vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: CO

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-02 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: CO

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I pay my mortgage through my bank, on-line bill pay. My bank sends a check to Mr. Cooper. I paid on XXXX XXXX for XXXX payment. Because I have had so many problems w Mr. Cooper, on XX/XX/XXXX I noticed they had not processed my payment. I called and was told to pay a 2nd time, through their website to avoid late fees. I do not like paying on their website because of all the data breaches they've had but to avoid late fee, I did so. Mr. Cooper 's representative told me to stop payment on the initial check since they hadn't received it and thought it might be lost in the mail. Today XX/XX/XXXX, I get a letter stating I am getting a dishonored check fee on the payment THEY told me to stop! I could not get a person on the phone today. Automated phone service is impossible to get to a person. Had to go online and do a live chat which was took a lot of time and was not helpful at all!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Good day.! My name is XXXX XXXX and I am reporting Wells Fargo and any affiliates due to a fraudulent account being opened in my name with themI HAVE NEVER had Wells Fargo, and as such have reported this so called checking account fraudulent. Yet they will not do anything about itI have sent in ID Theft Affidavits, etc. and they STILL say they cant do anythingthis is clear fraud, and as such I am giving them this final opportunity to rectify this situation before formal litigation is bought against them and all their subsidiaries for these fraudulent actions. This is your last chance. Delete this fraudulent bank account IMMEDIATELY.!!!

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-04-02 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
XXXX giving transunion and XXXX XXXX  days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX and transunion will remove accounts removed non public accounts in XXXX days of receipt of this notice If XXXX and transunion does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on XXXX and transunion taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
XXXX giving XXXX and experian XXXX  days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation experian and XXXX will remove accounts removed non public accounts in XXXX days of receipt of this notice If experian and XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on experian and XXXX taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX/ XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-04-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit report with XXXX shows that I have student loan balances with XXXX of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from XXXX and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and Equifax continue to show the balance with XXXX. I have disputed these charges multiple times and each time my credit score seems to go lower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: LA

Complaint narrative:
My credit report with Experian shows that I have student loan balances with XXXX of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from XXXX and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while Experian and XXXX continue to show the balance with XXXX. I have disputed these charges multiple times and each time my credit score seems to go lower.

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 2024-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-02 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: SC

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.

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 2024-04-02 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I only had a week with the service and I had to do an emergency move from where i lived and where i was moving to didn't accept att so i called them to cancel the service and they told me i didnt have to pay anything that it will be cancel automatically and didnt hear from them til now so i dont know why i am being charged

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Back in XXXX of 2023 my Mortgage XXXX company Lakeview Loan Servicing notified me of a massive data breach. Ever since that time my payments are not being processed. Every month I go on line, make my payment, and then that payment is never drafted from my checking account. I call them, they tell me the issue is with an incorrect routing number on my loan account. So they update the information, remove the late fee and I have them process the payment over the phone. This has been going on for 6 months now. Every month they hit my credit report with a late payment note. Every month they charge me a late fee, and every month they tell me the issue is resolved, but it never is. Every month, twice a month I have to waste an hour on the phone with their customer service department who in the end do nothing. Now they tell me they will only accept a cashier 's check as payment. I feel at this point my only recourse is to hire a lawyer and sue.

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