vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I want to File auto dealer fraud XXXX XXXXXXXX XXXX None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots

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 2024-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
Aldridge Pite , LLP on behalf of client XXXX XXXX XXXX XXXX has my home unlawfully listed as foreclosed with a sale date of XX/XX/year>. My home does not have an active mortgage to foreclose upon. XX/XX/year> a request for Validation of Debt was made and not received. I have verified with my countys XXXX XXXX that there is not a formal notice of foreclosure, liens, or holdings on my property. Aldridge Pite , LLP listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by Aldridge Pite , LLP. XX/XX/year> a XXXX & XXXX XXXX was sent and received by Aldridge Pite , LLP but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
XXXX XXXX. 
XXXX the amount I requested all paperwork I signed saying I owe Allied Collection Services XXXX, XXXX dollars. No reply back of proof. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}

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 2024-04-12 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}

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 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Millsap & Singer, LLC
State: MO

Complaint narrative:
The XXXX XXXX XXXX, XXXX. was appointed successor trustee per the attached documents, to perform a foreclosure on my home. ( See CFPB Complaint # XXXX ). However, when the XXXX XXXX XXXX, XXXX, discovered that it's client, XXXX XXXX XXXX XXXX XXXX did not have legal standing to pursue foreclosure, because the Deed of Trust, c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXXhat undergirded the foreclosure was void ab initio in that the Deed of Trust contained what purported to be my signature, when I was not on the Promissory Note. As such, XXXX XXXX XXXX XXXX, XXXX, abandoned the foreclosure. Then, XXXX XXXX XXXX XXXX XXXX reinitiated a foreclosure on my home ; however, this time, with Millsap & Singer, P.C., as successor trustee, who commenced yet another foreclosure. Millsap & Singer, P.C., committed serious breaches of the law when it commenced a foreclosure when it knew or had reason to know that its client, XXXX XXXX XXXX XXXXXXXX did not have legal standing to pursue foreclosure because the Deed of Trust that undergirds the foreclosure was not valid, by containing my signature when the accompanying Promissory Note did not contain my signature. 

Please refer to the attached Index of Exhibits that provide the legal basis to support the allegations contained here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three XXXX XXXX TransUnion for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you

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 2024-04-12 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: FL

Complaint narrative:
Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three XXXX Equifax XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: ND

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of Wells Fargo, I'm still in that process and have not been able to secure this loan.

The reason my loan is taking so long is because I have two 30 day lates on my credit from a Wells Fargo credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called Wells Fargo probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. 

I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from Wells Fargo is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want Wells Fargo to correct this.

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 2024-04-12 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: NJ

Complaint narrative:
I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with XXXX and with TransUnion, but those disputes have not been successful

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 2024-04-12 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:
I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXXXXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with Equifax and with XXXX, but those disputes have not been successful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: OR

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX account number XXXX Amount XXXX Its closed in my name I disputed I have no knowledge of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: FL

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 2024-04-12 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation