vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-02-29 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My bank sent a bank issued check for my XXXX mortgage payment in the amount of {$800.00}. My servicing company Shellpoint received the check on XX/XX/year> and cashed the check on XXXX XXXX. They are claiming the check was NSF and resubmitted the same check on XX/XX/XXXX and it was then marked " refer to maker '' I contacted my bank and they provided me with a copy of the front and back of the check cashed. With the " for deposit only '' stamp XXXX XXXX. Altho we have provided proof they cashed the check they still deny it. I have the trace # that I also provided to my servicing company. My bank says the check was never returned. I have spent many hours going back and forth with my bank who has been very cooperative and helpful in every way. Shellpoint has only repeated what they have claimed since XXXX. We now have late fees and is about to be a 6 month default on our credit. I have made a complaint to the XXXX  back in XXXX. I have filed a complaint with XXXX XXXX XXXX XXXX 2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Greetings ; I was the victim of a fraud/scam and my Wells Fargo checking account was depleted. Wells Fargo refuses to take responsibility ( though representatives have apologized for the bank 's failure to protect me from fraud ). Below please see my most recent letter to Wells Fargo which gives a detailed description of what happened and explains why the funds should be restored to my account. I would appreciate any help you can provide. I need to recover my {$7000.00}. I am retired and living on a fixed income. Thank you, XXXX XXXX Wells Fargo leadership ; As a long-time, loyal customer of Wells Fargo , I am greatly disappointed about your denial of protecting me from an obvious fraud on my account. Again- for your information, please note the following : * My name is : * Wells Fargo case number : * Account number ending in : * The bank permitted an unauthorized fund transfer of {$7000.00} on XX/XX/2024. I reported this issue to XXXX on XX/XX/2024. I met on that morning with the XXXX XXXX branch XXXX, XXXX XXXX. 

As I previously explained in writing, the fraudsters had hacked into my account and fraudulently set up an unauthorized electronic fund transfer. They used a Wells Fargo phone number ( the XXXX on my debit card ) to communicate to me as allegedly Wells Fargo employees to convince me that I was approving a recall of a funds transfer. To be clear, I never knowingly approved any funds transfer in this matter as your letter indicates. The approval was only to recall a funds transfer. 

My understanding is that under the XXXX XXXX any electronic fund transfer initiated from my account other than by me is an unauthorized electronic fund transfer - even if I was fraudulently induced to approve a recall of a transfer. 

As I reported this unauthorized funds transfer within XXXX days, my account should be credited in full ( net of {$50.00} ). 

Also, please provide to me all documents used to deny my claim as required under the XXXX act. 

Let me know when there is a convenient time to have a follow up call to discuss restoring the funds to my account. 

Best wishes, 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 2024-02-29 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: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-29 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-29 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/24 Nordstrom Rack reported to XXXX, XXXX, and XXXX a 1 time late payment and my score decreased XXXX points with XXXX, XXXX points with XXXX, and XXXX points with XXXX. This was a big hit on my credit score. In XXXX, several of my creditors rechecked my credit score and as a result my account balances have been lowered on the following accounts : XXXX XXXX, Nordstrom Rack, and XXXX. Then my credit took another hit with each creditor because my credit limits decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I wrote to the creditors listed below, demanding an investigation into issues I believed were erroneous and falsely reported. To far, I have not got an answer. I feel this is not just a stall tactic on their part to allow an additional XXXX days to comply with my original request, but also a blatant breach of 15 U.S. Code 1681i - Procedure in case of disputed correctness.

Your credit reporting agency has been reporting erroneous and incomplete account information on my credit report. I am concerned that the aforementioned erroneous accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit information they provide and may be held accountable under 15 U.S.C. 1692g debt validation.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Spoke with XXXX XXXX in regards to payment - payment is on autopayment however account glitched per rep and no payment was made. In the event spoke with representative payment and late payment was removed per 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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC
State: CA

Complaint narrative:
The Complaint company did not honor an existing account status when they bought the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-29 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: MN

Complaint narrative:
This complaint is in response to FOX COLLECTION CENTER regarding an alleged debt per CFPB complaint XXXX. The debt collection company did not address the issues that were brought forth directly. In fact, they brushed it off carelessly. Negligence is also abuse. I did not receive any documentation from FOX COLLECTION CENTER as they stated in the initial complaint. The have failed to communicate to mitigate the issue regarding violations that were brought forth in the complaint. They have become a nuisance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WY

Complaint narrative:
MOHELA has an ongoing failure to provide billing statements in a timely manner. They failed to send me a billing statement in XXXX, prompting a 3 month forbearance. In XXXX, I called them when my due date was less than 21 days away, and I was told on the phone that I needed to submit a request to receive billing statements every month as it was an opt-in program. The customer service representative told me that she was submitting that request for me. MOHELA did not send me a billing statement in XXXX at all, despite taking an automatic payment from my bank account. On XX/XX/XXXX, I sent a message through the secure online portal notifying them that they had once again failed to bill me 21 days before my due day, and asked for an explanation of what they are doing to ensure I receive future billing statements in a timely manner. MOHELA responded to this message on XX/XX/XXXX and told me I needed to call their customer service line to resolve this. I responded on XX/XX/XXXX telling them that I do not have time to spend hours on hold to speak to a representative, and based on my prior experiences with their customer service seemingly lying, I asked for a written response to my concerns. On XX/XX/XXXX, I received a billing statement for a payment due XX/XX/XXXX. On XX/XX/XXXX, MOHELA responded to my last message an said : " Our records indicate that a billing statement has been processed and sent to the address on file effectively XX/XX/XXXX. '' I replied again confirming that I received that billing statement for XXXX, but I STILL have not received one for the XXXX payment that they took. I once again requested a billing statement for the payment allegedly due on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in federal violation of my consumer rights. 

They are showing my late payment history incorrectly. The XXXX account in dispute is showing wrong late payment dates and not showing all payment dates, The first late payment is in XXXX of 2017 and NOT XXXX as showing on my experience report. 

I have tried Multiple times to get experian to do the right thing and comply with federal law. 

I am now attaching FROM XXXX, the ACTUAL LEGALLY CORRECT payment history of the account to show that Experian is lax and unprofessional and now legally bound to delete the account in dispute.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit reporting agencies or not properly reporting my correct personal information I would like them to properly report the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Nv XXXX Mailing address : XXXX XXXX XXXX XXXX, Nv 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The account detailed in tbe attachments isnt mine. XXXX just completed an investigation of this account and results had it removed. 

The credit XXXX account this account is tied to never existed cause I cought it immediately notifying them I didnt open this account which is why there no documentation showing the card was ever mailed out when I search accounts tied to my social with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-02-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a victim of fraud on my credit card. I found out after going though my account history on merchant apps and found a discrepancy between my my account and the service order history. These charges were unauthorized and are fraud, I put in a dispute with capital one 's Fraud department. I had received a letter for a investigation being opened on XX/XX/XXXX then received a letter 2 hours later saying I lost the investigation and the claim is close. MIND YOU I NEVER MADE THESE TRANSACTIONS, and credit cards are by the Fair Credit Reporting ACT have 0 liability [ 15 U.S.C. 1681i ]. I don't know what kinda investigation can happen in 2 hours but clearly not a reliable one. Today I spoke to a customer rep about the issue and the rep informed me that, they will not be reopening the case. And, when I asked for the evidence to support that the transaction would be done by me they ignored me. These are to violations to my rights, as reinvestigation is required by law, and I also am entitled to the evidence that allowed the determination of my claim. Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
I have sent multiple letters to this company regarding reporting derogatory items on my credit report. In accordance with the fair credit reporting act the credit bureaus has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give written consent or permission.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose ( XXXX XXXX XXXX account ).

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