vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX XXXX XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. 

This account does not comply with Metro 2 Compliance Standards.

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 2023-10-06 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make any this charge. I ask that the items get deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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:
these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!

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 2023-10-06 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: FL

Complaint narrative:
these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of XXXX Hurricane XXXX  struck Florida leaving significant flooding, property damage, and destruction in the wake. My account was current on this date. 

On or about XXXX of XXXX I contacted my mortgage servicer, Freedom Mortgage Corp. to let them know I was adversely-impacted by Hurricane XXXX  , I would be delayed in making a payment and was considering forbearance. 

In XX/XX/XXXX I formally entered into a forbearance. That was a 90 day forbearance. 
Also note, in XX/XX/XXXX Hurricane XXXX  struck Florida. 

In XX/XX/XXXX I called Freedom mortgage to request a forbearance extension. 

On or about XX/XX/XXXX I was advised I would be entering into a forbearance for Hurricane XXXX. 

I contacted Freedom Mortgage on no less than XXXX additional occasions to let them know the impacts were still present I requested forbearance extension. 

In XXXX  of XXXX, I was advised Hurricane XXXX  forbearance could not be extended and I was automatically entered into a COVID-19 forbearance, this was done without my direct consent. 

I made it clear to Freedom Mortgage at this time I was throughly confused because they were advising Disaster forbearance for Hurricanes XXXX  and XXXX  could not be extended beyond 90 days as a matter of my investors polices. My mortgage is owned by XXXX XXXX and their servicer guidance clearly provides for extensions of up to 1 year for Disaster forbearance. I asked for a clarification on this point and to be informed whether this is an overlay by freedom mortgage, an oversight, or if there was information relating to servicing I was missing. 

At the end of my covid forbearance in XX/XX/XXXX, I contacted Freedom Mortgage to request an extension of my forbearance status as I was impacted by Hurricane XXXX  as well. Again on this call I made a request for information as to the justification for only providing 90 days for the other two, XXXX and XXXX - Disaster Forbearances. I still have not been provided a comprehensive explanation for this point. I was provided information at XXXX point stating Freedom Mortgage had to follow FEMA 's guidance. The XXXX representative seemed to indicate FEMA had some form of governance over how long a forbearance could last. This is also contradictory to the XXXX XXXX guidance on their website for Disaster forbearance. 

I am seeking the CFPB 's assistance in helping me to obtain additional forbearance time and remedy Freedom Mortgage 's practices of not seeking approval for extension of Disaster forbearance. 

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 2023-10-06 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: CA

Complaint narrative:
The following accounts on my credit report are not mine : XXXX. XXXX XXXXXXXX XXXX {$800.00} XXXX. XXXX XXXX XXXX XXXX$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
The following accounts on my credit report are not mine : XXXXXXXX XXXX XXXXXXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # 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 2023-10-06 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: SC

Complaint narrative:
Ive had numerous issues with Wells Fargo since 2021. My accounts have been hacked, compromised, switched along with my online accounts. I was charged overdraft fees when I shouldnt have and my accounts have been closed without my permission

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 2023-10-06 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: 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. 

1

5 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 explanation
Consumer complaint received 2023-10-06 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:
I never gave written authorization to have my credit pulled from these agencies.

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 2023-10-06 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:
I never gave written authorization to have my credit pulled from these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
The following accounts on my credit report are not mine : XXXX. XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: AR

Complaint narrative:
I have unauthorized inquiries, addresses, and names on my credit report from Experian I did not give any authorization to furnish on my credit report. Please block and delete the following inquiries, extra names, and addresses from my credit report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Names : 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 My real government name is XXXX XXXX XXXX 
My accurate address is XXXX XXXX XXXX. XXXX XXXX, AR 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I made my final lease payment in XXXX and I had the option to purchase the vehicle at the end of the lease. My wife asked the XXXX rep about receiving the title to the vehicle and they could not give her an answer. I signed a contract with XXXX XXXX and XXXX XXXX XXXX and they can vouch that I have made all payments on time. I just dont know who is going to sign the title over after I send them the payoff. Apparently XXXX was reporting the final payoff as part of my regular lease payments which is not correct. I need to know who to send the agreed upon payoff to and they need to fix my credit report. I have worked hard to get my score into the XXXX now Im lower than where I started 4 years ago.

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 2023-10-06 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, LVNV FUNDINGS LLC I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXXXX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by LVNV FUNDINGS LLC. Furthermore LVNV FUNDING LLC has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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:
I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXXXX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX.XX/XX/XXXXXXXX. Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXX XX/XX/XXXX Account # : 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 2023-10-06 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bull City Financial Solutions, Inc
State: KY

Complaint narrative:
Bull City Collection Agency has placed a claim against my credit report ( XXXX XXXX XXXX XXXX ) for not making payment to XXXX XXXX in XXXX XXXX. I found this out as I was trying to buy a new vehicle and was declined the loan due to poor credit - my credit has declined from XXXX to XXXX I called Bull City Collection to find out more and they provided me with an account number, I called XXXX XXXX to find out why they placed a claim against me, they ( XXXX XXXX ) told me the account number I provided does not match my personal information. 

Again I called Bull City collection Back and informed them of the account number not being associated with my personal info or social. Bull City hung up on me and putting me on hold for XXXX. 

Having access to 2 phones I was able to get both Bull City Collection and XXXX XXXX on speaker talking to each other, XXXX from XXXX XXXX was very helpful in confirming account number provided in Bull City Collection claim did not match my personal info nor social Bull City Collection still has not removed this claim from the credit bureau and is refusing, as they claim only XXXX XXXX can reverse this claim. Conversely XXXX XXXX responded with : the claim has been submitted ( to a different person ) and unfortunately we don't have the option to undo anything I have proof of my own utility bills going as far back as XXXX which I will be attaching to this submission - The system is failing when its so easy to put claims on one 's credit report without even notifying them, yet its near impossible to reverse even though both parties agree they have the wrong identity on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: AL

Complaint narrative:
XX/XX/2023 {$870.00} Was taken out of my account not by 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 2023-10-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank located in XXXX and XXXX show an outstanding credit balance of {$540.00} according to their records on XX/XX/XXXX. They reported that they had sent a check I have written back to them several times letting them know I never received a check XXXX. 
The bank closed my account on XX/XX/XXXX without my consent or resolution. I have tried in writing and staying on the phone to connect with them but to avail. 

Now I have a bill dated XX/XX/XXXX saying I owe the money. Ridiculous.

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 2023-10-06 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:
Since XXXX, my life has been profoundly affected by the diagnosis of multiple XXXX XXXXXXXX, followed by complications in XXXX and XXXX, exacerbated by a battle with XXXX in XXXX, which transitioned into long XXXX. These relentless XXXX  struggles have not only taken a toll on my well-being but have also significantly impacted both our personal and financial lives. The ongoing health challenges have made it impossible for me to sustain my previous level of employment and income. Consequently, our once stable financial situation has crumbled, leaving us grappling to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation