vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
I did not answer the phone call but the caller left a voicemail message on my phone from Online Info telling me they are a debt collector and I was to respond quickly to an outstanding debt I owed. I owe NO debt ( s )! I did not or will not respond to the request or answer the calling number. Online Info has become a nuisance with numerous calls daily. The number XXXX XXXX XXXX is identified on my phone as Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Card Acquisitions Group
State: OH

Complaint narrative:
Foster and Monroe LLC has committed several violations under the fdcpa and fcra laws firs by reporting the account to an address I dont reside which you will see on the exhibit secondly by making false representations about the account allegedly made inaccurate assertions by stating that the email in this complaint was the same email that the original creditor which is false as you will see on my exhibit and thirdly failing to identify themselves as debt collectors and which I have evidence to prove my allegations which I will upload on this complaint I spoke with a Cfpb representative who advised me to contact the XXXX Ohio legal aid for help about this matter. I intend to take legal action to make this irresponsible debt collector company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
XXXXm writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for {$600.00} due on XX/XX/XXXX. I paid {$64.00} on XX/XX/XXXX. I also paid {$540.00} on XX/XX/XXXX for a grand total of {$600.00}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {$41.00} was due XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. I also made a payment of {$100.00} on XX/XX/XXXX. I made a total payment of {$200.00} before the due date of XX/XX/XXXX. The payment due was {$41.00}. I made a total payment of {$200.00} I paid {$150.00} over the required payment. I have provided XXXX proof payments were made timely in addition, to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account nor has XXXX, XXXX, nor Equifax corrected this information despite being provided with the official documentation. I have provided each credit bureau agency with a true and correct statement from XXXX  XXXX XXXX XXXX. I have also included my payment receipts and this information has not been updated or changed at all. It is the responsibility of each credit union to update their records. However, they choose to disregard this information and XXXX, XXXX, or Equifax did not correct this information. 

XXXX  XXXX XXXX XXXX Late payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 a car I rented was stolen out the hotel parking lot. I contacted XXXX XXXX police and they recovered the car. XXXX XXXX XXXX was the company name that charged me by mistake instead of the liable party. Furthermore the police didnt release the name of the individual who committed the theft. I filed a complaint with the claims department and received what they called a provisional credit then Wells Fargo reversed the credit claiming a lack of information. I then got i touch with another representative with Wells Fargo after sending the requested information. The representative then informed me that the credit had been returned and the claim had been resolved. On XX/XX/2023 Wells Fargo then fraudulently removed {$1200.00} from my account saying the initial claim was under review. I then requested a call review regarding the representative who had replaced the money in my account and informed me the claim was resolved. I have continued to request this information and every time I do a representative tells me no such review has been requested. Im filing a complaint against Wells Fargo for dishonesty and incompetence.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, TSU, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, XXXX, EXP ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Im writing to you today to file a report on Newrez, a mortgage company, for violating their contract to refund escrow money and holding my money illegally despite many attempts for them to send it to me. Below Ive listed out the timeline of events and Newrez has not sent my Escrow Money, although they have confirmed four times they are going to send it to me. 

Timeline : XX/XX/XXXX : I faxed a request to XXXX XXXX XXXX  ( now called Newrez ) to close my Escrow Account. 
XX/XX/XXXX : I received a written letter that my request to close my Escrow Account had been approved. The notice stated that as of XXXX XXXX XXXX  I would no longer have an escrow account with the XXXX XXXX XXXXNewrez LLC XX/XX/XXXX : My home loan was officially moved to Newrez LLC XXXX XXXX XXXX : I received an email notification that my request to close my Escrow Account had been approved. 
XX/XX/XXXX : I called Newrez customer service to ensure that the Escrow request had been transferred when the loan was transferred. The agent assured me it had and that I could expect to receive my Escrow Refund by XX/XX/XXXX ( 60 days after the escrow account closing ). 
XX/XX/XXXX : I called Newrez again to see the status of the account. The agent said the company had not started this request, although they had record of the request. The agent said he would put the request to refund my escrow immediately. 
XX/XX/XXXX : I called Newrez again to see the status of the account, as I still had not received my refund. After explaining the situation to the customer service agent, they agreed to overnight my refund check to receive it by XXXX XXXX XXXX XXXX XXXX XXXX XXXX am contacting you to report that Newrez LLC is withholding my escrow money from me illegally after stating they would refund my account in full by XX/XX/XXXX. 

Im reaching out to you for help in this matter and to ensure you know that Newrez is illegally withholding my escrow money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
XXXX has an incorrect account listing of an account with Affirm on my credit report. 

I attempted to make a purchase using affirm through XXXX. However XXXX  canceled my order immediately after completing checkout. Affirm has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to XXXX  a loan that does not exist and refuse to refund my down payment. 


XXXX has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did.

Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: DC

Complaint narrative:
In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights.

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.

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 2024-02-07 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: DC

Complaint narrative:
In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights.

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights. 

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.

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 2024-02-07 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: TX

Complaint narrative:
Incorrect XXXX XXXX, incorrect name and address for my business on the credit report Correct information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I received a rejection letter from Ford Credit. The purchase/lease attempt was rejected by XXXX. I did not initiate the application for credit/purchase/lease. Someone else attempted to gain credit using my name and address. Thankfully, having my credit accounts frozen has saved me from theft. I am reporting this to assist in stopping the thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: KY

Complaint narrative:
I moved out of my rental apartment a month early due to me not being able to pay the next months amount of around {$1300.00}. After going through financial crisis, they had sent my debt owed of that amount to a collection and now they want around XXXX. Ive paid some of it back but they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation