vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: LA

Complaint narrative:
I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX formally XXXX card. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however XXXX  remains on credit report. I have attached proof of the creditor closing the account back in 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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I will not stop making complaints until my money is returned. The laughable investigation process that Wells Fargo takes does nothing for their customers. No matter what you say no matter how you go about getting your money back that is rightfully yours they just send you to the next person and the next person and the next person with no results with no real answers with no explanation. What I am requesting is that they show me how they got in contact with the merchants and what proof did the merchants show that I received goods or services for the money that was charged. I have been battling Wells Fargo for over 7 months to get my money back. When my information was stolen they were able to get into multiple of my accounts XXXX and XXXX XXXX have refunded me my money Wells Fargo will not respond back with anything but their reasoning which is none. They refuse to accept the fact that I did not authorize nor make the transactions. Therefore if I made these transactions I want them to show me what I received for the money that the merchants charged my card for. The response I got from the claims department was that I need to get a hold of the merchant and deal with it myself and I have explained to them on so many occasions I can not even count that I can not get a hold of any single Merchant that charged my card that I am disputing the charges I can not find them on XXXX I can not find them anywhere I don't know how to get a hold of these Merchants because I don't know who they are. Wells Fargo should be investigating their charge back or unauthorized transactions thoroughly and if they were doing so then they would be able to recognize and see that no Goods or services were exchanged therefore I am owed my money back I will keep complaining to the Consumer Financial Protection Bureau as well as the FDIC my State Attorney General and any other company that I possibly can because of their disgusting business practices. All you see is story after story after Story of Wells Fargo denying claims no real evidence or proof given and them just sending you to the next person to the next person so that you give up and the greedy corporate corrupt giant that they are continues to gain revenue on customers that they are supposed to protect.

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 2024-05-15 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: GA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

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 2024-05-15 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: GA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

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 2024-05-15 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 examined my credit report and observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been doing business with a Financial Institution for Quite some time and have been a model customer and investor with this bank making EVERY payment with this company ON TIME. In XXXX XXXX XXXX I was charged with an erroneous ( 30 day ) late on my XXXX, XXXX, XXXX report. The payment was made well ON TIME, but the company decided to take it upon themselves to apply the payment to a 'low ' escrow account therefore bypassing my loan payment and marking it as a late payment on my report. I was NEVER contacted or notified that this was happening. If I would have been told that my escrow was low, I would have made the payment immediately as I STILL maintain an impeccable payment history with NSTAR/COOPER. Pursuant to multiple codes within 15 U.S. Code 1681, this company is in direct violations of the Fair Credit Reporting Act. THE LAW CLEARLY STATES. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. I tried to repeatedly remedy this with the Company but was flat out ignored. I have experienced great hardship over this ridiculous situation and have miss out on many financial opportunities because of this folly on my name. The damages I have suffered have been great. This company has violated 15 USC 1681s-2 as well, in reporting information that is clearly incorrect. Pursuant to 15 USC 1681n AND 15 USC 1681o, Willful and Negligent Noncompliance, I will be seeking damages if this issue does not get rectified immediately. I have a refinance coming up on XX/XX/XXXX that I will not be able to take advantage of due to this erroneous information on my credit report if this doesn't get rectified by then. Please update the late payment on XX/XX/XXXX to PAID ON TIME/NEVER LATE on my report with ALL THREE bureaus or I WILL BE FORCED TO SEEK EXTENSIVE DAMAGES IN THIS MATTER.

I will also be submitting a complaint with the XXXX  as well if this matter isn't resolved by XXXX XXXX. I have attached a screenshot of my account of what happened and the screenshot of the late payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX using CareCredit card, Synchrony Bank. Charges were made XX/XX/XXXX and XX/XX/XXXX for {$2500.00} by XXXX XXXX for XXXX  months. Charges were made by XXXX XXXX XXXX XXXX XXXX for {$1200.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX for 12 months. I received information from Synchrony Bank re payment giving a due date of XX/XX/XXXX while I was packing to go out of town. I had questions so I put the credit card into the envelope and took it along. I can not locate the card or the envelope now and the receipts I have only give last XXXX digits of XXXX. They want you to set up and pay online but this requires the whole account number. So, I called their customer service number regarding my questions and asked for the whole account number so I could set up bill pay, my bank and I select the day to pay. Said this required a different level of security and wanted a cell number. I declined, offered land line number or email for receipt of a code. I recently saw a video on billions made by companies sharing cell numbers with their " associates '' for their own marketing. I am trying to pay this bill by XX/XX/XXXX. How many calls come from individuals saying " I found somebody's CareCredit card and I want to pay on their account ''?? Why will they not provide the account number? To set me up for some late fees? Synchrony Bank needs to do better, or any customer service and I need some consumer protection from them. Please help. I am trying to pay. 

Sincerely, 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 2024-05-15 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 examined my credit report and observed inaccuracies in the listed accounts.

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 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
The mortgage company has done an " annual '' escrow analysis of my account, which covers the period of XX/XX/XXXX thru XX/XX/XXXX. Annual is 12 months, not the 7 months they are claiming to be an annual analysis. As a result they have raised my monthly payment substantially.

In 5 months, I will have contributed an additional {$890.00}, which would lower the amount of my payment significantly. What would stop them from doing an analysis every time they pay out money? Maybe I want to pay in additional funds over the next 5 months to keep my payment low?

They also call me, and then ask me to provide them information to verify who I am. I don't need to verify who I am to someone who calls me. How do I know the person who called is really from the mortgage company? I have gotten a spoofed called from my own cell phone number. If they can spoof my number they can spoof anyone 's number.

This company is awful. It is sad for those of us who have low interest mortgages to have to suffer with an awful mortgage company, or be forced to refinance at a much higher rate in order to get good customer service. Their ratings are low all over the internet for a reason, and its not because they offer good loan servicing.

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 2024-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
I have sent numerous messages to Mohela since calling them is impossible and they keep sending me info that is not pertinent to my loans. On the website, it says Im not due until XXXX for payment but the messages I received say Im in repayment but Im paid ahead. I asked if the payments count towards PSLF and they gave me info on the IDR plan which I am not a part of. I feel as if this was an automated response and not an actual customer service representative and my questions were still not answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: IN

Complaint narrative:
More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by one digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or 2.

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.

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 2024-05-15 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: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently reporting an incorrect address on my credit file. The reported address, ( XXXX XXXX XXXX XXXX XXXX PA, XXXX ), is outdated and inaccurate. This erroneous information is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that consumer reporting agencies like Equifax ensure the accuracy of the information they maintain. Additionally, Equifax 's reporting of an outdated address violates my rights under the FCRA to have accurate information in my credit file. I would like to emphasized that I do not reside at the address mentioned above. Therefore, its inclusion in my credit file is entirely inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
THE COLLECTION COMPANY PORTFOLIO RECOVERY ASSOCIATES AGENCY HAS ENGAGED IN FALSE AND MISLEADING PRACTICES VIOLATING FDCPA 807 AND ALSO PER MY CREDIT REPORT THEY HAVE REMOVED THE CREDIT INQUIRES FROM PORTFOLIO RECOVERY BUT NOT THE COLLECTION DEBT ITSELF THIS COMPANY IS REPORTING FRUDULENT AND INACCURATE INFORMATION ON MY XXXX REPORT. PLEASE SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called to get the following information below but the representative I spoke with was unable to give me the information I asked for. I am contacting you again for the following information below. 

When was the account opened? 
When was the account closed? 
When was the account sold? 
What date was the account charged-off? 
What was the date of first delinquency? 
When was the last payment? 
What is the balance?

Company response to consumer: Closed with explanation