vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/year> I had signed my loan modification for {$270000.00} with Nationstar Mortgage LLC to prevent foreclosure on the property that I was managing as the executor of my deceased mother 's estate. We faced rent issues as well as maintenance problems which forced us to be behind our payments. We had contacted Nationstar Mortgage LLC and they approved our loan modification request twice. While in the final stage of the loan modification, Mr. Cooper decided to sell the mortgage to another lender XXXX XXXX XXXX XXXX XXXX. 
Nationstar Mortgage LLC was contacted and confirmed that the new lender would honor the terms of the loan modification, which was concluded to be a lie. The new lender has decided to ignore the loan modification agreement and stated that they don't have any loan modification requests from Nationstar Mortgage LLC. This is an unprecedented violation of a consumer 's right to save a property as the lender has decided to wrongfully ignore the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AR

Complaint narrative:
In my divorce decree my ex husband was responsible for paying the debt of our XXXX XXXX  I have sent in our divorce decree asked for the creditor to be removed all they did was changed to charge off

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing another complaint against Wells Fargo regarding a disputed charge. I disputed a charge of {$850.00} believing they were fraudulent since my ads are paused and my threshold limit is {$200.00} a month. The Wells Fargo representative disputed the charge fraud rather than unauthorized. Wells Fargo then denied my dispute, stating that it was not classified as fraud and that I could only dispute the charge once, despite having supporting documentation that indicates the dispute was filed incorrectly. I believe this policy is unfair and would like further assistance in resolving this matter. I did not authorize this charge and I am being held responsible for unauthorized transactions. This happened a second time for {$850.00} and Wells Fargo is still giving me the same information although I have canceled my XXXX ads account and do not have any ads running, I did not authorize XXXX Ads to take {$850.00} from my account again and the bank is not resolving this problem.

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 2025-02-25 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: FL

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. 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 2025-02-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-25 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: ID

Complaint narrative:
Capital XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies.it Then on XX/XX/XXXX I pointed out that you are showing that this account was XXXX  days late in both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I also pointed out with evidence that there are different dates for those months than what XXXX is showing for this account. I also stated that if If you are saying this is accurate, can you please provide me with the payment history the data furnisher provided you that you are basing this on. Then you didn't repond until XX/XX/XXXX which has been longer than XXXX  days, which is grounds for deletion under the FCRA statutes. Please delete this account. According the FCRA innacurate data is grounds to delete an 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 non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against Midland Credit Management , Inc. for engaging in unlawful debt collection practices within the state of Florida without proper licensing. Additionally, they have initiated a lawsuit against me in my XXXX, attempting to collect a debt they do not legally own. 

Details of the Complaint : Debt Collector : Midland Credit Management , Inc . 
Court Case Number : XXXX Jurisdiction : XXXX XXXX XXXX XXXX  XXXX of Complaint : Midland Credit Management XXXX XXXX is not licensed to collect debts in Florida as required by state law. 
Despite lacking the required licensing, they have filed a lawsuit against me in an attempt to collect an alleged debt. 
They do not own the debt in question, yet they are falsely claiming ownership in an effort to enforce collection through the legal system. 
Their actions violate both Florida debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), as they are engaging in deceptive and misleading collection practices. 

I also attached prof that they do not have a Florida license to collect in this state and lawsuit document they filed agenst me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I am filing a complaint against National Bank of Arizona and Loan Originator XXXX XXXX ( NMLS # XXXX ) regarding a fraudulent loan denial letter issued on XX/XX/year> in connection with the sale of my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Parties : XXXX XXXX ( Sellers Realtor agent ) ( XXXX ) XXXX XXXX XXXX XXXX ( Loan XXXX at National Bank of Arizona XXXX lender ) ( XXXX ) XXXX XXXX XXXX XXXX ( Buyers Realtor agent ) ( XXXX ) XXXX - XXXX XXXX XXXX ( Branch XXXX at XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX at XXXX Title ) ( XXXX ) XXXX - XXXX Key Facts : On XX/XX/year>, both XXXX XXXX and XXXX XXXX were informed by the buyers that they would withdraw from the contract if National Bank of Arizona could not complete their loan approval by end-of-day. 
The buyer terminated the contract on XX/XX/year>, XXXX days before the lender issued the loan denial letter. 
Upon cancellation of the contract, XXXX XXXX verbally told XXXX XXXX that he had requested a loan denial form. 
Throughout the transaction, XXXX XXXX and XXXX XXXX repeatedly stated the buyers were highly qualified. 
The loan denial form was issued on XX/XX/year>, XXXX days after the buyers had already withdrawn from the contract. 
The loan denial letter was not signed by any authorized representative, further calling its validity into question. Instead, it was issued by XXXX XXXX ( XXXX XXXX ), rather than underwriting or a loan processor. 
The loan denial form was not sent to anybody except XXXX XXXX and/or XXXX XXXX. XXXX XXXX never received the loan denial after multiple asks to XXXX. 
After issuing the Loan Denial form, XXXX XXXX stopped responding to XXXX XXXX in their originally established means of communication such as text, phone, and email. 
The title company has described the situation and supporting documents as highly questionable. 
The lender has refused to provide documentation explaining why the loan denial was issued after contract termination or confirming that standard underwriting procedures were followed.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I had a XXXX XXXX appointment at a XXXX XXXX XXXX, no medical procedures were done. It essences, it was a normal checkup but with a conversation with a XXXX XXXX doctor and XXXX. That apparently cost {$700.00} and wasn't covered by my insurance at the time. However, I had blood drawn at the same location and it was completely covered. This is an absurd charge for no medical procedures to have been done and I can not afford to pay off {$700.00} just for that. I tried doing a payment method, but the balance keeps saying XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My ability to obtain credit is being affected by this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I'm writing to report an unauthorized transaction on my account. On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX, a total of {$900.00} was stolen from my account by $ XXXX XXXX. 

The transactions were as follows : - {$450.00} ( first transaction ) - {$450.00} ( second transaction ) - {$4.00} ( third transaction ) These transactions were made without my permission. At the time, the security feature requiring a PIN had not been implemented. 

Please assist me in resolving this issue and recovering the stolen funds. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: RI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
My house was hit with XXXX trees during a XXXX. I filed an insurance claim and the funds have been sent to my mortgage company New American Funding. My home was closed in from the and the invoice was sent XX/XX/XXXX. Since then I have only been able to get a small portion of my funds to pay the XXXX. I was required to get an inspection through New American Funding to release the rest of the funds to pay yet they still did not pay in full. They are not following the policy that was given to me in writing and the contract with XXXX XXXX in XXXX XXXX ( XXXX ) states they are to be paid in full at completion of each service once invoiced and they have not been paid and will not move forward. It is now XX/XX/XXXX and my XXXX still has not been paid. XX/XX/XXXX, I sent is an authorized Third party letter to speak with XXXX XXXX in regards to missing payment and they released my personal information about my account to my XXXX without my permission. I was told by my loan processor XXXX on XX/XX/XXXX that she never looked at all the documents in my claim and was requesting the wrong information because she did not look at the invoice from my XXXX. I am going on XXXX months out of my home and New American Funding still is not releasing funds for me to make repairs. I called again today XX/XX/XXXX and they are refusing to pay the XXXX and releasing personal account information to my XXXX which I did not authorize. I waited XXXX minutes on hold for a XXXX to never come to the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation