vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to file a formal complaint against Experian due to ongoing issues with their customer service and misleading practices. 

On Friday, XX/XX/24, I attempted to access my credit report through XXXX online platform. Despite multiple attempts, I was repeatedly directed to call their customer service number, XXXX, as the online process did not allow me to complete my request. The number provided did not connect me to a live representative, and the automated system only looped through various pre-recorded messages without offering any means to speak with a person. 

Desperate to resolve the issue, I had to find a different number and I had to resort to using a workaround by stating that I wanted to file a dispute, which finally connected me to a human representative. However, this was only possible through a different phone number than the one listed by Experian, which I found through external resources. This deceptive practice forced me to waste significant time and effort just to reach a person. After conducting some research, I discovered that many others have encountered similar issues, as widely reported on various online forums. This indicates a systemic problem that Experian has failed to address. 

When I eventually spoke with a representative, I was asked to verify my identity through a series of questions. I answered all questions correctly, but the representative insisted that my answers were incorrect. Despite knowing my information was accurate, I was then provided with yet another phone number, which also failed to connect me to a live person. This is a clear indication that Experian is fully aware that their listed customer service number does not reliably connect customers to real representatives. 

On Monday,XX/XX/24, I attempted to follow up again, but the phone calls were still unsuccessful. When I tried to proceed online, I was once more redirected to call the same ineffective phone number, which only led to more frustration. 

Experians failure to provide functional customer service lines and the need to rely on workarounds to reach a representative constitute false advertising and a failure to provide the services they promise. This issue has caused undue stress and wasted valuable time, all while I am trying to manage my credit information. 

I request that the CFPB investigates Experian for these repeated issues, as they clearly impact a significant number of consumers and violate fair service practices. 

Thank you for your attention to this matter.

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 2024-08-20 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: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
we feel unfairly treated and not given an appropriate chance at short sale review

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: NJ

Complaint narrative:
I recently changed my checking account information thats used for Autopay through Concord Servicing. The amount of the Autopay due each month is {$120.00}. A payment was successfully deducted from my account in XXXX, 2024 ( and all previous months that I have had this account ). I contacted the servicer to update my bank account info with my new checking account info. I asked that that old bank account info be removed. I also changed the amount of the autopay that was to be applied. I have a confirmation letter dated XX/XX/XXXX that a XXXX ACH payment was applied on XX/XX/XXXX. 
I also authorized my future autopay to be {$140.00}, effective XX/XX/XXXX. I received a confirmation letter from Concord confirming this was set up. The letter states that I authorized {$140.00} payment to be applied beginning on XX/XX/XXXX for each month on the payment due date ( XXXX each month ) for the remaining XXXX payments due. 
A letter dated XX/XX/XXXX was sent advising that my account was past due. I called Concord on XX/XX/XXXX to ask why was the XX/XX/XXXX payment not deducted, why was a late fee being applied, etc. I was advised that the letters they sent confirming the changes made didnt apply because of their system issue. My account is being charged a {$20.00} return check fee for their attempt to deduct a payment from an account that I no longer have nor were they authorized to deduct from that account, and their confirmation letter confirms that they werent supposed to deduct from that account. I am also being charged a late fee for a payment that I authorized them to take but systemically they failed to draft.. I requested both fees be removed and my account removed Collections and was advised I needed to send a letter. The representative was unable to assist. Their systems do not do what they say they will do. Their confirmation letter do not match their actions. 
I authorized a XXXX ACH payment for {$250.00} on XX/XX/XXXX. I requested my account be reinstated on autopay but was advised that until I pay the fees I am unable to. I requested that the fees be removed and advised that they can not. I am requesting the fees be removed and my account reinstated on Autopay for the remaining duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX 24 Preliminary XXXX XXXX Affidavit filed in XXXX XXXX XXXX courthouse to the successor of interest and estate of XXXX  father with a bogus listed for a named XXXX XXXX XXXX, XXXX Loan Documentation XXXX XXXX 24 Bogus phone number listed on letter from XXXX XXXX XXXX from lender acknowledging third party discussions even though once all parties contacted them ; they denied that they had permissions or that anyone else had been added to be authorized to discuss mortgage account.

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 2024-08-20 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: TX

Complaint narrative:
Multiple times I have requested that my name be corrected to match my Texas drivers license as it is my legal name. However, the credit bureaus has ( experian, XXXX and XXXX ) refused. all XXXX  bureau 's maintain inaccurate and unverifiable information with regards to my personal information. The information must be consistent with the Texas drivers license issued to me along with the address listed on my drivers license. This is the only verifiable personal information. These companies have all caused me serious issue in obtaining credit due their illegal reporting practices. I have XXXX name and XXXX address. All other information is not verifiable and required by law to be deleted. Please update my personal information with my name and address. For more information please contact me.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from Venmo that my account requires additional attention and that I would receive an email from a support specialist to help me with it. I opened the Venmo app and my account was frozen with my funds still in there. To this date, I have submitted numerous requests to provide any information they require to remedy this issue, but I have no received a single response and my account and funds are still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
No check received from class action lawsuit for overdraft fees on my now closed account

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 2024-08-20 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete 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 non-monetary relief
Consumer complaint received 2024-08-20 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-20 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: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX .Account numberXXXX 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 non-monetary relief
Consumer complaint received 2024-08-20 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: DE

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-20 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: DE

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-08-20 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: GA

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. XXXX XXXX  Unverified Account XXXX XXXX  XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. they are in an attached pdf and my drivers license, ssi card and address verification is 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: MI

Complaint narrative:
This serves as an official letter, and I am choosing to permanently opt out of FactorTrust Inc. I want to remove my name permanently from the lists FactorTrust provides to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MI

Complaint narrative:
I received a check from a bankruptcy distribution. I deposited the check into cashapp. The next day I received a note that the check was denied and I was banned from depositing any more checks due to my violation of the terms of service. 

I have repeatedly asked support why the denied the check and how exactly I violated the terms of service by depositing a completely legitimate check. 

They refuse to answer, they just tell me to see the terms and refuse to say how they decided the check was bad, or why I cant appeal it when they are blatantly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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 have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but it remains unaddressed. These entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be associated with my identity, as I am a victim of identity theft.

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 2024-08-20 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: NJ

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but it remains unaddressed. These entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be associated with my identity, as I am a victim of identity theft.

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