vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a late payment on my credit report that not accurate Ive never paid this account late, Ive wrote the company and the credit bureaus several times reffering to this late payment and have not gotten any results!! The date of the late payment is for XX/XX/year> from XXXX XXXX XXXX its one late payment and ive never had any late payment history ever!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I have a late payment on my credit report that not accurate Ive never paid this account late, Ive wrote the company and the credit bureaus several times reffering to this late payment and have not gotten any results!! The date of the late payment is for XX/XX/year> from XXXX XXXX XXXX its one late payment and ive never had any late payment history ever!!

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 2024-11-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX  months. On XX/XX/year> at XXXX XXXX  I spoke to XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the XXXX  months period begins from the date of the previous account opening.

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My home is currently in foreclosure in Michigan which I have XXXX  months to redeem the amount of {$180000.00}. In the meantime, during the title search at the title company as I am attempting to sell my home, they are uncertain as to who is the true lien holder of my mortgage. I have discovered that that it appears to be three companies which includes GMAC in XXXX XXXX, PA which is recorded in the MERS system and showing inactive, PHH whom I have been paying which has attached my mortgage to XXXX who denies that I have a mortgage with them, despite all the letterheads for collection and grievances that I have addressed with the Ombudsman office are stamped as XXXX C/O PHH mortgage services ( See Attachments ). XXXX XXXX XXXX who is a debt collector for PHH Mortgage alleges that that PHH has nothing to do with XXXX. It is my belief that the amount XXXX is not the true amount as I have been in this home for 19 years with the original loan being {$200000.00}. I am not sure if the original loan has been XXXX and/or someone or entity fraudulently refinanced my home without my knowledge/nor authorization. I can not reach anyone from GMAC and XXXX alleges that they can not find an account, nor my social security number and/or loan account number is linked to them as a servicer. XXXX XXXX who is handling PHH Mortgage debt collection from me as the borrower denies have any affiliation with XXXX whose headquarters appears to be where GMAC Mortgage headquarters both in XXXX XXXX  PA. 
In addition, Title company discovered that there was a corrective gap assignment in the recorded deed at the county register of deed office in XXXX which appeared to back track a recording of title assignment in XX/XX/XXXX and XX/XX/XXXX. I never received any letters or notification of changes in Mortgage Companies during that gap period between XXXX. Has someone refinanced my mortgage through XXXX without my knowledge and/or used my home as collateral? 
I cant seem to get the truth from MERS, The County Register Deed Office, XXXX XXXX or PHH as to the true amount thats owed or who held the loan during the gap period of XXXX? Was my foreclosure unnecessary due to fraudulent documents? 

MERS has done some research, but denies any recording after XXXX and stated that they can no long assist me. 

I have attached and uploaded Response from MERS The debt collector XXXX XXXX in Michigan invoice to the title company A sample of letter with XXXX c/o PHH Letter Head with complaints written to their ombudsman office The corrective gap assignment recorded at the countys deed office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered a cellphone from XXXX on XX/XX/year>, it was supposed to be delivered on XX/XX/XXXX and the item never arrived. On XX/XX/year>. I was informed by XXXX that the item was shipped to an undeliverable address. Not mine. So I contacted XXXX and requested that they contact XXXX and fix the issue and they refused. So the item never arrived to me and was returned to XXXX. I filed a dispute with Capital One and they opened an investigation and closed it because XXXX disputed it. Capital One asked for more info if I wished to re-open it and so I provided XXXX correspondences from XXXX reflecting what they said and confirming that they received the device and were willing to issue a refund but couldn't because of the charge back that Capital One did. Now I am being asked by Capital One to be responsible for a {$1100.00} and {$20.00} for the theft and loss protection. XXXX is also refusing to help in coordinating with Capital One to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I am getting calls, texts and letters from XXXX different companies claiming to be collecting on the same XXXX bills. I have not responded to either, because I'm confused on who either of them are and why they got it in the first place. The bills they are claiming that I owe were never sent to me from the actual XXXX  providers. The companies are Portfolio Recovery and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had a vehicle loan with XXXX XXXX that I tranfered to Navy Federal for a lower rate. Navy Federal sent me documents to be completed to transfer the title. I signed the documents and sent the information back to Navy Federal. I received a text today stating my rate would be increased, then 20 minutes after the text the vehicle title was delivered by XXXX to my home.

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 2024-11-26 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: CarMax, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and file complaint to CARMAX AUTO FINANCE for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXXI XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening.

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 2024-11-26 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: AZ

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-26 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: AZ

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: KY

Complaint narrative:
I am getting calls/text/letter from XXXX different companies claiming to be collecting on the same medical bills. I have not responded to either, because I'm confused on who either of them are and why they got it in the first place. The bills they are claiming that I owe were never sent to me from the actual medical providers. Them companies are XXXX XXXX and Reliant Capital Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested validation of debt from the collection agency XXXX XXXX XXXX. I was sent an application of credit, which will not prove validation of credit. It only shows a application was done, validation of debt is required by producing a copy of the assignment contract, purchase agreement contract I am now requesting a copy of the assignment contract, or proof of the purchase of the alledged debt.. 

The assignment contract agreement, and the purchase agreement contract. Which, validates the debt which is owed to XXXX XXXX XXXX. 

The selling of the debt from the original creditor, becomes violated once the debt is sold. Thus, violating the contract of agreement, between the original account owner, and the original creditor. 

I request that the assignment contract be provided, to verify Securit Credit legal right to collect the alledged debt If the agreement contract can not be provided I demand that this account be removed from all three of the major XXXX XXXX XXXX XXXX, Experian and 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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a notification from Wells Fargo that my XXXX XXXX was removed for the credit card unexpectedly on XX/XX/XXXX. I immediately called the bank which they said the credit card was closed by the bank and could not give provide a reason of this closure. 

Please keep in mind, my XXXX XXXX is high and I always paid my monthly dues even before the due date. This allowed me to have my rewards up to XXXX XXXX 

This closure will negatively impact my XXXX XXXX as I fully lost trust in Wells Fargo.

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 2024-11-26 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: UPGRADE, INC.
State: AZ

Complaint narrative:
Your unauthorized derogatory rating has directly caused loan denials and increased interest rates, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.

Company response to consumer: Closed with explanation