vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recently realized my mortgage payment was raised XXXX dollars per month for my home mortgage. Wells Fargo has given me a lot of conflicting information and mistrusts about this. One the phone, they have claimed that I have a negative escrow balance of XXXX dollars. My online account shows an escrow balance of XXXX dollars. The information they sent me after 3 transfers on the phone ( which all said they did not work for a department that controlled my mortgage ), show a different number. I believe Wells Fargo has manipulated my escrow numbers to make money. There own documents do no add up. They also have a history of malpractice when it comes to this. See documents attached.

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 2024-11-27 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: T.S. Holdings
State: FL

Complaint narrative:
Under 15 USC 1681e ( b ), and 15 USC 1692c, I have no legal contract with IQ DATA INTERNATIONAL. I did not give them permission to past on my consumer reports either. They have failed to even prove such a debt is owed. Upon request, they refused to verify the debt. This account is not valid and has been reported to my XXXX credit report with across XXXX, XXXX and XXXX without due diligence. 

After my personal investigation the said account reporting I discovered the location where the debt may have occurred is in XXXX and It is imperative to state clearly that I do reside in GA and have been a home owner in Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I am filing this complaint against TransUnion Consumer Solutions for significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) reported on my credit history. These issues are a clear violation of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : 1. Completely Blank Payment History : - TransUnions report shows a completely blank payment history for this account. This indicates unverifiable and incomplete data, violating 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 

- Other bureaus, XXXX and XXXX, have reported detailed ( though inconsistent ) payment histories for this account, further demonstrating the unreliability of TransUnions data.

2. Confusing Comments : - The report from TransUnion states, " Account included in XXXX XXXX XXXX. '' - This contradicts the information provided by XXXX and XXXX. Furthermore, TransUnion has failed to provide supporting documentation to verify this statement. 

XXXX. Inconsistent Dates : - TransUnion reports : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX - These dates do not match those provided by XXXX and XXXX, reflecting significant discrepancies between the bureaus.

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information has not been removed, as required by law.

3. 15 U.S.C. 1681g : There is a lack of clear and complete disclosure regarding the details of this account, particularly related to payment history and bankruptcy information.

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 2024-11-27 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:
I am filing this complaint against TransUnion Consumer Solutions for significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) reported on my credit history. These issues are a clear violation of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Completely Blank Payment History : - TransUnions report shows a completely blank payment history for this account. This indicates unverifiable and incomplete data, violating 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 

- Other bureaus, XXXX and XXXX, have reported detailed ( though inconsistent ) payment histories for this account, further demonstrating the unreliability of XXXX data. 

2. Confusing Comments : - The report from TransUnion states, " Account included in XXXX XXXX bankruptcy. '' - This contradicts the information provided by XXXX and XXXX. Furthermore, TransUnion has failed to provide supporting documentation to verify this statement. 

XXXX. Inconsistent Dates : - TransUnion reports : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX - These dates do not match those provided by XXXX and XXXX, reflecting significant discrepancies between the bureaus. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information has not been removed, as required by law.

3. 15 U.S.C. 1681g : There is a lack of clear and complete disclosure regarding the details of this account, particularly related to payment history and bankruptcy information.

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 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XXXX, XXXX, 2024 a short sale application was submitted. Appraisal was ordered by the bank and completed. We submitted a value dispute as the appraiser didn't take into consideration the major repairs that were needed. 
On XX/XX/XXXX a representative from the bank emailed my representative stating if we would like to dispute the value to submit and inspection report as secondary appraisal are no longer be accepted. My representative submitted an inspection report. On XX/XX/XXXX they had updated the value and an amendment was submitted increasing the offer. My representative was informed that they could no longer review the offer due to the CFPB. They then spoke to a supervisor who told them to resubmit the package with the waiver which was done and they still wouldn't move forward with the offer submitted. We want to sell our home through a short sale given the opportunity as we do not want to lose it to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, nor do I recognize their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are supporting documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations 1. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section 609 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports.

2. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates Section 607 ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/2024 ) and the date of last payment ( XX/XX/2024 ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section 607 ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX  '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section 609 ( a ) ( 1 ) of the FCRA.

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 2024-11-27 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Subject : Follow-Up on Complaint Regarding XXXX Dear CFPB Representative, I am writing to follow up on my recent Complaint # XXXX regarding XXXX and the companies XXXX in its acquisition. Bayview Asset Management, one of the buyers of XXXX assets, has responded by stating they are not the appropriate company to address my concerns. This response is concerning, as it appears inconsistent with publicly available information about their role in the purchase of XXXX portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
They illegally took my money for fraudulent unsubstantiated to claims I had a dispute in early XXXX about XXXX dollars and I found that XXXX took the XXXX and I contacted them and they refunded it that same day and I told direct Express this so that was that I woke up the morning of the XXXX and had XXXX dollars on my account when I called direct Express they acted as if they had no idea who took my money so I kept calling and today the XXXX they told me they took it back cause they found out XXXX refunded it but they had no right to take my money cause they never gave it to me in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: KS

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

Company 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 2024-11-27 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 am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name : XXXX Account Number : XXXX I ask that the Consumer Financial Protection Bureau assist in ensuring the accuracy of the information being reported, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and correct any inaccuracies promptly. 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 2024-11-27 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have attached relevant documents for your review and reference.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-27 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers '. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation