vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I'm writing to communicate my profound concern in regards to a few questioned accounts that remain erroneously recorded on my credit report. In spite of various endeavors to address these mistakes and rehashed demands for an exhaustive examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and fundamentally upsetting my capacity to have an ordinary existence. The negative repercussions of these errors have caused massive difficulties, and I'm left with no decision except for to argue for your nearby help with redressing what is going on. 

I benevolently demand that you direct a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recapture command over my monetary prosperity. 

I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.

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 2024-08-06 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: MA

Complaint narrative:
The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a XXXX day late payment posted in XX/XX/XXXX, and a XXXX day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
This debt was added to my credit report without having any prior knowledge to this debt They claimed that I have a debt for address. I have never lived a phone number Phone Number I never had. That has not been verified with any of the credit XXXX and needs to be removed immediately because I didnt have no I have no of this or address or phone number that they have on file. Also, I was threatened by the agent on the phone stating that if I didnt update my information that is that would never go away and by law I do not have to give them any of my at any of my information for them to update in their system. This company is trying Claim fraudulent debt I have never lived in the address on file. This is not my debt and I will ask the week for it to be removed immediately. If not, I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH MORTGAGE SERVICES IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/2024. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-08-06 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: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-08-06 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: NY

Complaint narrative:
I'm writing to communicate my profound concern in regards to a few questioned accounts that remain erroneously recorded on my credit report. In spite of various endeavors to address these mistakes and rehashed demands for an exhaustive examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and fundamentally upsetting my capacity to have an ordinary existence. The negative repercussions of these errors have caused massive difficulties, and I'm left with no decision except for to argue for your nearby help with redressing what is going on. 

I benevolently demand that you direct a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recapture command over my monetary prosperity. 

I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National Credit Adjust I called and requested the original documentation and the could not provide. and its not my authorization for the company to have my personal information. 
National Credit Adjust XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX Please remove these ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CBC Companies, Inc.
State: NV

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. 
I've sent several letters to National Credit Adjusters ( NCA ) regarding the accuracy of the {$240.00} collection on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account but NCA hasn't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Several Inquiries do not belong on my account also student loans you guys keep trying to reopen does not belong to me and it has also been past five days with no notification of you guys adding it on. See both attachments. Correct asap 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Collection account XXXX Balance : {$1300.00} ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: CT

Complaint narrative:
Vehicle returned to dealership for mechanical reasons and didnt get car repaired or returned. Vehicle still showing up on credit report and I have been trying to get it removed for a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I pay my taxes every year via USPS with a company check. I did the same in XXXX and after following up, looking in my account the check was cashed in the amount of {$8400.00} to the United States Treasury. The years after that, there was no notification that my taxes were not paid from the IRS. After inquiring about collecting Social Security in XXXX, I saw on XXXX  website that my earnings for XXXX were not documented, and that is when I started looking into this. I spoke to Social Security, and then IRS and in XXXX of XXXX made an appointment with IRS and determined there was fraud. 


I contacted my bank, which is XXXX of XXXX, and they determined the check was not altered or endorsed but deposited into a personal account of a Wells Fargo customer. To prove fraud we contacted the XXXX XXXX XXXX XXXX XX/XX/XXXX which then determined it was fraud and this took until XX/XX/XXXX. XXXX Bank, XXXX filed an affidavit to Wells Fargo XX/XX/XXXX and Wells Fargo responded from Dept of Exception Payments denying reimbursement due to three year reclamation XX/XX/XXXX had expired. I was not aware of all of this until XX/XX/XXXX. 


I worked on this for months after XX/XX/XXXX calling Wells Fargo and going into their locations without getting any answers. Calling the Secretary of State, XXXX complaint, and also trying to find a Registered Agent for Wells Fargo so I can file small claims on Wells Fargo with no luck. I also contacted the IRS, after them now sending me an outstanding balance in XX/XX/XXXX, including interest on the payment they did not get in XXXX. 


Although the Wells Fargo customer tried to commit Fraud, Wells Fargo facilitated them by not catching and correcting their mistake of depositing an non- endorsed check made out to the United States Treasury . Ultimately stealing from the IRS!

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 2024-08-06 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account XXXX, XXXX XXXX Account number, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 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: FL

Complaint narrative:
When reviewing my credit report, I have inquiries that I do not recognize and even one of them was closed by the bank itself but the inquiries are still there affecting my credit report : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  was notified by phone and the account was closed. 
XXXX was also closed and XXXX XXXX was notified that the credit card issued in XXXX is not with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> I complain the company doesn't know the personal information of the applicant 's english name bracket to supply card of application. 
Applicant 's first name bracket is [ XXXX XXXX ] and [ XXXX XXXX ] stands for the customers three character first name of application. The applicant 's last name bracket is XXXX XXXX  ] and [ XXXX XXXX stands for the customer 's last name of application.

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