vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX and I am making a complaint so yall can turn off all the alerts on the account so I can stop receiving emails from yall my account email is XXXX and do it to my son XXXX XXXX or XXXX XXXX account as well his email is XXXX and turn all the alerts on his account as well so he dont get no more emails from yall too we are on both accounts together listed as jointly account his ssn is XXXX and my is XXXX XXXX turn off all alerts for account ending in XXXX and do it as well for account ending in XXXX turn all alerts for that account too and card number is XXXX XXXX XXXX XXXX valid thru XX/XX/year> and cvv XXXX and also remove both emails from the account too for me and my son XXXX XXXX or XXXX XXXX XXXX and for me XXXX XXXX XXXX My name is XXXX XXXX XXXX and contact me at 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 2024-09-05 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: CA

Complaint narrative:
Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 

XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>

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 2024-09-05 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: CA

Complaint narrative:
Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 

XXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX, I reached out to Freedom Mortgage, my lender for the mortgage of my home to begin a process to re-appraise my home in an effort to remove my PMI. During this phone call with Freedom Mortgage, they agreed that the next step if I want to remove my PMI is to set a time with an appraisal service of their choosing ( XXXX XXXX XXXX XXXX ) and if my new appraisal is high enough in value, then my PMI may be removed. 

The same day, I reached out to XXXX XXXX XXXX XXXX, who submitted a request to a customer representative of Freedom Mortgage ( XXXX XXXX ) who processed the request. I proceeded to pay {$460.00} to get my home appraised. The home was appraised on XX/XX/XXXX. 

On XX/XX/XXXX, I received an appraisal value from XXXX XXXX solution at a value that will be more than enough to remove my PMI. So I called Freedom Mortgage that same day and through a long discussion they then stated that they can not remove my PMI until I have had my loan for 2 years, which they have never mentioned before as can be confirmed by our record phone calls ( XX/XX/XXXX would be the official 2 year mark ). Additionally, that same day at the end of at least a one hour conversation, the freedom mortgage representative said she will reach out to the " higher ups '' who will give me a phone call to discuss this further within 72 hours, which they never did. So now I have not only not been able to get my PMI removed, but I have spent {$460.00} on an appraisal that is pretty much useless to me. 

At this time, I have enough principal balance/equity to reach a value of less than 78 % of my home worth. I have never made any late payments to the mortgage company. In addition, each month I pay additional principal for the sole goal of removing my PMI which is a significant burden to my financial income. 

I hope by filing a complaint to CFPB, Freedom Mortgage will remove my PMI.

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 2024-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
Carrington Mortgage Services ( CMS ) has capability on BOTH their App & Website to pay ahead and/or pay off escrow accounts, I paid EXTRA and they DIDN'T APPLY IT TO MY ESCROW ACCOUNT AND SENT BACK A " SURPLUS CHECK ''! JUST ANOTHER PREDATOR LOAN TACTIC IN ORDER TO KEEP CUSTOMER FROM PAYING ESCROW ACCOUNT AHEAD AND LOWER INTEREST AND/OR MONTHLY MORTGAGE PAYMENTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: INDEPENDENT BANK CORP.
State: RI

Complaint narrative:
I received a letter from XXXX XXXX XXXX, Senior Vice President, Information Security XXXX of my bank, Rockland Trust, informing me that personal information regarding my Rockland Trust Bill Pay account 'was inadvertently shared with an unaffiliated third-party financial institution by our vendor that processes bill pay transactions. ' The letter states that my name, address, email, bill pay ID, member ID, social security number and funding account numbers have been compromised. The letter states that there was an 'operational incident that exposed some of your personal information on XX/XX/year>. ' The letter is dated XXXX, XXXX, XXXX. This is three-and-a-half months after the date of the incident. 

I am quite upset that my information was not protected and has been compromised/stolen for potential illicit purposes. I am scared, to be perfectly honest. I have no idea what information was taken nor do I have an idea of what the information was used for. The letter lacks quite a bit of clarity and is untimely. 

I am certain that I am one of many customers who have been impacted by this situation and would like to know if anyone would be willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-09-05 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: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-09-05 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: SC

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 explanation
Consumer complaint received 2024-09-05 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: PA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE FRADULENT ACCOUNTS ON MY CREDIT REPORTS

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 2024-09-05 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: MD

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
15 U.S. Code 1681s is a section of the Fair Credit Reporting Act ( FCRA ) that covers the enforcement of compliance with the Federal Trade Commission 's ( FTC ) requirements. The FTC can : Issue procedural rules, Require the filing of reports, Require the production of documents, Require the appearance of witnesses, and Commence civil actions against those who violate the subchapter.

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 2024-09-05 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
please remove all of this negitivate item from my credit report. its hurting my ablity to get a loan or do anything. it has effect me in such a way which i can not do anything without it.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-05 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: TX

Complaint narrative:
These are fradulent inquiries that i did not authorize. Please remove from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-05 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: MI

Complaint narrative:
My card was stolen and used by someone other than me without my permission. I called and reported the unauthorized use and was told they would be sending out paperwork for me to fill out and return. It is a XXXX XXXX XXXX with XXXX XXXX on fraudulent transactions. XXXX  Days have past and I received the new card but not the paperwork. I called customer service today and I was told that they sided against me and are not returning my stolen money. I asked XXXX or XXXX time to speak to someone who was a supervisor and was refused. The rep just kept repeating that the investigation was not in my favor and refused to allow me to speak to a supervisor. I was not even afforded the right to present my documents or proof of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report XXXX XXXX 

These discrepancies pertain specifically to my XXXX XXXX account ( XXXX XXXXXXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$190.00} as of XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** The account was originally flagged for charge-off by XXXX XXXX on XX/XX/XXXX showing on your report. The payment summary shows a charge-off starting XXXX of XXXX XXXX. I request clarification on this issue? However, this account is listed as a charge-off under your XXXX XXXX : XXXX According to Experians glossary ( XXXX ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with CRRG guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. Proof of documentation is uploaded.

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 2024-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months

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 2024-09-05 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: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation