vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: VA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2024-10-28 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transferred and bounced around to voicemail or not. I have been leaving voicemails for several days now at multiple times. 

Too many delay tactics in place to stop me from verifying that the documents were received. I suspect that they are forcing my hand to rectify postponement or cancellation of " active foreclosure. '' A payoff has been requested and an " audit '' has been done on the account as if they are not planning to be objective during " mediation. '' I was notified that the foreclosure sale date was on XX/XX/year> and now it is replaced with the same date as a " Mediation '' date. 

Housing counselor appears to be posing the same antics and seems to be delaying the assistance since XXXX. I can't get in contact with any support to help me stop the " Foreclosure '' actions before " Mediation. ''

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a XXXX XXXX Unlimited credit card in XX/XX/year>, and one of the promotional offers was {$200.00} cash back after spending {$500.00} in the first three months. I met that requirement, but the bonus was never credited to me. When I called customer service to check on the status, they told me that my card terms didnt include that offer. I have a screenshot of the terms and conditions from when I applied, clearly stating the {$200.00} bonus, but they are saying I'm ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC {$740.00} was sent a letter on XX/XX/year> and XX/XX/year> requesting debt validation with their company stating that a contract was never signed with this debt collector for any debt. Please provide proof, they have not sent anything showing proof from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by a person, using the Wells Fargo phone number, asking me to assist in a fraud detection at the bank, asking me to transfer {$44.00} to an undisclosed bank in XXXX XXXX. As I started doing it, I realize it was a fraud operation. Run to the bank to place a stop payment. Although that operation was done, the bank proceeded to transfer that amount without my consent. 
I contacted the receiving bank, who promised to withhold the release of the fund, something that did not occurred. The funds were released without me being able to stop the operation. 
I had several contact with the bank, who ended being a bank in XXXX, with no result. 
Contacted Wells Fargo, the FBI, and the local police. 
I received a confirmation from Wells Fargo that they were promising a prompt action. 
That never occurred.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  XXXX XXXX XX/XX/XXXX COLLECTION/CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  XXXX XXXX XX/XX/XXXX COLLECTION/CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CL Holdings LLC
State: SC

Complaint narrative:
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I reached out to our city 's tax office to determine the amount of taxes we should be paying per quarter. They emailed Mr. Cooper on XX/XX/XXXX saying " The assessed value of this property is currently {$170000.00}. With our tax rate at XXXX, that equates to annual property taxes of {$9200.00}, or approximately {$770.00} per month. '' They attached a copy of the XXXX taxes billed, showing first and second quarter. We determined that we XXXX have over billed them based on an incorrect assessment. Our monthly increased by {$2000.00} and we were trying to determine why. 

On XX/XX/XXXX I sent a follow up email after not hearing back from the email on XX/XX/XXXX saying explaining that our escrow analysis was saying that we have an escrow shortage of {$11000.00} which is well above our XXXX annual taxes of {$9200.00}. In another spot of our account, it is saying we have a shortage of {$980.00}. I was confused about the different shortages we have and also confused how we have a shortage when it says we have {$8300.00} balance in our escrow account. I attached screenshots of what I was seeing as far as our escrow balance goes and requested a statement showing where we are short. I requested a phone call. This email went unanswered On XX/XX/XXXX We received a statement from Mr. Cooper on XX/XX/XXXX saying that we would hear a response back from them by XX/XX/XXXX but still haven't heard back and our loan still hasnt been corrected. I reached out to the tax office to see if they heard anything but Mr. Cooper never answered their emails. 

On XX/XX/XXXX I reached out to the tax office again asking if they ever heard back from Mr. Cooper but they had not. They said they have not heard back but Mr. Cooper had paid the exact amount owed for the taxes on XX/XX/XXXX It is now XXXX and our monthly payment has dropped by {$1000.00} but we are unsure why. Last time our payments dropped, they issued us a check for {$14000.00} and then began overcharging us the following. I am nervous this is going to happen again and would rather them communicate with us and the tax office to bill us correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: EQUIFAX, INC.
State: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: KS

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 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I'm requesting a debt validation request from Midland credit Management. They've attempted to sue me via the courts ; however,, this debt charged off in XXXX, they have not provided any documentation of ownership of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE BANKSHARES, INC.

Complaint narrative:
Not interested to pay the annual fee since card is not using and not delivered and wit out information all these are done. not interested to pay the annual fee.

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 2024-10-28 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: World Acceptance Corporation
State: SC

Complaint narrative:
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the acceptable items which only 2 are required per the LAW. Which I have provided my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am writing to request the immediate removal of an inaccurate entry on my credit report concerning a prepaid XXXX card listed under **Account Number : XXXX. This account currently shows an incorrect balance of XXXX XXXX XXXX. As this was a prepaid card and the account is now closed, it is impossible for any outstanding balance to exist.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to accurate credit reporting, and closed prepaid accounts should not reflect outstanding balances. Therefore, I request that Navy Federal Credit Union take the following actions : 1. **Immediate Removal of the Account** : As this prepaid card account is closed and prepaid cards can not legally accrue a balance, I request that this entry be removed from all credit reporting agencies.

2. **Written Confirmation of Removal** : Please provide written confirmation within 30 days verifying that this account has been removed from my credit report and that no further reporting will occur.

These actions are necessary to ensure my credit report reflects accurate and fair information. Thank you for your prompt attention to this matter, and I look forward to a swift resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently pulled my credit report and found some inaccurate personal information that was reporting. I have made a list of all of the inaccurate personal information that I would like removed. I am in the process of starting a business and I can not get access to business loans. Please review all of my documents and remove the inaccurate information that is listed. 

Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-28 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: GA

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 2024-10-28 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: GA

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