vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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:
Hello CFPB, 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 and 1682 : XXXXXXXX XXXX XXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my Rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Tried to contact the company XX/XX/XXXX. 

Email to customer service was returned- delivery failed. So this company has made customer service very difficult to reach. 

The escrow analysis for XXXX contained incorrect information. as described below. 

1 ) the XXXX Mortage insurance was {$3800.00} ( see attached ) not {$4000.00} 2 ) the Current monthly payment is {$1700.00} not {$1800.00} 3 ) the difference in escrow due is {$420.00} not {$500.00} 4 ) the new monthly amount due is incorrect even if based on the escrow due amount of {$500.00}. 

I have confirmation of the mortgage insurance but of course, this was returned along with the email.

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 2024-05-28 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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
Speaking with XXXX XXXXSupervisor of Credit Fraud Department at XXXX whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602.

The CFPBs actions to secure a {$24.00} XXXX payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Speaking with XXXX XXXXSupervisor of Credit Fraud Department at XXXX whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602.

The CFPBs actions to secure a {$24.00} XXXXXXXX payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.

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 2024-05-28 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXXXXXX that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments /ve attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 im now requesting you investigate this account and update these payments to paid on time immediately. I was in forbearance and spoke with student loans and they said no late payments should be reported to my account because of XXXX XXXXXXXX at the time as well. Thank you for your understanding and prompt action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I received a letter from XXXX XXXX that they had a data breach and gave me 2 years of coverage with XXXX. On XX/XX/XXXX there was an inquiry saying it was for Bank of America but I do not have any accounts with them or applied for any type of credit with them. XXXX told me to contact you to inform you of this activity. Below is the inquiry information. 

Alert Type : Inquiry - New Inquiry Found On : XX/XX/2024 Why am I receiving this? 
XXXX XXXX monitors your credit to detect signs of identity theft. You have a new credit inquiry on your credit report. When you apply for new credit or a loan, and the creditor/lender views your report as part of their decision-making process, it's called an inquiry. 
Additional Info Details SourceXXXX Alert XXXX Inquiry XXXX NameBANK OF AMERICA Phone XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you recognize or authorized this activity, no action is required. What if I don't recognize this activity? 

Don't worry, there are steps you can take! 

Contact the creditor - this may clear up what's happening Review your credit report for new activity Dispute the account information on your 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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a banking error on Wells Fargo with my checking account. I called the online banking customer service line and spoke with them about the matter about XXXX EST. 

The issue was that 7 days prior, I had only one transaction and that was to pay my {$96.00} XXXX  bill. I received the confirmation email from XXXX. Then I received an email from Wells Fargo confirming my " new '' avaialable balance that was approximately {$97.00} less ( than before the XXXX payment. ) So, on XX/XX/XXXX, XXXX contacted me that the payment could not go through ans advised me to contact my banking institution. I did ( as mentioned before. ) Wells Fargo rep. 's spinned me around in circles around the issue stating there was no XXXX transaction that day. She also at one point denied Wells Fargo sending me the account balance updates ( via email ). I asked well how do you explain the missing amount from the account? And multiple days of the balance calculations being off on my posted available balance? 
I had previous concerns with my available balances being off at Wells Fargo, so I asked for an official investigation of the matter. The rep. explained the process and stated once submitted, that department would send an email to me. They did- the next day, XXXX. 
The WF Line of Business/ Concerns email stating they'd look into the matter and would get in touch in 10 business days. I never heard back, so I called Wells Fargo on Tuesday, XX/XX/2024 about XXXX : XXXX. 
The rep. named XXXX stated there was no record of my calling, no case posted as I'd described and no claim listed that correspond with the emails I received. He gave no explanation for theor lack of interest in my report nor apologized for their error and refused to transfer me to whom could help me better with my important financial concerns. He stated he was in Claims and I was speaking to whom I needed to ( him. ) With no help, no investigation and no expalnation where our money was... 
I concluded that a higher up, corporate level need to be informed of these errors, dismissals and lack of interests to a long time customer. I decided to report this also to CFPB.

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 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Good morning, I'm submitting this complaint against Selene Finance as a result of their improper foreclosure actions. I have been under bankruptcy protection for 4 years now, but I was XXXX in XXXX and unable to continue making my mortgage payments. I was also continually told by XXXX that it wasn't a problem and to keep them updated as to what the status of my getting back to work is. 

