vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-03 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 reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a text congratulating me on my new account and that my credit card was on the way. I knew I had not opened an account, so I called Bank of America and reported the fraud. They said they would close the account and start a fraud investigation. On XX/XX/XXXX I called to get something in writing saying the account had been closed and to try to get copies of the application used to open the account. I was passed to three different people before XXXX in Tennessee said she would send a letter confirming the account was closed and a copy of the application. I got the letter but not the application, so I called again on XX/XX/XXXX this time XXXX told me I needed to send a notarized FACT Act Request Form to get the credit card application. She sent me the form and I returned it Notarized on XX/XX/XXXX. On XX/XX/XXXX i called and was told it was in process and to check back in a few days. On XX/XX/XXXX I called again, and XXXX told me I should have it in 7-10 days. On XX/XX/XXXX I called again, and XXXX told me to call back in 5 days. XX/XX/XXXX I called again, and XXXX told me it had been mailed on XX/XX/XXXX. today I received another blank FACT Act Request Form to fill out. I think 6 months is sufficient time for them to supply me with the fraudulent application.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accts appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: OH

Complaint narrative:
They have a bankruptcy on my report and I got a letter from my states saying they don't report to no credit bureau and I want it removed 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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IN

Complaint narrative:
Mohela reported that through PSLF loan forgiveness that my student loans were forgiven. The report I got said credit back to XX/XX/2022 however they were just discharged in XXXX reported that I had XXXX of XXXX needed. 

I have been waiting for them to update the 3 credit Bureaus that $ XXXX in school loans have been forgiven, however my credit reports don't reflect it. I want the process expedited. I have read stories of people waiting 3 months or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: 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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Account number XXXX Company name : Wells Fargo I am writing to urgently file a formal complaint regarding the ongoing inaccurate reporting of my credit information, despite the conclusion of a class action lawsuit against Wells Fargo on XX/XX/XXXX in which the plaintiffs one the class action lawsuit against Wells Fargo. As a result thedeficiency balances, and trade lines of all the parties involved in the class action lawsuit should be removed. It is imperative that immediate action is taken to rectify this situation as it is severely impacting my ability to secure new employment opportunities and maintain financial stability. Despite the completion of the lawsuit, my credit reports continue to display trade lines associated with Wells Fargo, along with outdated information regarding deficiency balances. This persistent misinformation is not only erroneous but also unjustly hindering my efforts to advance professionally and provide for my family.In accordance with the Fair Credit Reporting Act, I demand that all inaccurate and obsolete information related to Wells Fargo be promptly removed from my credit profile. This includes the complete removal of the Wells Fargo trade line and any associated data, as it is imperative to restore the accuracy and integrity of my credit history.The repercussions of these inaccuracies extend far beyond mere inconvenience. They are actively impeding my ability to secure employment, meet financial obligations, and pursue opportunities for personal and professional growth. Time is of the essence in resolving this matter, as every passing day further exacerbates the adverse impact on my life and livelihood .I urge the Consumer Financial Protection Bureau to expedite an investigation into this issue and take immediate corrective action to ensure compliance with federal laws governing fair credit reporting. Furthermore, I request assistance in mitigating the harmful effects that these inaccuracies have had on my financial well-being.I implore you to recognize the urgency of this situation and provide swift resolution to alleviate the unjust burden placed upon me. Your attention and intervention in this matter are crucial in restoring fairness and accuracy to my credit reports.Thank you for your prompt attention to this urgent matter. I await your swift response and resolution.

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 2024-04-03 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:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Apelles, LLC
State: MS

Complaint narrative:
I got a local number calling me saying they are representing a company asking me confidential information about me saying they was a particular agency and when I called back they were not the agency they claimed to be making false and misleading information in order to get confidential information about a person this company is misrepresenting themselves as if they are an agency but when you call back they answer the phone as another agency committing deceptive tactics to get information they do not have they are using deceptive tactics in order to get confidential information about the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below : 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 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 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
I'm currently selling my home and the mortgage company they buyers selected is Better Mortgage. The issue first started when they didn't send a licensed appraiser to my home they sent a realtor who was a data gatherer. This person incorrectly measured my home by almost XXXX when this was brough to their attention by my realtor by sending them the build information and the home apprasial when I purchased the home they argued that the data gatherer was correct with his laser measurments. The buyer then asked them to send a licensed appraiser out and they told the buyer why are they fighting the issue they are getting the house for them much cheaper. They finally sent an appraiser out who then came back 100sqft off and they then said they would update the square feet but not the price it would have to be purchased at the same price. They buyer told them it was not correct the price was per sqft and they said they would lower the first price to make the sqft match. This company need to be looked into they seem to do thing to devalue homes in favor of the their customers. Below is the people we dealt with. 

Lender : Ally Power By Better Loan Officer : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.

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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
For the last XXXX weeks, XXXX XXXX XXXX has been claiming I owe a debt for unpaid furniture bills for over {$1000.00}. They continue to call my family members even after they have asked them to stop. They call continuously at all hours of the day. They had called in the past but ceased to call for over a year and a half and have just started calling again repeatedly. I have not been given any proof that I still owe a debt and their business practices are becoming harassing and unacceptable. 

They constantly ask for credit card numbers over the phone which I have refused to do every time. Their tone becomes extremely rude and aggressive after I refuse to give personal information over the phone. 

XXXX & XXXX are specifically the harassing and rude callers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I have purchased {$1400.00} worth of furniture from XXXX by using their XXXX issued by Synchrony Bank. With this credit card, they promise to give 10 % reward dollars for your purchase. A year passed, and I haven't received any of my reward dollars. 

I tried to contact the bank and resolve this issue in XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that request is made and I should be receiving them in a couple billing cycles. 

Today, XX/XX/XXXX, I was contacted telling me that I selected promotional financing option instead of reward dollars and they can not date back a year ago. 

Their mistake is reflected on me as my mistake now.

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 2024-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/2024 I attempted to make a transfer from this savings account to my checking account. The transfer was blocked with the instruction to call the bank. When I called, they informed that the account was frozen because of some undisclosed issue with my joint account holder ( my spouse ). 
On XX/XX/2024 both myself and the joint account holder called the bank. The bank then said they could not verfiy the identity of my spouse because " her phone number is not registered to her ''. Both of our phones are on a family plan and the plan is billed to me. The bank refused to deal with us further and said only that they would open a ticket and call us back within three days. The bank refused to give us even a ticket number. 
On XX/XX/2024 we called the bank again as we had not been contacted. The bank again they would contact us within three more days and refused to answer any questions or discuss the problem further. 
As of this writing, XX/XX/2024, the bank has not contacted us in any way, we still have no idea what the supposed issue is, and the account is completely frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
Despite multiple attempts to resolve this matter and request a thorough investigation, the credit bureau has consistently verified the account without providing substantial evidence or conducting a comprehensive review. 

I have raised this issue with the credit bureau on numerous occasions, and each time, the response I receive is that the account has been verified with a last update as of XX/XX/2021. However, this verification lacks transparency as it fails to provide specific details or documentation proving the validity of the reported account. 

Moreover, I personally contacted representatives from XXXX XXXX XXXX who have informed me that they do not have any record of an account associated with my name or information. Therefore, it is perplexing how an account can be reported as mine without proper validation or confirmation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there was some fraudulent accounts 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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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