vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my Early Warning consumer report, which I obtained from your service. The inaccurate information is causing significant harm to my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I am requesting that you immediately delete the following inaccurate information from my Early Warning consumer report : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IN

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX Complaint ID I filed a complaint about Navy Federal blocking and not allowing me to open an account based off false allegations. CFPB requested an address, I called and spoke with CFPB three weeks ago and they updated my complaint. I am still waiting on a final answer from Navy Federal and an update from CFPB in regards to why they felt it was necessary to block me from getting an account when I have evidence that I did not continue with the first application and that I was trying to get a Navy Federal Account via my brother. My brother now has a Navy Federal Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-11-15 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: VA

Complaint narrative:
I am writing to request a re-investigation of an account that I previously disputed, which still appears on my credit report therefore making my credit report inaccurate. This account does not belong to me and contains multiple inaccuracies. Account Details : Creditor Name : XXXX XXXX XXXX Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), the Fair Credit Reporting Act mandates that all information on my credit report must be 100 % accurate across all three credit bureaus. Since this account can not be verified as accurate, I am requesting that it be removed from my report immediately. Previously, I requested that TransUnion supply proof of the original contract, the chain of custody, and any other relevant documentation that verifies me as the owner of this account. To date, TransUnion has not supplied any of this information, further indicating that this account is not properly verified and should be deleted. I am providing this letter as a formal request for re-investigation and reiterate my request that, if the account information can not be confirmed as accurate, it should be promptly deleted. I have enclosed copies of my identification and additional documentation as needed. I also formally request that my dispute be resolved within 30 days, as required by law. Should the inaccuracies not be removed within this timeframe, I am prepared to pursue litigation to collect statutory damages of {$1000.00} for each inaccuracy on my credit report. Thank you for your attention to this matter. I look forward to receiving written confirmation of the actions taken to resolve this dispute.

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Home Mortgage is incompetent and alters fixed mortgage payment amounts without customer approval or signature. 

My Wells Fargo Home Loan was restructured in XX/XX/XXXX to remove the escrow account so that I would be responsible for paying my property taxes directly to XXXX XXXX XXXX. 

I have paid my property taxes every year since. 

I paid my XXXX taxes. 

On XX/XX/XXXX, Wells Fargo sent me an erroneous letter stating that {$2600.00} of my taxes had not been paid. 

XX/XX/XXXX, Wells Fargo set up an escrow account & paid {$200.00} to XXXX XXXX for XXXX taxes which XXXX XXXX listed me as having a zero balance and that all taxes had been paid. Wells Fargo did this without my approval, without my signature and without advance notice. 

XX/XX/XXXX, I spoke to XXXX in the escrow department and requested the escrow account be removed. 

XX/XX/XXXX, I'm scheduling my mortgage payment and discover that Wells Fargo added {$470.00} to my monthly mortgage payment of {$1000.00} ; a 47 % increase. Wells Fargo did this without my approval, without my signature and without advance notice. 

I spoke to XXXX in escrow on XX/XX/XXXX and she stated that Wells Fargo paid my XXXX taxes and the additional {$470.00} per month was to reimburse Wells Fargo for XXXX years of tax payments. Wells Fargo wants {$5700.00} per year for taxes. Whereas XXXX XXXX wants {$2700.00}. Wells Fargo did this without my approval, without my signature and without advance notice. 

XXXX XXXX has no record of receiving the supposed {$2500.00} from Wells Fargo. 

XX/XX/XXXX XXXX in Wells Fargo customer service/ escrow told me that XXXX XXXX contacted Wells Fargo about me. This is a misrepresentation because XXXX XXXX does not contact their citizens ' mortgage lenders ; XXXX XXXX states that it's illegal for them to do this. 

To summarize, Wells Fargo has done the following : 1. Interfered in my relationship with my local tax department 2. Created an escrow account without my approval or signature 3. Sent a payment to Forsyth County to pay a nonexistent {$200.00} balance 4. Failed to remove the escrow account when I requested this on XX/XX/XXXX XXXX. Added {$470.00} per month to my mortgage payment without my approval or signature 6. Sent a non existent {$2500.00} payment 7. Made false statement about XXXX XXXX contacting Wells Fargo about 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 monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: CA

Complaint narrative:
I have never been in debt besides student loans which I have fully paid. My father had the same exact name as me which I believe this issue arises from. He is deceased and he may have passed before he could pay this debt. I have requested information regarding this debt to prove it is not mine but the agents yell at me, call me a lair, call at all hours of the day and night, and curse. This debt is not mine and I have asked them to sue me so I can prove it in court. They seem to have a tactic of harassing anyone to get them to pay someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXXXXXX necklace from XXXX on XX/XX/year>. I made the payment using a buy now, pay later loan from Klarna. When I initially made the purchase I reported to Klarna because there was an issue with the item being in stock so I didnt want to resume payments. I got the issue handled with the store XXXX  they sent me the item so I resumed payments. I am now nearly done with the payments but the XXXXXXXX XXXX necklace tarnished and turned. I contacted icebox about the issue and they wanted me to send them back the item so they could inspect which I was unwilling to do because out of the several times I purchased it took forever for me to receive items and Ive already sent them a picture of the tarnished necklace. They refused to refund me or replace the item. Klarna is unable to close the payment plan because of the previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-14 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my credit report and discovered accounts that appear unauthorized and incorrect. Kindly remove and block these fraudulent accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove them.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
On XX/XX/year>, I received an alert on my phone about a collection being added to my consumer report by a company named XXXX XXXX XXXX for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and XXXX XXXX XXXX to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named NATIONAL RECOVERY AGENCY, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for XXXX  years on my consumer report during this time and yet they still have not removed the collection.

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 2024-11-15 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: Credit Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Credit Technologies reported a hard inquiry on all three credit bureaus without my consent. I have contacted Credit Technologies and was directed to contact the credit bureaus to dispute the inquiry. I sent a letter via certified mail to all three consumer credit bureaus asking to delete the inquiry more than 45 days ago without a successful outcome. I called all three credit bureaus after an unsuccessful deletion of the account and was directed to fill out and submit a CFPB report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IN

Complaint narrative:
I noticed several billing mistakes in my credit report, with late payments that don't match my payment pattern. Kindly correct these and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
XXXX & XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Company above sent me XXXX letter in XX/XX/year> regarding a judgement that the office entered in the XXXX XXXXXXXX XXXX XXXX Prior to this notification, I was never informed nor contacted for any payment arrangements and/or settlement of the account. This company proceeded in freezing my bank account funds on XX/XX/year>. I dont have access to anything. I am a single of XXXX toddlers under the age of XXXX and I need access to my bank account. This is beyond unlawful and its causing my children to suffer, because I dont have access to my funds to care for them. 

Furthermore, I have been attempting to contact this XXXX XXXX for over XXXX weeks, I have left messages and even writing emails and I dont get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-14 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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