vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Hi.XXXX XXXX there are unknown inquiries on my report that I did not apply for, upon trying to resolve they remain on my report I currently have a block and security measures on all credit bureaus, granted these inquiries are not performed by me. 

I have also file a complaint with the PENNSYLVANIA ATTORNEY GENERAL DUE TO DUPLICATE FALSE INFORMATION ON MY REPORT ON ALL THREE BUREAUS 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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chexsystems furnished an inquiry without my written authorization, I stated in the first compliant if Chex systems can not provide documentation of me giving written authorization for this inquiry to be furnished then they must delete/ remove from my report. 

Check systems instead wants to put the inquiry in inquires only viewed by me, and that it will no longer be in viewed by others. 

Chex systems violated my privacy rights and broke the FRCA law of permissible purpose. And now Chex systems is even breaking the law even more not following my demands that I want the inquiry to be deleted/ removed from 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given EXPERIAN, XXXX, or XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to EXPERIAN, XXXX, or XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Home Mortgage I was given a loan modification in XXXX when I was laid off and Wells Fargo applied a deferred principle balance of {$27000.00} to my loan and added {$4500.00} to my original mortgage. This raised my mortgage to {$110000.00} for a house that is only worth {$65000.00}, because of this I have to continue paying PMI insurance. A couple of years after this, I received letters from THREE DIFFERENT Home preservation specialists from Wells Fargo stating that I requested another loan modification. I DID NOT. 

They sent me a letter XX/XX/XXXX telling me that I qualified to have my PMI insurance stopped and when I called to asked about removing the insurance they sold my mortgage to XXXXXXXX XXXX. It still has the {$27000.00} deferred principle balance on my loan and Im still paying PMI insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc.
State: NC

Complaint narrative:
My XXXX card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX  account, XXXX account, After pay account, XXXX  account, XXXX bank account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on XXXX using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through XXXX and After pay. This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity bank has been calling me from unknown numbers 7 times a day throughout this week since my payment became late on XX/XX/2023. I asked them to not call me excessively and that late into the evening, and they stated that they are allowed to call as many times as they want as long as its between XXXX and XXXX and insisted on that when I repeatedly asked to not be called excessively as it feels like harassment. I have missed calls for job interviews due to avoiding the phone because of their excessive calling from unknown and random numbers. They do not even verify that Im the right person when they call, just ask for my first name and go straight to demanding payment. I told them that I would pay the bill as soon as Im able on my next pay day, but they were at that point still insisting that they would call as much as they wanted to. They only relented and said they would stop when I said I would seek legal help with this is they did not stop. The amount owed is less than {$100.00}, I should not have to deal with days of harassment and rude phone calls when I am already agreeing to pay the debt as soon as Im able and kindly requested not to be contacted excessively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
Sage Stream sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX letting them know that the dates on the last statement I received are incorrect. XXXXXXXX XXXX charge me for bills at a property I wasn't residing at. I moved out on XX/XX/XXXX, my eviction was scheduled for XX/XX/XXXX, XXXX XXXX has me moving out XX/XX/XXXX charging me XXXX in bills I wasn't using. This is unacceptable and unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
The accounts that I am describing is a checking account, and a saving account to different end numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 2 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
There is an account on my credit file that is preventing me from refinancing my mortgage and purchasing a new car despite REPEATED disputes and communication with the company that they account and transactions were a product of identity theft. The company has refused to follow the laws under the FCRA and FDCAP in multiple negligent and willful violations however to avoid going the litigation route and seeking monetary compensation as afforded to me under the law I am trying one more time to get this account deleted with this complaint. The account in question is : Name : Midland Credit Management Account : XXXX Account Type : Open Account [ XXXX XXXX ] | Installment [ XXXX ] Account Type Detail : Open Account [ XXXX XXXX ] | Debt Buyer [ XXXX ] Bureau Code : Individual Date Opened : XX/XX/XXXX Balance : {$6100.00} High Credit : {$6100.00} Last Reported : XX/XX/XXXX Comments : Placed for Collection Date Last Active : XX/XX/XXXX [ XXXX XXXX ] | XX/XX/XXXX Despite the fact that there are clear discrepancies in the data between the three major credit bureaus the fact that Midland has completely ignored and disregarded the identity theft reports that have submitted in writing and verbal communication that this account is being disputed and no where is there any listing of the account being under dispute is a violation 15 U.S. Code 1681s-2 further its a violation of 15 U.S. Code 1681e ( b ) and for Midland 's refusal to comply under 15 U.S. Code 1681n and 15 U.S. Code 1681o. Further they violated my rights under 15 U.S. Code 1681n ( b ) ( B ) as they obtained my consumer report under false pretenses and knowingly without permissible purpose.

Pursuant to 15 U.S. Code 1681a ( 3 ) these accounts should have been removed from report immediately after the FTC reports ( yes I have submitted Identity Theft reports ) were submitted to substantiate the identity theft claim. Midland has claimed that I needed to fill out their form and get a police report however we both this is not only a stall tactic but goes against what the federal law requires when disputing an account under identity theft. This entire process has been beyond stressful and infuriating as this is demeaning my character and I have been harassed about paying a debt that is not mine further violating my rights under the FDCPA. I have attached the reports that have been submitted and hope that being forced into the light instead of being able to hide in the shadows with their blatant disregard for the laws that they KNOW they are required to follow will put an end to this nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Source, XXXX XXXX Account # XXXX This company is in violation of my rights and this account should be removed immediately XXXX XXXX XXXX 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. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation