vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — VA 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: VA

Complaint narrative:
On XX/XX/XXXX I submitted an application for loss mitigation for my home. Over the last three months I have sent in all requested documents. On XX/XX/XXXX I called to ask about the status of my request. The agent informed me that the profit and loss statement submitted ( my husband is a XXXX ) was only for two months and the underwriter has asked for corrected profit and loss statement that covered XXXX XXXX XXXX The updated profit and loss statement was emailed on XX/XX/XXXX. On XX/XX/XXXX I was informed the underwriter required XXXX and XXXX bank statements for myself and my spouse along with a copy of my child support order. On XX/XX/XXXX I emailed my XXXX and XXXX bank statements along with a copy of my child support order. On XX/XX/XXXX, I emailed my husband 's XXXX and XXXX bank statements along with my bank statements again to reflect proof of child support deposits. After this the portal showed my package was under review. On XX/XX/XXXX, I looked in the portal and noticed that there was a request again for paystubs due on XX/XX/XXXX. I submitted the paystubs via the portal and the next message was my hardship application was closed. I called XXXX on XX/XX/XXXX and was informed that they needed updated paystubs for me and that my review was still open. On XX/XX/XXXX I emailed over my paystubs going from XXXX XXXX XXXX I was assured again that this was all that was needed. On XX/XX/XXXX I get a notification that my home is in active foreclosure and XXXX closed their review on XX/XX/XXXX. When I called I was informed it was because I did not submit paystubs for my husband. My husband is self-employed and XXXX is aware of that. The loss mitigation application is marked that he is self-employed, we included our tax returns with the schedule C form ( at XXXX 's request ), we also included the profit and loss statement ( at XXXX 's XXXX ) and the bank statements showing where his pay from work with a company is deposited ( also a XXXX 's request ). When I spoke to XXXX different agents it appears that the underwriter is under the impression that my husband is a XXXX employee despite it being notated several times that he is a XXXX employee.

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 2024-05-07 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: CO

Complaint narrative:
Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. 

My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notifi

ed ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. This letter serves as a formal demand for the immediate i
nvestigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance.

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CO

Complaint narrative:
Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts w
ith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notified ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. 

This letter serves as a formal demand for the immediate investigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance. 

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, 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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mortgage Research Center, LLC
State: AZ

Complaint narrative:
I am absolutely disgusted with the handling of a loan application by XXXX XXXX. Yesterday I was mislead by a loan XXXX who told me I had a mortgage in my name in Texas, which prompted HUGE concern considering I've never owned property in Texas and I only have XXXX mortgage in my name. XXXX, I believe was his name, told me " Well, at least they're paying on time ''. This caused a frantic leave from my work to get to the bottom of why there were XXXX mortgages in my name. After calling my credit monitoring company, the credit company XXXX pulled ( XXXX ), my current mortgage company, and cross referencing all three credit bureaus. It turned out to be a " missread '' on my credit report so I called back to correct their mistake and XXXX proceeded to double-down that he was certain I currently had XXXX mortgages on my credit report, my current in Arizona and XXXX in Texas. I escalated the issue to a customer complaint representative ( XXXX XXXX ) who, today, put me with an equally incompetent loan XXXX who couldn't understand my frustration with yesterday and completely disrespected the fact I had hearing loss and was offended by the tone I speak, without the help of my aid. I reached back out to XXXX XXXX the " client advocate '' who has refused several times on the phone call today to escalate the issue. He claims it stops at him. This is a direct violation of several laws. I want all calls pulled from yesterday XX/XX/year> and today XX/XX/year> reviewed, reviewed, my issue escalated and a call from a XXXX who has reviewed said calls and has a solution.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying for XXXX years to reset and get access to my Experian acct I have register and have sent messages via Experian XXXX works a with no result at this point the info on my credit report is incorrect and I am unable to log in to my Experian acct.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am writing to address a concerning matter regarding my credit file. I recently discovered a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I am filing this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called XX/XX/XXXX to ask why I received an email stating that my Chase checking account is restricted and will be closed soon and when speaking to a representative, they stated that they show that my account will be closed in the next 10 business days and that I cant really do anything about it. They also stated that they could not give me any reason on why it was being closed. I requested to speak to a supervisor and the supervisor said the same thing and that they could not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: SC

Complaint narrative:
Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid in series of transactions within a short period of time in XXXX XXXX. Part of the this amount, or USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were initiated through my account with WELLS FARGO. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. On XXXX WELLS FARGO responded to me, but they failed to compensate me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 2024-05-07 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief