vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My loan is in default. I had a flood in XXXX XXXX the insurance company took about XXXX weeks to pay out. once I received my check I had to send it to XXXX mortgage because it was endorsed to both of us. Carrington have another depart called loss track handling it. this was the worst experience I had been through. Carrington was supposed to initially release a portion of my funds for me to fix my house. I overnight them the check on XX/XX/XXXX XXXX which there was no point and costed my {$80.00}. I never received any communication with loss track beside me calling every week about the status of my funds. they dragged everything their excuse was it will take 5 business day to receive an answer. they didnt release my first draw because they said they needed to find out from my insurance company why did I received the check was it because of the estimate that I had sent them. all this took 4 weeks before I recieved an answer on anything. I wind up paying with my own money for the repairs and it caused me to be late on my montage again. I called and told them that I can't make my mortgage payment because I had to pay to repair my house. they keep saying to contact the loss track department. after 6 weeks I called them and told them to come and inspect m house so they can release my fund. they inform me it would take a week for someone to call and set up an inspection. a week pass and still no calls. I called lossttrack again and they kept giving me the run around saying its over the week so they will expedite it but it will another couple days before anyone can contact me. finally after two weeks an inspector called and came and inspect. I called them after a week and ask when are they releasing my funds they said it can take up to a week before the inspector send in the report. so that was another week I waited. they finally release my funds on XXXX XXXX however they have no delivery tracking. after two weeks I called today XX/XX/XXXX and right away the customer service said oh its over the allowed time of delivery so I need to make a stop payment and send a new check. I said you guys aren't going to keep dragging my funds and using. why wouldn't u overnight it or give me a tracking. he saids we don't do that you will have to wait again. I said for what another XXXX weeks for it to happen again when I know you probably never mailed it. I need to speak to a manager. they never have a manager available and never let me speak to one. they keep saying the manger will call in 4 hrs or next day but never do. they have XXXX of my funds. I'm 2 months behind. they can't certify my check but they certified letters saying I'm behind on my mortgage. carrington mortgage is a fraud and their loss track department is a fraud. they're taking advantage of innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I am filing this complaint to XXXX XXXXXXXX XXXX XXXX for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.

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 2024-10-23 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 recently was able to access my credit report for Equifax and noticed there were accounts in my name that I never authorized to open along with addresses that I never lived before. I am requesting that these items gets removed completely from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I received a threatening letter from the XXXX XXXX XXXX XXXX XXXX XXXX in regard to a debt that I am not familiar with. I attempted to clear this matter up with the law office but I truly believe that it is a fraudulent company. In the package that they sent it me it warns me not to contact the FTC or any other government agency regarding this matter. They have yet to follow up with the matter but they continue to harass me non stop via email and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) **** Personal Information for Experian NAME : XXXX XXXX XXXX The only name I go by is XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX It will ensure the database has accurate information about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a debt validation letter to Midland Credit Management requesting multiple legal docs for an alleged debt and was never provided with documents. I am requesting this random debt that does not belong to me be removed from my credit report. 

I requested that they provide the following information and documentation : Proof of Debt Ownership : Please provide a copy of the original contract or agreement that establishes the validity of the debt. This should include my signature, as well as the terms and conditions agreed upon at the time the debt was incurred. 
Detailed Account History : Provide a complete and detailed account history showing the original balance, any payments made, adjustments, and the current amount claimed. This should include itemized statements for each billing period.

Verification of Original Creditor : Provide the name and address of the original creditor and the account number they used for this debt. Please also include proof that you have been authorized to collect this debt on behalf of the original creditor.

Proof of Collection Authorization : If you are acting as a third-party collector, provide proof that you have been legally authorized to collect this debt. This could include a copy of the assignment or a notice of assignment from the original creditor.

Debt Verification Statement : Provide a written statement verifying that the debt is accurate, including the amount owed and the dates of any significant transactions related to this debt.

Legal Compliance Information : Provide details regarding your compliance with state and federal debt collection laws, including licensing information, if applicable.

Cease Collection Activities : Until this debt is properly validated, please cease all collection activities, including reporting this debt to credit bureaus, as required under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a 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 2024-10-23 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: SC

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a 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 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NJ

Complaint narrative:
My husband, XXXX XXXX, received a call from loan XXXX at XXXXMOHELA looking for my elderly mother. Decades ago, my mother cosigned student loans for my sister. My husband has never spoken one word to my sister and has absolutely nothing to do with her. She lives in another state ( IL ). My husband is not working right now because he is in treatment for stage XXXX XXXX XXXX. I know that they also tried calling my father, who has XXXX, and my stepmother, who was in the hospital at the time of the call having suffered a XXXX XXXX. None of these individuals have anything to do with my sister 's loan and are being harassed by XXXXMOHELA . My sister has communicated with them and they are aware of her financial status. They are also aware that my mother has no income other than her social security checks, which they have threatened to take. Nonetheless, they persist in harassing the most ill individuals in the family who have nothing at all to do with it. I am healthy, of sound mind, and standing at the ready to tell them to leave my family alone, but they haven't called me. At this point, I am not sure what to do. I have called them and told them to stop harassing my husband. I am reporting them to you, to the federal trade commission, and to the NJ AG 's office ( my husband and I live in NJ ). I would appreciate any assistance you are able to offer in ending their harassing calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXXXXXX My only name is XXXX XXXX. Please remove any other name you have for me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX My only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Your system must remove any address that does not match the one listed on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was victim by fraud online investment. I found a XXXX XXXX  ( XXXX ) XXXX on XXXX advertising short video that I DM him that I was interesting to join class learning how to investment work. I may believe with him I may will successfully with investment. since a month late XX/XX/year> Unfortunately I found out that he refuse give me XXXX, he try to push me hard I pay him more and more. I use XXXX to coach 's student XXXX XXXX with {$4200.00}, I decide to stop pay and block all his account XXXX, XXXX and XXXX, I head rumor He is unlicensed of business investment. I want to get my reimburse. I want bank will no decline and will refund my money

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, i received email notification from Wells Fargo Bank that an anticipated deposit was now available in my WFB checking account- '' Your deposit is available right now with Early Pay Day 1 ''. 
-On XX/XX/year>, received notification from Wells Fargo Bank that an anticipated deposit was not available in my WF checking account. A different platform, same information provided by WFB. 
-Using the online app-i saw visual confirmation that the funds from anticipated deposit, was indeed in my WF checking account. A third confirmation that the funds were available. 
-On XX/XX/year>, i paid several creditors as per my agreement with my creditors. 
-On XX/XX/year>, Wells Fargo Bank refused to pay the my creditor, though funds were available on XX/XX/year>. 
-Wells Fargo refusal had a negative affect on my reputation as a credible customer when paying my bill and promise is not honored by my bank. 
-Wells Fargo discontinued previous service of 24 Hour Overdraft Protection-its right to do so is unquestioned.

-In addition, Wells Fargo Bank is practicing unethical behavior as, though deposits are available on XXXX, it debits the accounts before crediting the account for funds that it communicated twice to the customer on two separate platform that funds area available. In my opinion, this manipulative action, is contrary to the building trust in our financial institutions-that Wells Fargo Bank has a history of tarnishing.

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