vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I was trying to sell my home at XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> at full asking price and having trouble at selling and wasn't able to sell. I'm trying to do a short sale as of XX/XX/year> on my home to avoid foreclosure but mortgage company is denying the short sale. Loan number is XXXX XXXX XXXX Homeloan Serv. I have submitted all required short sale documents including offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-08-17 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I never applied to any such credit for any such product from any company at any given time. I never gave written authorization to any company at any time. Remove fraudulent Inquiries within XXXX hours, Please provide original documentation with bearing signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Fraudulent charges were made on my Wells Fargo credit card from XX/XX/XXXX through XX/XX/XXXX. Wells Fargo had stopped sending me statements in XXXX of XXXX. As a result, I had no visibility of the fraudulent charges. I discovered the fraud when Wells Fargo reported me to the credit bureaus. I immediately contacted Wells Fargo and reported the fraudulent charges. This was in XXXX of XXXX. Wells Fargo responded in writing that the fraudulent charges would be removed from my account. Wells Fargo has not yet removed the fraudulent charges from my account. Despite many attempts at resolution, Wells Fargo remains in violation of the Fair Credit Billing Act.

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 2024-08-17 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
15 U.S. code {$1600.00} c-2 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 not later than 4 business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.

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 2024-08-17 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: HI

Complaint narrative:
XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: HI

Complaint narrative:
XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
FNBO refuses to accept a dispute by claiming that they can't verify my identity. It didn't prevent them opening a credit card for me with the {$20000.00} credit limit, and make charges approaching this amount. But for a dispute of the {$69.00} bogus membership fee, that can't establish that I am who I am.

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 2024-08-17 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, 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 non-monetary relief
Consumer complaint received 2024-08-17 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-17 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-17 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX  XXXX 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 in 60 days to be removed. 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. XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports 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 2024-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX : over the phone communication and email demanding validation of debt by email or mail. Requested a lease agreement or contract with a signature. 

XX/XX/year> : I received an email from [ XXXX XXXX XXXX ] with attachment. The third party creditor sent me a move out bill that could be made anywhere. Insufficient document XX/XX/year> : I filed a dispute through XXXX and XXXX documents attached requesting that the account is removed. 

XX/XX/year> : The account came back verified with no original contract or proof of debt. 15 U.S. Code 1692g - Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX  XXXX 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 in 60 days to be removed. 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. XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app is deliberately playing games with me. I have XXXX different individuals emailing me stating they need more documents. The documents cash app have requested I have enclosed several times. I have submitted Proof of tracking number that merchant received their product back for refund I have enclosed several emails from merchant indicating refund was processed Ive enclosed the cash app transaction I have enclosed the cash app card used for transaction so what more does cash app need what I had for dinner before placing my order. This is ridiculous its apparent cash app should see the transaction of {$89.00} being deducted on XX/XX/XXXX or XX/XX/XXXX so if merchant is saying a refund was processed than there should be another transaction via original form of payment a refund going back to cash app because a successful refund transaction requires XXXX transactions I will never ever use cash app I will file a lawsuit for punitive damage stress this has caused me I even enclosed an email from merchant saying theres a {$15.00} dollar penalty for returning their item which would hv made the refund {$74.00} cash app continues to say order was fulfill how when the item was returned and no refund has been submitted after 30 days I hate cash app publish this please the company name is A few vibe I ordered a pair of men shorts brand fear of XXXX essential XXXX  XXXX size XXXX  this is all the frivolous documents requested and I have submitted them XXXX times company even offered a 15 % off my next order which I declined that email was also enclosed what more can these XXXX XXXX need

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, equifax and XXXX I would like for my late payments that you put on my credit report to be reversed to on time payments. As soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
I am very upset to discover unauthorized inquiries on my credit report this evening. Ive reviewed my report and attempted to resolve it by refreshing my browser, but the issues remain unresolved. I am deeply frustrated and need a swift and thorough review of my documents to ensure this problem is resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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 retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great stress because I cant obtain a home for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature showing we had a contract as well as the agreement between XXXX and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXXXXXX XXXX XXXX in the amount of {$160.00}. I also reached out to XXXX to confirm and they have no records. I have a lawyer on hand to file suit if this account is not canceled. Also their information has not been reviewed by a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
The only way to dispute a charge with FNBO is by phone. FNBO refuses to allow any other form of submitting a dispute, yet it puts you on hold and you can never get to a live person.

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