vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Actually do a proper investigation in to the matter and quit providing falsified statements and documents since XX/XX/2014. Actually look at what I have provided through the cfpb and quit ignoring it. Actually look at cfpb # XXXX as well as all the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a way that in this case Wells Fargo Bank, steals property that was in a contract that has, a non assignment or conditions on assignment, clause in it. Wells Fargo Bank uses mergers as a method to steal property. I the buyer and the seller of property, signed a contract, with conditions on assignment. The conditions were, that the contract could be assigned, but only, if I signed and accepted the terms of the, new contract. So per the conditions of the contract the seller and me the buyer, we assigned it to a lender, XXXX XXXX XXXX XXXX had their agent, sign to agree with. all the conditions in the contract. Let 's say. XXXX XXXX is the first lender that signed, agreeing to all the conditions In the contract, then XXXX XXXXl, breaches the contract, when they are taken over by XXXX XXXX, XXXX XXXX ignores the contract, then XXXX is put out of business, and is taken over by Wells Fargo Bank. Wells Fargo Bank, claims, ownership of the original contract, the one breached contract, breached by XXXX. But Wells Fargo Bank, " makes a material change in the contract, and anybody that knows contract law, knows that when a " Material Change, is done to a contract, that not only, allows the other party to the contract, not to have to do anything more, but it makes the whole contract " void '' and this is the law in any state inthe United States Of America, if anybody wants more proof, one question, why would Wells Fargo Bank, file a law suit, not under the name, real party in interest, ( Wells Fargo Bank ) which is required in any court, but Wells Fargo Bank, claims they are now XXXX, but Wells Fargo Bank, files the case to take the property, Wells Fargo Bank, files the case under the name of XXXX, who not only was out of business at that time, but XXXX XXXX never had the, contract assigned to it. By this way of stealing property, nobody 's property is safe when Wells Fargo mergers with another company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and XXXX XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I had a bill from XXXX insurance of {$340.00} go into collections back in XX/XX/XXXX. The account was taken over by Credit Collection Services. On XX/XX/XXXX I paid and settle the debt for {$250.00} with XXXX XXXX XXXX. The company XXXX XXXX XXXX updated the account in XX/XX/XXXX as in collections but paid and settled. They continue to report the account in collections but as paid and settled still as of now. I have reached out to XXXX XXXX XXXX and they said they can not help me. I have also reached out to XXXX and filed multiple disputes but have gotten no help and no proper update on my credit report. Please help me with this matter. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium Asset Solutions originally contacted me via e-mail on XX/XX/2023 stating that I had a debt with XXXX that they were trying to collect. I acknowledge the debt since I shut off my XXXX bill after moving in the middle of a billing cycle. However, the company said I had until XX/XX/XXXX to set up arrangements or they would report it to the bureau. I reached out via their website, as suggested, on XX/XX/XXXX. It gave me a confirmation that I was good to go. It was supposed to be paid off by the time XX/XX/XXXX came around. I thought nothing of it aince it would come out of my account automatically. Today, XX/XX/XXXX, I got a notification from the bureaus that they had reported this debt to all of the credit bureaus as unsatisfactory AFTER I set up an arrangement with them. I called them to see what was going on. The first agent told me he did not see an arrangement as ever being made. The second agent, which was supposed to be the manager, told me she saw the arrangement but it was MY job to go back after I received confirmation from them to make sure THEY took the money that they were trying to collect. We went back and forth about this issue. The company was not apologetic about the error, nor did they ask to fix it, and my credit was severely affected due to their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Violation of permissible purpose, no authorization was every given for private source data to be shared with a third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's XXXX XXXX in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Student loan with navient, reporting lates on the co-signer side. But the primary shows no latest. I have reach out on several occasions about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing to formally dispute the information provided regarding the account held by XXXX XXXX XXXX, which was originally associated with XXXX XXXX XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$560.00} Balance Updated : XX/XX/2023 Status : Not Specified Past Due Amount : {$560.00} I am disputing the accuracy and validity of this account for the following reasons : Lack of Clarity : The provided account information lacks clear and comprehensive details about the nature of the debt, the transactions, and any associated terms. Without this information, it is difficult for me to verify the accuracy of the reported account. 

Timeliness of Reporting : The account was reportedly opened on XX/XX/2023, and updated in XX/XX/2023. I find it puzzling that this account could have been opened, updated, and incurred a past due amount within such a short span of time. 

Lack of Documentation : I have not received any communication or documentation from either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  regarding this alleged debt. It is imperative that I am provided with proper verification and documentation of this debt 's existence and validity. 

Discrepancy in Balance : The reported balance of {$560.00} does not correspond to any known transactions or financial activities on my part. I would appreciate a detailed breakdown of how this balance was calculated. 

Given the discrepancies and lack of substantiated information, I am requesting a thorough investigation into this matter. I kindly request that you provide me with the following : Validation of Debt : Please provide documented evidence that validates the existence and legitimacy of the debt in question. 

Detailed Account Information : Provide a comprehensive breakdown of the account activity, including any transactions, payments, and changes in status. 

Terms and Agreement : Furnish a copy of the original agreement and terms between myself and XXXX XXXX XXXX XXXX XXXX  that would support the validity of this account. 

Proof of Ownership : Demonstrate proof that XXXX XXXX XXXX has the legal authority to collect this alleged debt. 

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute and provision of the requested information is greatly appreciated. Please consider this letter as an official request for verification under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

I look forward to a timely resolution of this dispute and the subsequent correction of any inaccuracies on my credit report. Please provide all correspondence in writing to the address associated with this account. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was charged {$75.00} by XXXX XXXX XXXX in XXXX IL for a credit/background check for an apartment lease. My application was denied even though I know I passed the credit check and background check. The law states that if I am denied an apartment lease due to background check I must be told why so that I can correct the problem. XXXX refused to tell me why. I have a suspicion that the denial was because I was using a housing voucher. I have hired an attorney. In any case, the {$75.00} should be refunded to me because my application was denied and the company refused to let me fix the problem. 
I explained all of this to Bank of America when I called to dispute the charge. I was sent a letter telling me to provide documentation. There is no documentation, everything was done by phone or via XXXX application link. Furthermore, there is no mechanism to provide a written statement to BofA electronically. They are insisting on a paper copy being sent to them in the mail. I have difficulty writing. I can type, but I don't have a printer. I am XXXX and it's a real hardship for me to get to a place where I can get something printed. BofA is not willing to provide a solution for me. I have never heard of anything so antiquated. They have told me that because I can not send them a paper copy of my complaint I will have to pay the {$75.00}. One of the reasons I use credit cards is for the consumer protections. I had a dispute with XXXX a few months ago. They handled everything over the telephone. This makes me thing that BofA does not want to settle any disputes. They make it very difficult for the consumer to file the 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 monetary relief