I've also tried to submit documentation for a loan modification on a number of occasions, only to be told that until I'm back to work full time, no modification would be available or any other relief for that respect. Now that I'm back to work, I was planning on submitting a new modification kit to them, only to be served with a Writ of Possession from our sheriff 's office informing me that my property was sold at auction without my knowledge. 

While New Jersey does have a provision that allows for Optional Foreclosure Process, NONE of the conditions that need to be met were. 

* I have not abandoned my home * I have not signed a Deed in Lieu * There IS equity in my home I'm asking you to demand that Selene postpone the certification of sale and review this complaint. I'm also finding an attorney to assist with the filing of a XXXX XXXX, and requesting this sale be vacated. My intent will be to Cloud on Title unless Selene resolves this matter. Not only is what they've done a RESPA violation, the service and demand to vacate in 2 weeks is also - New Jersey Law instructs that homeowners are given a minimum of 90 days to vacate. Not 3 weeks.

I also submitted the Qualified Written Request for an explanation of what they've done and proof that they did so legally. Selene Finance has CONFIRMED receipt of this letter. 

Thank you in advance for your help with this and I'm available to discuss this matter anytime. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint regarding inaccuracies on my Equifax credit report ( Complaint ID : [ insert your complaint ID here ] ). 

On [ date of previous response ], I received a response from Equifax indicating that they had completed their investigation and made certain updates and deletions to my credit report. Specifically, the response stated that several items had been deleted or modified, including : Trade : XXXX XXXX XXXX - XXXX XXXX. Trade : XXXX XXXX XXXX - Deleted ( XXXX accounts Despite this response, when I checked my credit report after receiving the communication, I found that none of the mentioned items had been deleted or updated as stated. This discrepancy between Equifax 's reported actions and the actual status of my credit report is concerning and needs immediate rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-28 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I received a 'virtual " American Express prepaid card. The cardmember agreement says the card works anywhere AmEx cards are accepted but that it may not work for reservations and deposits. My card has failed to work when making a one-time payment towards my XXXX insurance bill, a one-time payment to my lawn care provider online ( they do not do recurring billing, I receive an invoice and enter my credit card every time I get a bill, it is not automated or recurring ), when trying reload my XXXX balance online, and when trying to use tap to pay in person to pay for a haircut last week. These denials are in violation of the cardmember service agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: IN

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank You! Please remove this 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN REFUSE TO PROVIDE ME WITH THE METHOD OF VERIFICATION TO THE REMOVAL OF A BANKRUPTCY ON MY REPORT. I HAVE SPOKEN WITH THE BANKRUPTCY COURT AND XXXX. AND THEY STATED EXPERIAN SHOULD NOT HAVE A BANKRUPTCY ON MY 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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was sent a bill in the mail in XXXX for this account. This was the first time I was made aware of this account. I called in XXXX to report and close the account with the bank, then called XXXX to open an investigation as well. 

I called the bank for months asking about the status of the investigation and was just told on XX/XX/XXXX that the investigation was closed and I was found responsible. They said that ID was presented at the time of purchase and that the purchases were made XXXX minutes away from my address. 

On XX/XX/XXXX, I called XXXX to re-open the investigation. 

I have been dealing with identity theft for months. I have received bills in the mail for multiple accounts I have not had any knowledge of including XXXX and XXXX. I have had credit inquiries from XXXX, XXXX XXXX XXXX, and XXXX XXXX. And, I had a XXXX XXXX credit card started in my name that I was able to get removed. 

This card is also the result of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc.
State: TN

Complaint narrative:
On XX/XX/year> I lost my debit card and had to cancel and order another card. I contacted Solo Funds and let them know that once I received my new card I would add the card to my portal and repay the loan. I remained in contact with them when they reached out to me. When the card arrived I attempted to add the card to my portal but I kept getting error messages. I called Solo left several voicemails no one returned my calls. I sent several emails and no one responded for several days. When they finally emailed me back they sent me a XXXX invoice asking me to to repay. I told them I would not pay through XXXX because I have had fraudulent charges from them in the past. I asked them could XXXX setup a payment plan and no one responded. I sent them a email three or four times with no response. I reviewed several complaints from other borrowers on the XXXX website stating that they had issue when they attempted to add a new debit card. I am not trying to get out of paying this but I need to make payments until it is paid in full

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IN

Complaint narrative:
Sent certified letter via mail, I have waited over 30 days for a method of verification, accounting information.

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 2024-05-28 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Sent certified letter via mail, I have waited over 30 days for a method of verification, accounting information.

Company response to consumer: Closed with explanation