vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, undermining public confidence and impairing the efficiency of the banking system. 

I am particularly concerned about the missing rental payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness.

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, underminin
g public confidence and impairing the efficiency of the banking system.

I am particularly concerned about the missing rental
payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness. 

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payment : XXXX XXXX Inquiry XXXX XXXX XXXXXX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim of a bank imposter scam on XX/XX/year> and {$750.00} was stolen out of my checking account using my debit card number. This fraudulent transaction shows it originated from XXXX XXXX. I filed a claim with Wells Fargo that same day ( XX/XX/year> ) and they issued a new bank card. After a 10 day review of my claim they have denied my claim which clearly shows this was fraudulent activity. This activity has caused a negative balance along with XXXX overdraft fees Wells Fargo added as a result.

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 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I called XXXX XXXX and was told I cant get my payments lowered because my account is less than XXXX payments less so I cant refinance for a more affordable monthly payment. I then tried to get an extension and was told by an agent as long as I make a XXXX time {$740.00} payment to get my account out of XXXX days past due, then I am eligible for an extension. In the extension I was told I wouldnt have to make a payment until XX/XX/year>. The company did not honor this agreement and after many escalations they are now claiming my next payment will be due XXXX XXXX. This is a violation of the original agreement. The company refuses to replay the original call from XXXX XXXX. And everytime I ask for a call study or the issue to be escalated, no agent can find any information on the matter and then the issue gets escalated AGAIN, and AGAIN I am being told to call back in two business day, and then the cycle repeats itself again. I have been calling all month to get the issue resolved but have been getting the run around. They are trying to have me wait it out until so I either comply or forget about it. If they listen to the call from XXXX XXXX where the agent first offered the extension terms everything would be cleared up. Ally is practicing in predatory lending. 
Any time I call for an update on my escalation/ case they put in a new request since the initiation escalation shows NO SIGNS of being actively investigated. When I ask for an answer instead of listening to the lies from each individual agent, they cut me off get annoyed and hang up and STILL REFUSE the call study of the original call dated XXXX XXXX which explains the entire situation and misinformation that has caused this issue. Now I have another payment due in a week ( XX/XX/year> ) which is not the agreed upon date. Nothing was read to me to confirm the extension terms and next date of payment or the amount. They just changed my account without my consent which is falsifying documents and making changes to my loan without my agreement. 
They can honor the dates we originally discussed, do a call study to support the claims I have made against this company, and stop allowing its overseas agents to hang up on their customers. I have recorded EVERY CALL since XXXX XXXX. Either this call be resolved civilly or I will have to take legal action and pursue a class action lawsuit which during my investigation via petitions and social media I have found that I actually have XXXX of thousands of people in the same predicament as me with Ally. I have a large presence on social media, and I have XXXX trial lawyers whom I have been speaking with in regards to this matter who feel I have a strong case against ally given their recent class action lawsuit filing for a massive data breach and cyber security failings. They constantly fail their consumers with no notice or apology. I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hello, My Flood insurance administrator sent notice of my renewed policy to my mortgage holder- Mr. Cooper XXXX XX/XX/year>. 

I received the attached letter from Mr. Cooper/NationStar mortgage LLC advising they have not received notice of my coverage and that they not only purchased as second flood insurance policy for me, but that they have also already removed money from escrow for this secondary unnecessary flood insurance policy which has now caused an increase in my payments by {$250.00} per month, with XXXX being the first month reflecting the incorrect increase. 

I called Mr. Cooper on XX/XX/XXXX to get this rectified so that I may pay the correct payment amount, on time and that I may also receive a refund in the escrow that was stolen from my account. I was told this would be reviewed and there would be an update within 7 days. 

As of today XXXX, there has been no change in the amount due as shown on their website, additionally calling has been pointless, because I am now routed to an endless IVR loop and can not speak to anyone. 

Mr. cooper has over XXXX negative complaints about their fraudulent practices on the XXXX XXXX XXXX website, and really needs to be fined for their unethical practices. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: IN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-01 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX  Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payment XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge Off : 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 2024-11-01 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:
I have sent multiple disputes and this has been investigated. I most certainly did NOT open this XXXX account. This must have been opened by somebody else under my name. This is literally the only thing reporting negatively on my credit report. Please assist in deleting this erroneous account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: AZ

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 credit score 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 explanation
Consumer complaint received 2024-11-01 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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have attempted several times by mail, email and phone to get collection agency to validate the debt they are saying that I owe. They have failed to provide requested information, prove that the debt is mine, they have the right to collect a debt or remove the collection from my credit reports. I have sent in proof as well that the debt could not possibly belong to me and received no response or removal. 

I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INC/XXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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 response to consumer: Closed with non-monetary relief