vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I hope this letter finds you well. My information was exposed in XXXX data breach. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries and accounts that I did not authorize nor recognize. These inquiries and accounts are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 

As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 

I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities.

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation.

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 

Thank you for your prompt assistance in resolving this matter.

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 2024-12-01 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: FL

Complaint narrative:
I hope this letter finds you well. My information was exposed in XXXX data breach. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries and accounts that I did not authorize nor recognize. These inquiries and accounts are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 

As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 

I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation.

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 

Thank you for your prompt assistance in resolving this matter.

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 2024-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Loan # XXXX Numerous complaints have been made to this company via the XXXX XXXX department. I am filing this complaint to express the poor quality of services received during a rebranding period. In particular, at the end of XXXX the submission of a biweekly payment request was submitted. I called on XX/XX/XXXX to initiate one of two XXXX payments. I inquired during this month would the pending correspondence request be processed. I was advised no, the request would begin in XXXX. While visiting my financial institution a payment on XX/XX/XXXX, a representative advised my account was overdrawn. A payment of {$270.00} was drafted from Shellpoint mortgage. I immediately contacted Shellpoint and advised an unauthorized payment was drafted from my account. I explain the matter above and was assured the pending correspondence request would not be honored until XXXX. Secondly, a payment was made the week prior and this scheduled did not constitute a bi-weekly payment. I immediately contacted a representative who advised the submission qualified and would not be refunded because it satisfied my XXXX payment. Despite my desperate requests to speak with a supervisor and/or a customer advocacy representative, the request was denied. I was forced to contact my financial institution and filed a fraud claim for the drafted unauthorized payment. This company has exhibited disgraceful and deceitful practices to their customers. Most recently, I have been assessed late fees as a result of the above unauthorized draft from my bank account. I contacted a representative on XX/XX/XXXX to make a secondary bi-weekly payment to the corresponding loan. She advised a full payment must be submitted before the XXXX of the month are the loan is considered late. Since XX/XX/XXXX, I have tried to work with this company to arrange suitable XXXX  payments but for months I have endured excuses, fabricated information and an unwillingness to provide assistance. Additionally, the representative provided a complaint number of XXXX. Whether or not someone will provide assistance or address this complaint is uncertain.

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 2024-12-01 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 XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Complaint Against Equifax for Reporting Inaccurate and Outdated Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for their failure to accurately report information on my credit report and for not addressing my dispute in a timely manner, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

For over three years, Equifax has been reporting inaccurate information on my credit report, which has not only negatively impacted my credit score but has also limited my financial opportunities. Under 1681i, I have the right to dispute any inaccurate information, and the agency is required to conduct a reasonable reinvestigation free of charge within 30 days of receiving my dispute.

I have previously notified Equifax of this disputed information and provided supporting documentation to substantiate my claim ; however, they have failed to rectify the inaccuracies or provide a satisfactory response. Additionally, I have faxed all relevant supporting documents to the Attorney General 's office in XXXX, GA, for review. 

This ongoing issue has violated my rights to privacy and has caused significant distress. I request your assistance in investigating this matter further and holding Equifax accountable for their non-compliance with federal regulations. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The exhaustion is huge of human traffick by city state county federal gov stealing homes & all property to balance ledgers of stolen bankrupt gov budgets with XXXX XXXX XXXX XXXX. STEALING HOMES SELLING HIGH OWNER EQUITY MORTGAGES ON XXXX AS XXXXXXXX XXXX XXXX XXXX XXXX XXXX to get homeowners XXXX XXXX attacked by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All to overtake XXXX XXXX XXXX or run off the legal owners. City of XXXX XXXX of XXXX XXXX  XXXX  & held me illegally over 30 days to dishonestly claim I abandoned my property to the state XXXX XXXX etc. ( BOW ) PRESOLD ME, MY HOME, MORTGAGE ALL OF IT PRIOR TO ILLEGAL FORECLOSURE. XX/XX/year> I wanted a victims statement on TransUnion of this ongoing terror on my life & finance. It is posted & update mailed to me of changes by TransUnion. Now my true physical last prior HOMEOWNER address XXXX XXXX XXXX XXXX XXXX CA XXXX immediately prior to my current XXXX CA address is missing on my TransUnion credit report. Obviously I need my 12 year home ownership address on the main credit company used. Thank you.

