vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and Experian.

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I took home mortgage to purchase a house with the address : XXXX XXXX XXXX, XXXX, NC - XXXX. 


Better.com did not provide clear instructions about the EMI payments. Even after sending multiple emails to better.com, I could not able to get the details of where to pay my home mortgage EMI from better.com. That caused late payment and credit score drop. I have paid all the late and current EMI payments. Now I need a letter saying that the late payment was done due to miscommunication from better.com. I want to use this letter to dispute my credit drop and remove the late payment remark in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian, XXXX and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since COVID, I used the COVID forbearance because of financial demands and job loss. Wells Fargo set expectations that the missed payments would be deferred, and consistently told me they would be when I started payments. 

In XX/XX/XXXX, I started a loan modification process to see if the payments could be lowered. That was declined. 

Around XX/XX/XXXX we got a collection call from Wells Fargo saying we were in default and needed to pay $ XXXX in payments and fees. 

On XX/XX/XXXX, I worked with an agent to setup the deferral of payments and began monthly payments on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I was told that that I do not qualify for a deferral and I am in default by some agents and some agents said I was under review by underwriting, and still other associates said that I need to reapply for a loan modification to seek a deferral. 

On XX/XX/XXXX I received a letter that I need to pay $ XXXX to get out of default for my mortgage and if I did not pay that by XX/XX/XXXX, I would be in Foreclosure. 

My income has increased and I am prepared to make my monthly payment in line with the agreement made on XX/XX/XXXX. I believe that I have been misled and communications and decisions have come from flawed education and automatic system processes. 

After hours on the phone with Wells Fargo, they are stating that the letter saying I am in default and foreclosure will start XX/XX/XXXX was an error. They are reviewing my request for defferal, and will know a decision from the XXXX in 30-45 days from the XXXX. I do not trust they know what they are doing to ensure I do not enter foreclosure on the XXXX while awaiting their decision.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have done the best I can to pay this company every extra money I have and for me to find out more money is added to my balance is a problem for me on my credit report I have my real balance and when I asked whats my balance as of today it was 616 more then whats been reported this company needs to be investigated they are taking people money they always taking people to court and getting away with it

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 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I hired XXXX XXXX XXXX to track my ex-husband for XXXX weeks in XXXX of 2019. I was charged for services well beyond the agreed time frame. I was even charged for GPS tracking after the device was said to have been removed. The fees and charges applied to me are inflated and/or ficticious. The invoice statements reflect 'double dipping ' - charging me twice for the same services, charging me for mistakes on their end, charging me for services before the agreed time of service, and charging me for services that could not have occurred after the GPS device was said to have been removed. 

Please carefully review the invoices included below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX : XXXX Creditor Name : EQUIFAX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : EQUIFAX MORTGAGE SERVI Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
On XX/XX/XXXX I noticed some unauthorized inquires on my EQUIFAX consumer report. 

On XX/XX/XXXX I informed EQUIFAX of the unauthorized use ( 15 USC 1602p ) on my report, I required EQUIFAX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that EQUIFAX are willingly and knowingly reporting false information on my consumer report. 

I required EQUIFAX to delete these items from my consumer report immediately, they are harmful and detrimental to my personal living mode as well as to my family. 

To Date XX/XX/XXXX, EQUIFAX has yet to respond to the letter sent through the mail. 

I demand EQUIFAX to delete the unauthorized, unverifiable and unconfirmed inquires on my consumer report. Refusing to delete these unauthorized inquires without proof of authorized use will be a liability of willful noncompliance. pursuant to section 616 ( a ) ( 1 ) ( A ) ( B ) of the Fair Credit Reporting Act. I demand that EQUIFAX delete these inquiries from my consumer report or I shall seek for monetary relief due to the harm and stress due to this false information EQUIFAX is reporting on my consumer report. 

XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I require you to delete these unauthorized inquires and update my consumer report, and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX I refinanced some of my student loans that I had with Sallie Mae. I only refinanced the loans that had my Mother as my cosigner. We got the payoff emails, confirmation that loans were paid off. I found out in XXXX of XXXX that one of my other loans was paid off instead of the correct one. I called and was assured the error would be fixed and the agent promised me the loan was now paid off. The following month I was charged {$360.00} for the loan that was supposed to paid off. The " paid off '' loan had a balance of around {$800.00}. I tried communicating with a few different agents about the balance difference and each one told me I refinanced the wrong amount, my refinancing bank paid the wrong amount, etc. After many agents insisting it was my fault a manager assured me the remaining {$400.00} balance would be waived. Nothing was said about refunding me the {$360.00} that I should not have paid, etc. I still see the outstanding balance on my account and I can barely afford my current payments, so I can not afford to be in delinquent status as well. I have had an extremely negative experience with Sallie Mae since I first borrowed money for college in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, XXXX and TransUnion have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my XXXX attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, Equifax and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I received a letter from the " law offices of Messerli and Kramer '' on what looks like official letterhead. They inform me that my account with XXXX XXXX has been placed in their collections, I have a court file number, and a file number with their firm. If I choose to pay in installments, I can via their website. They also take checks written out to XXXX XXXX XXXX, but insist I mail it to their firm. 

Additionally, they say that " IF YOU DO NOT EXPECT TO RECEIVE YOUR TAX RETURN IN TIME TO PAY THIS DEBT, we are willing to work with you. '' I made the mistake of trying to find a legal firm in XXXX, MN and putting in the information they have from the letter they sent before realizing that it's probably a scam. After contacting XXXX  XXXX directly and speaking with their fraud expert, I have found out that there is no such account attached to any name I have ever used and that if I was in collections on a XXXX  XXXX account, they would have sent me mail directly. 

The weird part is that the legal firm does exist, it does an excellent job of looking and acting like a law firm. I'm pretty good about spotting scams, but this one is over the top in making it seem legit. 

Talk to the company named in the lawsuit. Their fraud department helps for free with no legal fees. It will save you a lot of nightmares.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : 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 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 - I purchased XXXX videos from a XXXX User and I paid for those videos via Cash App. The reddit user never provided the videos. 

On XX/XX/2021 - I requested a refund of the purchase directly from the user via Cash app and the user declined the refund. I On XX/XX/2021 - I reached out to Cash app support and they told me there was nothing they could do. 

Cash app seemingly exists solely to facilitate transfers of money as a part of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account.

Company Name : XXXX XXXX, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name : XXXX XXXX XXXX  ( original Creditor XXXXXXXX XXXX ), the account was last updated in the sum of {$540.00} on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX XXXX  with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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