vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 non-monetary relief
Consumer complaint received 2024-02-06 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: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. Transunion, XXXX, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS 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 explanation
Consumer complaint received 2024-02-06 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: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, Equifax, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, XXXX, and Experian have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS 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 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: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.

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 2024-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Well in my credit report it was telling me that I had to open account so I go to the bank and the bank teller tells me it's because I was left as a beneficiary so I got the certificate after I went back she said she couldn't find the account no more cuz they have a new system and they were just giving me a bunch of problems because the account was from XXXX  and the person who left me is for beneficiary she's not related to me but I knew her since a kid so I don't know who to ask information from

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: WA

Complaint narrative:
We currently have an escrow account with US Bank. In XXXX XXXX XXXX we received notice from XXXX XXXX XXXX that our account was in default. Our property taxes had not been paid for the entire year with a balance of {$3400.00} and deliquent fees of {$650.00}. 

What we learned was that their was one parcel number change and that US Bank computer disregarded it. The county sends all banks property owners names and parcel numbers that need taxes paid. Our names were on file with one parcel number that was different. we believe this should have been flagged. But we were unaware till notification in XXXX. After contacting the mortgage department, they assured us that the taxes would be paid and they would pay the deliquent fee. 

We have received notice that US Bank is charging us for the deliquent fees plus adding on an escrow advance amount of {$1100.00}. All we are asking is that the bank refund the deliquent fee and the advance escrow fee and we will bring our escrow account up to date. But prior to this we had sent a letter in regards to closing our escrow account, because of what happened. US bank responded with a fee of over {$600.00} to close this account. Mentioning it had something to do with RESPA. I reminded them that we did not do a mortgage loan with them. They had bought our loan fromXXXX XXXX XXXX XXXX XXXX XXXX ). We set up the account just like we did before. There was nothing mentioned in fees if we chose to close the escrow at a later date in any of the Bank or Title disclosure paperwork.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you 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 valued.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.

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 2024-02-06 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: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.

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: TX

Complaint narrative:
Please see the attached EQUIFAX data breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2024, the amount of {$1700.00} is indicated as paid to XXXX XXXX. Several calls were made before this date concerning it being a fraud by deception company with agents assigned working under the guise of a fake XXXX XXXX XXXX XXXX that disrupt home computers. Furthermore, it shows a dispute ID number as XXXX. At no point in time did I authorize this payment. The check # XXXX, is as fraudulent as the deceptive agency that submitted it for the payment. All my efforts to dispute and check on information about/over my dispute with this payment were met with no corrective actions being shown or acted upon. The most that I received was an email generated " response to request for documentation dated XX/XX/2024. It shows that on XXXX XXXX the amount was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2024 I contacted Ashmer 's Collection Services, inc to remove my acount due to invalidity and that I do not owed from XXXX due to tmobile selling debt and closing account. The initial amounts owed is {$560.00} with the settlement amount being {$160.00} which however I would pay but notice that by law I don't have to pay an account that was discharged or charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
On XX/XX/year>, I engaged with Specialized Loan Services to prevent foreclosure on my home. Despite clearly outlining my need for specific documentation to access my XXXX for payment, the company failed to provide the correct documentation in a timely manner, leading to unnecessary delays. 

Upon finally receiving the correct document on XX/XX/year>, I promptly arranged for payment, only to have Specialized Loan Services refuse it on XX/XX/year>, claiming additional funds were required and it could take a minimum 5 days max 10 days due to it being a new month. This refusal, coupled with their inability to provide written justification, significantly hindered my ability to prevent foreclosure. 

Potential Violations : Real Estate Settlement Procedures Act ( RESPA ) Section 6 mandates timely communication regarding mortgage servicing and error resolution processes, which may have been violated given the failure to provide accurate documentation and clear communication. 

Truth in Lending Act ( TILA ) This involves disclosures about loan terms and conditions. The refusal to accept payment without clear, written explanation could impinge upon the acts requirements for transparent communication of changes to loan terms. 

Fair Debt Collection Practices Act ( FDCPA ) While primarily concerning third-party debt collectors, any misleading or deceptive practices by the mortgage servicer might be relevant, especially in communication regarding debt resolution.

Requested Resolution I request the CFPB to ensure Specialized Loan Services acknowledges its oversight, accepts the payment to bring my mortgage current, and provides a comprehensive written explanation for their previous refusal. Additionally, I seek assurance of adherence to established consumer protection laws to prevent future occurrences.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I logged into my account today and saw pending transactions that I did not make from XXXX. The balance on my account is also incorrect once all of the pending transactions are added, and the name on my personal accounts continues to revert back to " XXXX XXXX '' even though I presented the court order for my name change and my driver 's license to a branch representative at two different locations on at least two occasions. I also received a text message from the bank regarding an attempted charge of {$99.00} from XXXX, which I did not make or attempt to make. I recently notified the FBI about prior identity theft issues, but the problems have continued. Please assist with resolving the issues.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
There is a {$6500.00} bill that is seventeen years old attached to my title. I'm trying to refinance with another company and Wells Fargo will not release my title because of it. I don't remember this bill and they can't find the origination of it ; but is holding up my refinancing. The agent that is assigned to ( from my CFPB complaint ) is unreachable. 
could this be one of those fraudulent charges that Wells was accused of? 
I requested a payment history XXXX XXXX on XX/XX/XXXX. They had to do a work order on it. They say it was completed on XX/XX/XXXX and I still have not received it. 
Can someone please assist with this?

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizen 's RBS are not properly applying payments. I can see this through their own records in our foreclosure action and bank statements I have. 


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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: EQUIFAX, INC.
State: CA

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 non-monetary relief