vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My home was foreclosed upon in XX/XX/scrub> 2011 by Wells Fargo Home Mortgage. 

Wells Fargo denied a Loan Modification request I made a few months prior to the aforementioned foreclosure date. 

Wells Fargo did not spend any time considering this Loan Modification Request. I know this to be true because Appraisers were coming to my property and doing exterior appraisals on my home. They knew that they were going to foreclose. I know this because I was an XXXX  for 22 years. I was a XXXX XXXX XXXX XXXX  and was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A few years prior the 2011 foreclosure on my home, I had a followed all of the terms of a Loan Modification between Wells Fargo and I. This home was owned by me for approximately 12 years. 

In XX/XX/year>2011 +/- I received a call from Wells Fargo stating that they had a check for {$1300.00} for me. This was after they foreclosed. Wells Fargo failed to log a payment!

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Receiving emails from True Accord stating XXXX XXXX was the original creditor to a debt they claim I owe. When debt was overdue, XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX XXXX who currently owns this balance with True Accord handling the go after. 

Recipient on email reads as XXXX XXXX and is sent to my email acct. ( same used to set up this acct for this complaint ). 

Searched on the internet and found many complaints about True Accord including but not limited to the XXXX XXXX XXXX  Went to XXXX XXXX XXXX to file a complaint and was rate limited after trying to input the name of True Accord in their system only twice. THOUGH was able to see on the XXXX  site that True Accord has many complaints. 

Customer Complaints XXXX complaints closed in last XXXX  years XXXX complaints closed in last XXXX months Read complaints from here > XXXX XXXX XXXXXXXX Further found mention of True Accord using phishing techniques to gain contact information when searching the term " true accord debt collection scam ''. HOW they ended up with MY email for another person 's ( possible ) debt I have no idea. BUT- it's becoming more and more dangerous and sketchy to open emails or click anywhere on the net. 

Will be calling the phone number provided on the email on XXXX. And I am unsure just how to proceed further. OF COURSE I won't click on the live ( linked ) words or boxes on the email. 

Please look into True Accord- and advise if making a complaint to you has been an appropriate move to help me AND citizens in the future. 

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a postcard from your branch addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which stated an initial one-year fraud alert was added. As far as I believe, your company must be extended into 7 years. And your branch asked me how long I wanted to be extended and I remember I answered until XXXX. I sent already necessary documents several times. I even sent the copies of my XXXX passport twice. I believe they have arrived at your office. If not, there might be some fraud activity of the United States Postal Service. Please check with USPS regarding them. 
Besides, I received another credit report from company based in Arizona state. And this report has all my banking information, such as credit and saving accounts. I am not sure why the report of your company does not have the information. Arizona might have some its own regulation to include these banking accounts information in the credit reports of identity theft victims. I request your company will give me the explanation why your company does not have the information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
In XXXX, XXXX, I got a home improvement loan with Greensky through my contractor, XXXX  XXXX  XXXX '' ( XXXX ) ; I was getting new windows. The unsecured loan came back under my husband 's name only, although we'd also submitted one with both of us listed. 2 weeks after the loan was approved, my husband died ( XX/XX/XXXX ). I informed Greensky of this, but got no response. Mid XXXX, Greensky released 1/2 of the loan so the work could be started. ( The loan was for 48 months, interest free ). Come XXXX this year, the rest of the money was still sitting in my husband 's Greensky account. ( In XXXX, I'd sent them 2 copies of his death certificate & requested I be put added as I'd be paying it off. ) In early XXXX, XXXX emailed me, asking for the balance of the bill as Greensky had ignored requests for payment. So I called. 

On XX/XX/XXXX, I spoke with " XXXX '' who said that she'd have " Customer Service '' call me. No call ever came. On XX/XX/XXXX, I received a voice mail asking to speak to " XXXX ''. I returned her call about an hour later & spoke to " XXXX '' who would have " XXXX '' return my call. She didn't. On XX/XX/XXXX, I spoke with " XXXX '' who said that " XXXX '' was unavailable, but he'd give her a message. Later that afternoon, " XXXX '' called me back & requested that XXXX invoice them for the remainder of the loan, & they'd get paid. On XX/XX/XXXX, I finally connected with " XXXX '' who informed me that the XXXX needed to invoice Greensky w/i 24 - 48 business hours in order to be paid. I relayed this to XXXX. However, when XXXX  called them, they spoke to " XXXX '' who told them I was " given the wrong information '' & that I'd need to come up with the balance " some other way ''. They wouldn't release the remainder of the loan because my husband had passed ( but they released the first half even though he'd died! ) This makes no sense to me. 

On XX/XX/XXXX, I checked & saw that the balance of the loan still sat in XXXX 's account. On XX/XX/XXXX, I called to find out what the problem was so I could determine how best to proceed. I spoke with " XXXX '' who told me that she couldn't discuss this with me unless there was a document on file stating that I was the administrator of my husband 's estate ( yet they'd discussed it briefly with me previously ). Recently, I received duplicate letters from Greensky addressed to him stating that they'd " reviewed my complaint '' but I never filed a complaint with them & have no idea what they're talking about. I don't want to see others jerked around like I've been. I'm very frustrated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is inadequate with keeping up to date credit reporting g on my account and payments are taking weeks to clear. It is both unfair and unjust to continually be subjected to lazy workers who dont update my credit account and further more have charged me unfair late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have suggested this information 3 times regarding XXXX : XXXX XXXXXXXX XXXX XXXXXXXX 
that I disputed and it was verified. Each time my request under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been illegally IGNORED!

The last request I submitted via CFPB XXXX XXXX XXXXXXXX on XX/XX/year> and receipt was acknowledged on XX/XX/year>. ( 17Days ) Again, my request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 1681i ( 7 ) has been IGNORED! 

I requested the procedures used that led to the XXXX XXXX account to be verified. I also requested in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / 1681i ( 7 ) that I be sent the names of the persons they spoke to and their telephone number and address in accord with the law mentioned above.

I understand that these violations of the FCRA could result in as much {$1000.00} for me in compensation because this Credit Reporting Agency has FAILED once again to provide this information in 15 days according to law.

The sole basis of my dispute is in accordance with FCRA 602 which states I have a right to privacy. Additionally, FCRA 604 ( a ) ( 2 ) that states a credit reporting agency can not furnish an account without a consumers written instructions. Also, Gramm Leach Blilley Act Section 6802, 6803.

Remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for an extension of credit at a Navy Federal branch in good faith and was unlawfully denied, as adverse action against a consumer is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/2019, XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot 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 non-monetary relief
Consumer complaint received 2024-03-17 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX  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 2024-03-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). EXPERIAN HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE EXPERIAN EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 EXPERIAN WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW EXPERIAN IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. EXPERIAN HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST EXPERIAN FOR AN IRS AUDIT .

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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
I applied for a car loan in good faith with Stellantis and adverse action was taken against me. I was told I had to put over {$40000.00} in cash down for a consumer credit transaction. There is not cash involved in a consumer credit transaction. This error has left me in a worse situation that when I applied.

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