vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am sending to formally dispute an entry on my credit report related to an account with a {$0.00} balance. The account in question is currently labeled as a charge-off, despite having been paid in full with no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

The specifics of the disputed account are as follows : 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 XXXXXXXX I have observed that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is negatively impacting my credit score and financial well-being. This misinformation is not only misleading but also has the potential to impede my access to credit and financial services when needed.

Efforts have been made on my part to rectify this situation by ensuring the account is fully paid, with no remaining balance. Consequently, reporting this account as a charge-off is unjust and misleading. I am fully compliant with my financial obligations and am entitled to an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request a prompt investigation into the accuracy and completeness of this entry. Additionally, I ask for the results of this investigation within the stipulated timeframe outlined by the Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had XXXX accounts opened on Wells Fargo and it was a checking and savings account. 
I did not open them. 
I called Wells Fargo and I asked them to close the XXXX accounts but they did not they said we can not close the accounts at this time because of some error on their end they were getting. 
I don't feel comfortable know that XXXX accounts were open without my consent or knowledge and it's frustrating.

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 2024-11-25 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

ACCOUNTS : [ Account Name : XXXX XXXX  Account # : XXXX ] [ Account Name : XXXX XXXX Account # : XXXX ] [ Account Name : XXXX XXXX Account # : XXXX ] [ Account Name : XXXX  XXXX Account # : XXXX ] Specifically, I am seeking the removal of 4 unauthorized accounts. It is essential that my credit report reflects only accurate and legitimate information. 

Additionally, my personal information was exposed in the XXXX data breach, which has further compromised my identity and contributed to this fraudulent activity. I expect this matter to be handled with urgency and diligence to restore the 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXXXXXX XX/XX/2024

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 2024-11-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Wellness LLC
State: IN

Complaint narrative:
I was attempting to call a collection agency in order to pay off an account. The number that was listed under XXXX actually was the number of a company called Credit Wellness. The representative that I spoke to and I were both confused because I was tricked into thinking that I was speaking with the collection agency. The gentleman that I spoke to informed me that I was actually speaking with a credit repair company called Credit Wellness. I was confused and did not realize at the time that this company was tying their number with XXXX to mask the fact that they were a credit repair company and to dupe unsuspecting customers into calling them instead of the collection agency. This was deception from the beginning. After a convincing sales spiel I agreed to utilize their services. He also instructed me to " look up '' their reviews on XXXX. Credit Wellness seemed to have great reviews, so I opted to obtain their services.

It was a disaster from the very start! They instructed me to sign up for a service called " XXXX XXXX  '' as well. The website would falsely claim that items were removed that indeed were not and then claim it was a " glitch '' in their system. I attempted to cancel with them more than once, but was assured that after the third round that I would see results. I contacted them before 90 days and explained to them that nothing had changed on my credit and that the ONE entry that was deleted was due to an agreement ( pay for delete ) that I had made with the agency. The representative insinuated that I was lying or misrepresenting that facts. I have proof from the collection agency that this agreement was made. This companies own employees state that this company is a sham/scam. The representative requested that I give them more time, because reports are only updated every 30-45 days. I explained to them that my money back guarantee would have expired by then. She assured me that she would note the account so that that did not happen. 
Also, I kept receiving letters from the credit bureaus stating that they were not able to verify that it was me, or that they needed more verification that I gave permission for this company to act on my behalf, and several other letters requesting information, all of which Credit Wellness instructed me to ignore. 
Needless to say, they scammed me out of money and nothing was ever removed from my report by them. 
They also requested me to leave a review on XXXX, and I told them that I couldn't do that until I actually utilized their services, as I had just signed the contract and that no work had been completed at this point. 
I will include all the documentation that I have when this company responds to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-11-25 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: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX {$880.00} was removed from my account with Chime. I made contact several times but again on XXXX they for the second time denied the scam and return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried registering online at my.equifax.com numerous times. after a fill out all needed information in application. It brings me to a page saying ; " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' So then I gave customer service a call. The phone operator informed me to mail specific documents. So told me to mail a copy of government ID or driver license and the provide a a copy of social security card and then provide a cover letter talking about issue I want resolved. After I mail that the issue should be resolved. Then asked how will you guys contact me or notify me when is issue is resolved are in the process of being resolved. I said should I provide email or phone number she said no. I said how will I know if documents got to thecompany or if you resolved the issue or not. She said just send the documents and you should be good and issue resolved. She Then provided this address to mail documents to Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Documents have been mailed but issue not resloved yet. I've been hearing many other complaints from other consumers online with similar issue I'm having about mailing needed to documents that equifax request to resolve the issue and get your account back and see credit score again but nothing has been done after other consumers mail documents to equifax many weeks to months later. Also many complaints about numerous phone calls given issue still not being resolved. I heard from many other customers easiest and fastest way to resolve issue is to a file CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX  XXXX XXXX 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 2024-11-25 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: Nelnet, Inc.
State: WI

Complaint narrative:
I was not aware of the total amount of the loans. I never received any type of payment, and I don't know where the money went or how it was spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
Took fee upfront without providing service they promised. 
I waited a month for the Level One Law to help me settle my credit cards, and they did nothing to help. I just got into more debt because I paid over {$5000.00} in fees to later have my credit score go 500s, going to court. The best option they gave me was to get out of the program and deal with the debt collection myself.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: WV

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

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 2024-11-25 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:
This hard inquiry has not been authorized by me, XXXX XXXX XX/XX/2023, I REQUEST THAT IT BE DELETED PLEASE

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I am filing a complaint against Mariner Finance regarding inaccurate late payment reporting on my credit file. Specifically, my account with Mariner Finance ( [ Account Number : XXXX ] ) is reported as 30 days late for XX/XX/2024 and 60 days late for XX/XX/2024. The reported past-due amounts of {$300.00} and {$520.00} are inconsistent and inaccurate. Despite submitting a formal dispute to Mariner Finance on [ insert date of original dispute ], the issue remains unresolved. 

Details of the Dispute : Late Payments : The account is reported as 30 days late in

XX/XX/2024 and 60 days late in XX/XX/2024.

The past-due amounts reported are {$300.00} for XXXX and {$520.00} for XXXX, which are inconsistent with my payment records. I have never received notices or documentation to substantiate these amounts. 
Failure to Validate : I have requested documentation from Mariner Finance to validate these late payment entries and discrepancies, but they have not provided sufficient proof. 
Applicable Consumer Laws : 15 U.S.C. 1666 : Under the Billing Error Resolution Act, I have the right to dispute inaccuracies related to billing and late payments. Mariner Finance is required to provide evidence of the reported late payments.

15 U.S.C. 1681s-2 ( b ) : Mariner Finance , as a furnisher of information, is required to investigate the dispute and report accurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 00:00:00
Product: Mortgage — Conventional home 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
we need help with mortgage they are charging us XXXX XXXX wont help us with forbearance or loan modification or loss mitigation our payment is XXXX a month on conventional loan and XXXX goes to princapal we put {$28000.00} down they offered no incentives or down payment help they knew my sister received XXXX when they approved us this is our primary residence XXXX we have XXXX kids under XXXX ( XXXX and XXXX ) and they know we used our only car as down payment my son died in car accident a month after we bought and they wouldn't help when he died they paid {$3.00} after I had to send {$1400.00} and they was supposed to pay 2 months not {$3.00} please help we have no where to go and no one to ask for help

Company response to consumer: Closed with explanation