby demand that you take immediate action of removing and erasing these unauthorized, inaccurate and fraudulent accounts from my credit report. Attached is a copy of my Identity Theft report filed from the FTC to escalate this matter because Im already tired of explaining myself over and over to your agency. 

I look forward to having these above-mentioned accounts be removed from my credit report within this month. 

Respectfully, 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 2024-04-09 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: OH

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must taken assure the information. 

The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : Pay off disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please validate the following these accounts : XXXX XXXX with account number XXXX THIS CONTRACT IS CANCELED XXXX XXXX  with account number XXXX THIS CONTRACT IS CANCELED I respectfully ask for you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

-If, 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- 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

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 2024-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a CD account in XXXX with XXXX for {$1500.00}. XXXX was bought out by Wells Fargo and my account was transferred to them. I forgot about this CD until I found my old paperwork last year. I went to close the account and withdraw the initial investment plus interest, but they said that there were XXXX withdrawals made in XXXX and XX/XX/XXXX. I do not have anyone in my account and I have proof of my whereabouts during those days, but they can not provide when, where, or even a signature page of who made a withdrawal totalling in about $ XXXX. My current balance is less than my initial investment. And the account should have been on hold for many years because of inactivity. I have been calling and meeting with corporate and the branch XXXX, but no one can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
15 usc 1681 : Theyve called me several times threatening to sue and have me arrested.. I did not give consent to furnish or obtain any of my information. They told me they have my IP address and that they know I was the person who took out the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help 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 2024-04-09 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: CA

Complaint narrative:
I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a 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 2024-04-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went on Experian credit score to check my report and a address for Arizona came up under my name I havent ever lived in any other state other then XXXX for XXXX  years can this be removed because its not me. The address is 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 2024-04-09 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: NC

Complaint narrative:
This is a complaint that started with a former complaint. # XXXX. Experian stated they updated my information after I provided proof and the company admitted that I was not late. I tried to dispute again, because the report still has me late and Experian stated that under the fair reporting act, I was not allowed to dispute the same item twice. I told them that they never updated the information the first time and I was transferred to different areas, and no one helped. Now I am missing out on gainful employment and other things I would normally enjoy if they removed the information. According to the summary on their website - the negative information will remain until XX/XX/2025 which will have placed it 7 years on my credit report, and it should have never been on the report in the first place as it is not true.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: ID

Complaint narrative:
I applied for a home loan through OneTrust Home Loans on XX/XX/2024. After XXXX weeks had passed and hadn't heard anything from them in response to my application so I called the listed loan XXXX assigned to my application on my portal login. 
XXXX XXXX XXXX ID # XXXX Phone number : ( XXXX ) XXXX Email address : XXXX Website XXXX XXXX  I left XXXX voicemails, an email and sent a text ( to which they bounced back as this was just a land line ). After no response again, I then called the corporate office to get help and they simply forwarded me to him to leave a XXXX and said they would let him know. It wasn't until XX/XX/2024 that my phone call was returned on a Saturday where I was told that for some reason they were not notified that I had uploaded documents and he went over different loan options and reassured me I could definitely get a loan with them I just needed to submit XXXX more documents. I submitted those documents that same day after being told he would call me the next day and XXXX after that as I was shopping for a home. I have not heard from XXXX since XXXX XXXX our one and only conversation. Today, XX/XX/2024 I called XXXX and left a voicemail to please call me as well as called the listed corporate office phone number AND the " speak with a mortgage XXXX '' phone number to no avail. Couldn't even leave a message. Just a dead-end voice menu. Not only did they run my credit report they also have very personal and sensitive information. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX XXXX to potentially restructure my loan. I gave them my SSN and ID so they could run my credit as per usual when going to the dealership. After hours of negotiating I declined all their offers. About 2 weeks after the matter, I was notified on my chase app about a new credit line on my name ( XX/XX/XXXX ). I checked and it said it was opened on the day i went to the dealership, XX/XX/XXXX. I never conseted or was even asked about signing up for a credit card. I wouldve never signed up even if they asked. I tried calling the dealership multiple times, asked to speak to the XXXX and I keep being evaded. I never consented or ever authorized to have this XXXXXXXX XXXX credit card, which I havent even recieved or activated but has negatively impacted my credit score and now I have a new credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: WA

Complaint narrative:
I am disputing the inaccurate credit reporting by XXXX XXXX on my account # XXXX. On XX/XX/2024, I sent XXXX a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that XXXX remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. XXXX again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

XXXX ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, BBB, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I started receiving offers from attornies offering to assist me with a lawsuit against XXXX XXXX XXXX, XXXX on behalf of Midland Credit Management but had no knowledge I was being sued until I did a background check on myself and was later served almost a month later. XX/XX/XXXX I wrote the company requesting a Bill of Sale, debt validation and the purchase agreement but received no response. I wrote them again & attached a letter to the County Court requesting said information again. They sent information over stating I owed a debt & attached a Dunning Letter that I've never seen before. The account information stated I opened an account XX/XX/XXXX connected to address that's not mine with charges that are not mine either. I've been living in my current residence since XX/XX/XXXX and had no knowledge of any of these allegations. This account has been affecting my credit and finances negatively and needs to be removed IMMEDIATELY. I've tried disputing this account several times with no success and I do not appreciate lawsuit threats or intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
I have XXXX inquiries on my report that arent mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-09 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
Unauthorized Hard Inquiry 700CRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. : I am in receipt of your XX/XX/2024 letter responding to the complaint I submitted to the Consumer Financial Protection Bureau ( CFPB ). Thank you for your response and the additional information you have provided regarding the alleged {$430.00} debt owed to XXXX XXXX XXXX XXXX XXXX XXXX 

I appreciate that you have placed the referenced account into a restrictive status to prevent further collection activity while this matter is being reviewed and disputed. Please continue to refrain from any collection communications regarding this account. 

Regarding your statement that " It is TSI 's intent not to have any communication with you in reference to the above account '' - please be advised that under the FDCPA ( 15 U.S.C. 1692c ( c ) ), you are still obligated under the FDCPA to respond to this dispute and provide the requested information. Stating you will not communicate further does not absolve you of your legal duties as a debt collector under federal law when a debt is being disputed. 

Upon review of the validation information you provided, I still do not believe this alleged debt is valid or owed by me for the following reasons : - I have no record of ever having an account with XXXX XXXX XXXX XXXX XXXX  - I did not reside at the service address listed during the relevant time period Under the Fair Debt Collection Practices Act ( FDCPA ), I am disputing the validity of this alleged debt. As such, please : XXXX. Make note of this dispute in your records. 
XXXX. Cease all further collection activity on this account, including credit reporting. 
XXXX. Provide me with additional documentation substantiating your claim that I owe this specific debt, including original signed contracts and a complete payment history. 
XXXX. Confirm in writing when you have completed these actions. 

I reserve all my rights under the FDCPA and other applicable state and federal laws. Please direct any future correspondence related to this matter to me in writing at the address you have on file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
I recently checked my credit report and saw multiple accounts reporting that I do not recognize.

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