vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: WI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Loan purchased by Mr. Cooper XX/XX/XXXX. There was a change in insurance at the same time, resulting in escrow shortage. I remitted approx {$6600.00} extra, instructing it be applied to escrow with the old lender. Mr. Cooper received the account with shortage. I spoke with XXXX XXXX, and remitted another $ XXXX to bring shortage back up to par, but they did not post to escrow, they put in unapplied funds. Then they raised my payment to cover the shortage that the $ XXXX was intended to cover. Then I send in payment, and they put in unapplied as it was not the inflated payment they wanted, putting me further in the hole with them. Spoke with XXXX ( XXXX XXXX won't give last names ) XXXX, who indicated problem would be resolved the next week and he'd call back. No call. Called XXXX and re-explained the entire thing to XXXX. Again, she promised to call at XXXX mountain on XXXX. Didn't call. I called again XXXX and was told XXXX unavailable , so made appt for XXXX to call at XXXXXXXX XXXX. He did not. Called again after all the appointments lapsed, and told them I was submitting this complaint, as I can not spend my work hours fighting to get them to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: GA

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Dear XXXX, I am writing to formally dispute the inclusion of a collections account on my consumer report, which I believe to be illegal under the Uniform Commercial Code ( UCC ). I request that you immediately remove this account from my consumer report and cease any further reporting of this account to credit reporting agencies that was displayed with the date of XX/XX/2023. 

I have reviewed the UCC codes applicable to collections accounts and have identified several violations that render the reporting of this account illegal. Specifically, the following XXXX codes apply : 1. UCC 9-609 : Right to Take Possession ; Proceeds ; Supporting Obligations ; Obligations of Secured Party .

According to UCC 9-609, a secured party may take possession of collateral after default by the debtor. However, in the case of the collections account in question, I have not provided any collateral or engaged in any transaction that would allow the creditor to possess any assets as security. Therefore, the inclusion of this account on my consumer report is in direct violation of UCC 9-609.

2. UCC 9-610 : Disposition of Collateral After Default ; Effect of Disposition ; Liability for Deficiency and Right to Surplus.

UCC 9-610 outlines the procedures that must be followed by a secured party in disposing of collateral after default. I have not received any notice of the disposition of collateral as required by this section. Therefore, the reporting of this collections account without proper adherence to UCC 9-610 is a violation of my rights under the UCC.

3. UCC 1-103 : Supplementary General Principles of Law Applicable.

UCC 1-103 provides that the UCC must be liberally construed and applied to promote its underlying purposes and policies. In the case of the collections account being reported, the inclusion of this account on my consumer report does not serve the underlying purposes and policies of the UCC, as it is based on an alleged debt that is unsubstantiated and disputed by me. Therefore, the reporting of this account violates the principles set forth in UCC 1-103.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: CO

Complaint narrative:
Im am constantly charged fees for payments days after. I was short a dollar in my bank account and they charged me a {$120.00} dollar fee with no bill sent and not explanation then call me 28 days later saying they are collecting my debt. I cant pay my loan back if they keep charging these fees. They are non negotiable and Im and exhausted financially because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unable to access 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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
The credit hit has blocked me from getting approved for a mortgage and the payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My debit card was charged {$77.00} by XXXX XXXX on XX/XX/2023. I have not had a transaction with XXXXXXXX XXXX for well over a year. 

I never authorized this transaction and have zero awareness of who did. This was a fraudulent transaction. They also tried to charge my debit card that same amount 2 more times, but those charges were rejected as I did not have the balance to cover it.

I noticed this fraudulent charge immediately because I get notifications on my phone of charges & attempted charges. I reported this to Chime immediately - Within minutes of seeing the notification.

Then I disputed the transaction, but they denied my dispute. Then I appealed, but they continue to ignore me and insist I give them some documentation that it was not my charge. How is one supposed to prove a negative?

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The original creditor of this account is Bank of America, and the debt collector is XXXX XXXX XXXX. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by XXXX XXXX XXXX regarding a fraudulent Bank of America account. I contacted XXXX XXXX XXXX and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called XXXX XXXX  XXXX again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.

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 2023-11-17 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-11-17 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-11-17 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on 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 2023-11-17 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: NJ

Complaint narrative:
They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I've been a victim of identity theft. I spoke with someone over the phone XXXX. This individual was posing as a lender for small business. I happen to apply for a few business loans for my small business which was started XX/XX/XXXX. So I believed it was a possible lender as I've sent my application to several lenders. I was threatened by this person. If I didn't give up my username or password to my bank account. I would be in violation of the FDIC. My business and checking accounts were Positive the same day. I have screenshots on my phone. I keep track of all my tasks as a self-employed financial assistant this is absolute protocol. They managed to deposit Two fraudulent checks for some companies I've never worked for in the past or currently. I have filed a claim with the Wells Fargo on the behalf of these accounts. They've not yet requested any of the evidence that strongly support my claim. They have decided to bring both of my accounts for closure. I paid the overdraft fee in my business account to speed up the investigation. I decided to close my business account prior to Wells Fargo 's schedule to bring the business account as wells as my checking account to a closure on XX/XX/XXXX. This has put a restriction on me creating any new bank accounts. Business or checking, due to this madness. So far I have taken drastic measures to protect my identity by not answering phone calls. Changing my passwords.XXXX I reported this to XXXX as I was in need of a direction to resolve this issue.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On my XXXX XXXX Credit Card I submitted the minimum payment every month for the last 12 months. It is reporting that I was late 30 and 60 days in XXXX and XXXX. I want these late payments removed immediately from my report because they are inaccurate.

Company response to consumer: Closed with explanation