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 2024-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto is sending emails and text messages threatening to repossess my XXXX XXXX XXXX and still reports this balance as still owed to the credit bureau, after they have reported it as a charge off on my credit report on XX/XX/XXXX and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I heard about Wells Fargo offering a sign on bonus of XXXXXXXX XXXX for new accounts from a friend. I recent moved and XXXX of their branches was near me so I decided to change banks and take advantage of the incentive. I had a check come in from my truck warranty company for {$460.00} that I used to open the account. I went online on XX/XX/XXXX and followed the procedure using all the prompts and did successfully open a new checking account with them, however I was directed to the local branch to make my opening deposit. When I went in to make that deposit on XX/XX/XXXX I made the deposit into the account number that I received online. My bank reflects that. I receive social security checks monthly for {$940.00} via direct deposit. I moved my monthly payments over to my new Wells Fargo checking account. The first direct deposit hit my Wells Fargo every day checking account on XX/XX/XXXX for {$940.00} and has been on going to this day. Totaling XXXX months straight. I am very happy overall with Wells Fargo, however when I contacted them in regards to the XXXXXXXX XXXX incentive bonus, I was told that I needed a code in order to receive it. I was never given a code, or if I was given a code I didn't receive it. I explained how I opened the account online, but had to make my initial deposit in person. I explained that I didn't receive a code online or an email, and they didn't give me one at the branch. If an email was sent with one it is possible that it went into spam or got auto deleted, but the fact remains that I opened the account and met all the requirements. The requirements being, being a new customer opening a Wells Fargo everyday checking account, having at least {$1000.00} in direct deposit into the account within 90 days, and the account remaining open for 90 days. My account is still open to this day. I would like the XXXX XXXX that I was guaranteed for choosing them as my new bank. My first contact with them on this matter was in XXXX. It went on for months, and even went to the escalation department, or so I was told. In the end I was told without having whatever code or number I was supposed to be given, that I didn't have, I was out of luck and closed my request. I like this bank, but should close my account just out of principle. All I want is the XXXX XXXX sign on bonus that I was promised. I held up my end of the deal.

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 2024-12-01 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:
I am submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX  XXXX XXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2024-12-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing about the paperwork I received from LVNV FUNDING seeking a DISCHARGE from the alleged debt, which the debt collector states I owe to them. I have no agreement with LVNV FUNDING LLC. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature 2. Insurance claim of the debt & BILL OF SALE XXXX. The XXXX with the original creditor and does XXXX XXXX XXXX XXXX 
XXXX. Do you have license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G.

5. Why is this on my Credit Report, - - I am unaware of who this company is or who they are representing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
am writing to file a formal complaint against [ Credit Bureau Name ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

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 15 U.S. Code 1666b - XXXX XXXX XXXX XXXX XXXX XXXX 2 : AARGON AGENCY INC-,XXXXXXXX, not my debt I have requested detailed explanations and evidence of the verification process from the credit bureau XXXX but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter.

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 2024-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SOFI LOCAL CORP
State: CA

Complaint narrative:
I was refinancing with SOFI XXXX CORP and was mislead about the cash amount that I would receive. I was told that I would receive $ XXXX cash back, which was the deciding factor, yet only received $ XXXX. I've talked with the company, who has acknowledged the error, to find a resolution but have been informed that it was a mistake and a resolution isn't necessary. I do not appreciate being deceived so I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
This information has been put on my credit report bringing my score down

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 2024-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
In XXXX of XXXX I applied for mortgage assistance due to being laid off from my employer, Fairway in XX/XX/XXXX and again XX/XX/XXXX. I was granted a forbearance, XX/XX/XXXX suspending my mortgage payments. In XX/XX/XXXX I secured employment and contacted my mortgage company immediately to discuss my options going forward, which a loan modification appeared to be the best solution. After numerous conversations with Fairway Loss Mitigation department, begging to stop the forbearance as I was now employed, I continually have gotten the runaround. 

Finally in XXXX XXXX, I was notified ( XXXX months later ) that I was approved for a modification and would begin my trial period XX/XX/XXXX for 3 months which I have completed. I continually ask what the next steps are and can never get a straight answer. I have been harassed throughout this process with numerous phone calls and emails for months with no resolution, no update just comments they are required to contact me. 

I feel that I am being discriminated against for being a single, white, older female and harassed for being a former Fairway employee. I have requested a complete breakdown for my current unpaid mortgage balance and current monthly mortgage payment and to date have received nothing At this point I am looking for a resolution and what to know where I stand to stop the harassment.

I have additional details, phone logs, emails to support the above should they be required.

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 2024-12-01 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Request for 1099-C for Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute an account with GS Bank USA XXXX XXXX XXXX XXXX XXXXXXXX ). To date, I have not received the IRS Form XXXX for this account, which is a critical document for my financial records and tax obligations. 

Under IRS regulations, creditors are required to issue a 1099-C when they cancel a debt of {$600.00} or more. Failure to provide this form may result in an inaccurate reflection of my tax liability and violate consumer protection laws. I have attempted to resolve this matter directly with GS Bank USA but have not received any resolution.

I kindly request your assistance in obtaining the required 1099-C from GS Bank USA . If this issue is not addressed, it may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which could entitle me to pursue legal remedies. 

Please let me know the next steps in ensuring compliance with federal regulations and my consumer rights. I appreciate your time and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX has been a victim a of identity theft and this needs to be deleted/ blocked immediately. I have enclosed proof of identity, a letter requesting this be blocked/ deleted, FTC Report Number : XXXX and a copy of fcra 605B you are required to delete/ block this from my report within 4 days of recieving this

Company response to consumer: Closed with explanation