vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion Signed up for a free account with Transunion. 
and froze my credit report. 
Account setup, acknowledged by email. 
Unable to access credit report or access the page that shows the status of my credit freeze. 
Both actions results in a message that says... 

" We are having technical difficulties. We appreciate your patience while we resolve this issue. '' When searching for a solution to this problem I noticed that people have been having this issue for the past 9 months. 

Their phone support is cumbersome and poor quality. It discourages use of this free service.

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 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Below is the most recent email I sent to Wells Fargo ( WF - settlement email ). I also remember filling out an arbitration notice before but never received any further correspondence. I also submitted a complaint with you/CFPB years ago without further correspondence. I do not recall whether it was against WF. 

Years ago, I complained multiple times to WF about an account that was opened without my consent. I recently mentioned it to a manager but was not told about the class action settlement. I never received any information about the settlement via mail. Said account was abruptly closed YEARS after my complaint, although there was money in the account. I was never refunded. 

Around XXXX, I was forced to sell my house because WF was trying to rush foreclosure and gave me a very difficult time trying to modify my mortgage after missing a couple of payments. I didn't want to sell my house but the manner and frequency of their interactions showed their intent was to steal the house from me. 

I also was charged fees ( mostly checking account ) that seemed suspicious. They always had an excuse. 

I complained about these issues via person, phone and email without any response/solutions. 

Please review my account history for details. In addition, I had some suspicious interactions with staff at two Georgia branches- where a manager and teller may have kept my driver 's license because they were upset I was withdrawing money ( XXXX  ). I called to complain but they claimed they didn't have my license. 

The other interaction which I did not disclose to WF was an employee/CSR at a branch was visibly distraught by WF 's actions against her so much so that she was literally begging me for a job. She stated that they were pressuring her to open accounts ( XXXX  ) and she just couldn't/would n't do it. 

I humbly request that you re-open this class action/settlement or start a new one, because if I, as a potential claimant, was missed or ignored, then there is a very high likelihood that there are many others. I am not sure whether settlement checks were mailed to me, as I have ordered a debit card from them years ago, but never received it although they claimed it was sent. 

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 monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I received a letter dated XXXX informing that I owe them a debt. No proof that I owe the debt was provided only a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX XXXX. Account Number XXXX. However since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has been told XXXX times they have the wrong number. Yet they continue to call EVERY SINGLE DAY including Sundays as early as XXXX and as late as XXXX. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  -Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX - XXXX ( b ) ( XXXX ) XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX  account # XXXX {$220.00}, XXXX account # XXXX {$0.00}, XXXX # XXXX {$860.00}, XXXX  account # XXXX {$55.00}, XXXX XXXX account # XXXX {$30000.00}, XXXX XXXX XXXX {$9500.00}.

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 2024-08-21 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-21 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:
Following 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
My complaint is with Freedom Mortgage and what I feel like is deceptive practices during the refinance process. 

I recently refinanced a mortgage with some credit card consolidation. The total amount of the new mortgage loan was around $ XXXX. The appraised value of the home was roughly $ XXXX. At no time in the refinance process was mortgage insurance mentioned with the FHA loan nor was I given the option of a conventional loan. At closing, the mortgage insurance was added to the loan in the documents that were signed. Even though I clearly have more than 20 % equity in the home, I can not get the mortgage insurance removed for 11 years or until my remaining balance drops to around $ 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 2024-08-21 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made an ACH transfer into my account from an outside account using the Citi app. Both accounts are mine. I did the deposit on XX/XX/24 and was told by an agent that my money would be available no later than XXXX XXXX  XXXX the next day. LIES! Its now XX/XX/24 and my account has since been suspended due to suspected fraud. They were able to fully verify my account by asking everything rom my name, ssn, dob, account #, debit card #, and a bunch of other questions. My number on til was an old number and I only used my email to XXXX myself. They have accused me of fraud and its not fraud! Ive spoken with about XXXX or so agents which have hung up on me, transferred me and hung up before anyone picked up, and have argued me down saying that they know I still have access to an old number. The last supervisor I spoke with was refusing to help, over talked me, and hung up when I tried explaining this is not fraud and this is the refund disbursement from school for books and housing. They kept saying they sent a letter yesterday and I told them I no longer lived at that specific address and they refused to update or take any information. Eventually I called corporate and spoke with someone in the executive resolutions unit. Gave him the whole run down of being on the phone from XXXX XXXX XXXX XXXX and what was going on. He told me I would receive an email about a case he is opening on my account. I still havent gotten an email or a phone call from the next department. 
Called back the following day to speak with someone and she verified the account by calling me and told me she was going to unblock my account. Put me on hold and said that she cant do it. I asked for a sup and he said that the policy changed since I spoke to the woman I had just spoke to.

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 2024-08-21 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have asked for a student discharge application and was told they wouldnt send me one because my loan didnt apply. I asked to send me the application and then they can deny the application if thats the case. They deny me the application and refuses to send me one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NH

Complaint narrative:
I DISAGREE with the accounts listed below which STILL appear on my credit report for the THIRD time, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. Your report concerning me is harming me personally, emotionally, and financially, and causing me damage. I have asked you more than TWICE to VERIFY these inaccurate accounts and Experian has failed to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with, The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also requested that you provide the names and business addresses of each individual with whom you VERIFIED the above so that I may follow up and you FAILED to do so.

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 2024-08-21 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 am a victim of identity theft. I have my FTC report number # XXXX. This company, XXXX XXXX XXXX, reported an account on my credit file that does NOT belong to me and I have tried to resolve the problem with them and they have not responded. attach proof of my report with FTC

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I am writing to formally address a matter concerning a collections account reported by LVNV Funding/Resurgent Capital Services ( hereinafter referred to as " RCS '' ) appearing on my credit report with a purported balance of {$240.00}. I have undertaken due diligence in disputing this debt with the three major credit reporting agenciesXXXX, XXXX, and XXXX the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. 
Despite these efforts, RCS has persistently failed to provide adequate verification of the debt in question. In a further attempt to resolve this matter amicably, I submitted a written offer to settle the alleged debt with LVNV Funding, notwithstanding the fact that I do not acknowledge ownership of this debt. The presence of this erroneous account on my credit report has been ongoing for several years, causing undue harm to my creditworthiness. 
Furthermore, I have identified numerous discrepancies across the reports from the three credit bureaus, totaling 32 distinct errors. These errors pertain to inaccuracies in reporting dates, amounts allegedly owed, the validity of the debt, and the status of the disputes I have initiated. The discrepancies and lack of proper debt validation by RCS necessitate immediate corrective action to prevent further damage to my credit profile. 
I hereby request immediate rectification of this matter and the removal of the erroneous collections account from my credit reports. Should this issue not be resolved promptly, I will consider all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Company response to consumer: Closed with explanation