vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I was applying for mortgage loan, on wells Fargo bank, with XXXX XXXX XXXX, cell. XXXX, after sent all documents that he need, I got approved loan, but, at the end they sent me another requirements : 1.- We need a letter from your employer verifying that you are able to work full-time in XXXX XXXX, FL XXXX And it will not affect your current position and income. The letter must come from your employer XXXX Please send the last pay stub you received from XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I couldn't load these documents, because I dont have that documents because I am a traveler worker and I work around east coast of United States, and these last years I was working from XXXX to XXXX. 
on XX/XX/XXXX, they called me to ask about these requirements, and I answered I don't have that documents, and he said, that he will ask underwriter, on XXXX  XXXX I got email from XXXX, where said " as you requested, we've cancelled your loan application listed above. this loan is no longer active in our system. 
I called XXXX, telling I did not give up the loan, I never sent any document cancelling the loan, I need a denied letter to get my many back ( {$11000.00} ), but he do not want to fix that.

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 2024-10-29 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I called Honda Financial Services on XX/XX/2024 in regards to car that was repossessed, upon requesting to speak to a supervisor, the agent on the line refuse for the allowance of speaking to a supervisor. Perhaps speaking to a person in management could have helped me resolve the matter, but I was denied that privilege. I need someone to get back to back as soon as possible please. I have making payments on this car for 2 and a half years and have just hi hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: OH

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 2024-10-29 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: NY

Complaint narrative:
This afternoon, I was stunned to see inaccurate accounts on my credit report, which I have no idea how they got there. I reviewed my report as usual, but this time, there were errors that made no sense. I tried refreshing the browser, hoping it was just a temporary glitch, but the accounts remained. Im asking for a thorough check of my documents to ensure I can finally have peace of mind about 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 non-monetary relief
Consumer complaint received 2024-10-29 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: WI

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccurate personal information reported in my credit file, which remains uncorrected despite a prior dispute request. The credit report continues to display incorrect details, including variations in my name and address, as well as errors in other identifying information. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires maximum accuracy in consumer reporting, and 15 U.S.C. 1681i, mandating timely reinvestigation of disputed information. I am requesting that these inaccuracies be corrected promptly, with written confirmation once updates are completed.

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 2024-10-29 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-10-29 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I saw a that IQ DATA IINTERNATIONAL reported that I owe {$2000.00} on my credit report. I do not owe any money and I have disputed this and it is still on it. I am unaware of this transaction. I have not gotten any calls about this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: OH

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been working with a mortgage company in XXXX, NC, since XX/XX/year>. At that time they did a " soft pull '' of our credit. Since we haven't purchased a house yet, they require a " soft pull '' of our credit every 120 days from the XXXX credit reporting companies. XXXX and XXXX websites are extremely easy to log into and set up a temporary lift of our credit freezes. TransUnion is a nightmare. We can never get to the site where a freeze can be lifted. The message on their website is, " Sorry, we're having trouble showing the status of your credit freeze right now. '' When I call their XXXX service number I have to provide my full social security number and other information which I don't feel comfortable disclosing to an automated system. TransUnion doesn't provide a Live Chat service anymore. Finally, I was able to speak to a live person, but now we have to go through the whole call system again for my husband 's temporary freeze lift. XXXX and XXXX provide websites that work. Why can't TransUnion?

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX / XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Reporting of XXXX  Financing Statement Follow-up to CFPB Complaint Dear Equifax Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the XXXX  Financing Statement I submitted is not currently reporting on my Equifax credit file.

To clarify, this XXXX  Financing Statement is a public record filed with the XXXX  XXXX XXXX XXXX under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial XXXX Financing Statement filed on XX/XX/XXXX. 


XXXX. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


XXXX. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record. 

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that Equifax will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX  Financing Statement ( Initial Filing and Amendments ) -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Starting XX/XX/XXXX XXXX started charging me XXXX XXXXXXXXmonth despite the fact that original bill that was promised to me at the time of opening the contract was {$170.00}. On XXXX XX/XX/XXXX I went to the store location listed above. The representative named XXXX called a customer service in front of me, applied a discount and said it going to be fixed and starting next month it should be lowered to {$150.00} till the end of the contract. They charged me this amount only once on XX/XX/XXXX and then it went back to {$280.00}. I filed a complaint with the Federal Communications Commission on XX/XX/XXXX and shortly after I received a call from XXXX representative saying that XXXX is not responsible for the misleading information provided by the store employee and they're going to continue charging the same amount that I'm disputing. I have cancelled my service with XXXX XXXX and switched to another provider. Today on XX/XX/XXXX I received a phone call from someone claiming to be XXXX, saying that I owe {$2300.00} and they want to settle it down to {$1800.00}. After I made a payment I saw on the receipt that this was a Amsher Collection service and wasn't notified of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
An account was opened on XX/XX/year> in my name with : COMENITYCAPITALXXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX I had no knowledge of this account being created until I started receiving collection calls. I spoke with their representative on XXXX XXXX and explained that I did not apply for credit through them. Apparently, someone in XXXX, Florida opened this account and made several charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of human trafficking and was notified about the opportunity to mitigate the effects of this harrowing experience on my financial situation today. I submitted a request to Equifax as the XXXX XXXX XXXX on XXXX, along with the requested supporting documnetation. A few hours later I received a request for information that said I needed to submit all documents within 4 days. A few hours after this, I received notification that the investigation was complete and that I was being denied protection. All documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-29 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: NV

Complaint narrative:
Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX  XXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NV

Complaint narrative:
Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation