vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, Subject : Formal Complaint Against M & T Bank for Unauthorized Debits and Overdrawn Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint against [ Bank Name ] regarding unauthorized debits made to my account, resulting in my account being unlawfully overdrawn. 

I discovered an unauthorized transactions of XXXX debited from my account without my consent or prior notice. These transactions have caused my account balance to become negative, which has resulted in additional fees and penalties. 

I have attempted to resolve this matter directly with M & T Bank without success. Despite my efforts to seek clarification and a resolution, I have not received adequate assistance or a satisfactory explanation regarding these unauthorized debits. 

I hereby request your intervention to investigate this issue thoroughly and ensure that [ Bank Name ] rectifies the unauthorized debits and refunds any associated fees and penalties. I also urge the Consumer Financial Protection Bureau to hold M & T Bank accountable for their actions and ensure that appropriate measures are taken to prevent similar incidents in the future. 


I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue swiftly. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX -- - Ensure to enclose any relevant documents such as bank statements or correspondence with the bank to support your complaint. This helps the Consumer Financial Protection Bureau investigate and address your concerns effectively.

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 2024-07-01 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is alleging a few things. 

XXXX. The mortgage of XXXX XXXX XXXX was not reaffirmed in XXXX after a XXXX filing that was supported by a homestead deed of exemption signed by XXXX XXXX XXXX and evidence of no delinquency in mortgage. 

XXXX. Wells Fargo is not responsible for the conduct of the states XXXX of XXXX ( State of Virginia or otherwise ) that decides to revoke a person 's license because they refuse to give up their property or to take up the matter as a method to deny reinstatement. 

XXXX. Wells Fargo is alleging that the Substitute trustee or trustee has the right to convey property per the contract but has not provided XXXX XXXX XXXX with a copy of such. 

XXXX. Wells Fargo is alleging not receiving money from XXXX XXXX XXXX I guess since XXXX when the XXXX  case closed but a payment history refutes that information and XXXX XXXX XXXX specifically filed another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA in XXXX when the U.S. XXXX Court refused to return monies she paid in court because they distributed those funds to her attorney and Wells Fargo XXXX Wells Fargo refused XXXX return all monies misapproprated and not applied to the account of XXXX XXXX XXXX XXXX and XXXX Bank denied having anything to do with the money paid inside and outside of the U.S. Bankruptcy Court , to Wells Fargo or the escrow account of XXXX XXXX XXXX which is the duty of a trustee. 

XXXX. Wells Fargo asserts that XXXX XXXX XXXX had approximately XXXX in assets when she applied for a mortgage and it is assumes that it includes the land but Wells Fargo is denying XXXX XXXX XXXX the right to her property along with others such as the XXXX XXXX XXXX XXXX, state or local courts, etc.

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 2024-07-01 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: CA

Complaint narrative:
I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
Transunion reporting fraudulent hard inquiries- XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX reporting fraudulent hard inquiries 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 2024-07-01 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: GA

Complaint narrative:
XXXX reporting fraudulent hard inquiries- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Experian reporting fraudulent hard inquiries 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: KEYCORP
State: NY

Complaint narrative:
Unauthorized inquiries and accounts were previously deleted is on my credit report without my consent. I was denied credit due to this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
To whom it may concern : Regarding XXXX or XXXX or whomever is doing this. 
Regarding my XXXX XXXXXXXX XXXX XXXXXXXX XXXX There are XXXX ( XXXX ) accidents being attributed to my vehicle that I own. There actually ARE XXXX accidents in my claims history, but NEITHER belong to the vehicle I am driving. I drive a XXXX XXXX XXXX. it is the only car that I own. 
The XXXX accidents attributed to my vehicle are being incorrectly reported. 
The first, in XXXX my previous car was in an accident and I was held responsible. The car, a XXXX XXXX, was XXXX and XXXX XXXX paid the claim. 
The second, and I am not sure of the exact date, I had a joint policy ( which has been cancelled for at least XXXX  years, with my boyfriend with whom I reside, he had a car accident on his XXXX XXXX. Because I reside with him and we had a joint insurance policy, I was attributed with this accident and XXXX XXXX paid the claim. Neither accident is actually attributed to the car that I drive. Because the XXXX accidents are being attributed to my XXXX report, or insurance information, or XXXX or somehow, it has dropped the value of my car by XXXX XXXX dollars. It made my property tax go down but if I get in an accident, it will no longer be a correct value of my car. 
Thank you very much for any assistance you may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: AZ

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-01 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-07-01 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
I utilized Experian 's program " Experian Boost '' which allows you to add self-reported accounts to your credit report. On XX/XX/year>, I terminated my use of the program and requested all self-reported accounts be removed. All accounts were removed except one : XXXX XXXX ( XXXX ). Today, I called to ask it be removed since it has been more than 60 days since I asked the account be removed. I was told Experian does not " have the tools '' to remove the account and that I should wait another 30 days to see if it is removed in the " next update ''. This is unacceptable. I requested this removal over two months ago and the answer provided did not include reassurance the removal would in fact occur in the next 30 days.

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 2024-07-01 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:
i noticed fraudulent inquires on my report 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 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments XXXX XXXX XXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my XXXX XXXX  XXXX, filed in XXXX XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX XXXX I advised the lender/servicer that I am aware that XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> and XXXXXXXXXXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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