vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Experian XXXX XXXX  XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - XXXX  report includes the following statements : " XXXX included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing Information on Last Payment : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts. 

XXXX. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( 1XXXX0 days late ) XX/XX/XXXX ( XXXX days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Experian has failed to ensure accurate and consistent reporting of data. 

XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the " XXXX XXXX '' status, has not been removed as required by law. 

XXXX. XXXX XXXX. XXXX : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Experian XXXX XXXX  XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - XXXX  report includes the following statements : " XXXX included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing Information on Last Payment : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts. 

XXXX. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( XXXX days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Experian has failed to ensure accurate and consistent reporting of data. 

XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the " XXXX XXXX '' status, has not been removed as required by law. 

XXXX. XXXX XXXX. XXXX : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: WY

Complaint narrative:
I notified XXXX XXXX XXXX that I was XXXX. I sent them the required information for them to apply the XXXX XXXX to my loan, and in XX/XX/XXXX I received a letter dated XX/XX/XXXX. They stated that they were reviewing my XXXX XXXX 

Now that XXXX XXXX, back from XXXX in XX/XX/XXXX, I noticed that on my statements they never gave me the 6 % interest rate required by the XXXX XXXX. I called the company and was notified that they are still working on applying those benefits. The person who answered didnt know what I was talking about nor do they have a person knowledgeable about XXXX. 

Pictures show interest rate never changed. Statements in pictures are Before, during, and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to formally demand the immediate correction or removal of the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. 

This account is inconsistently reported across the XXXX credit bureaus : TransUnion is reflecting a negative history with inaccurate XXXX late payments in recent months. 
XXXX correctly reports the account as " XXXX '' and " XXXX. '' XXXX is not reporting this account at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AL

Complaint narrative:
Dear Equifax, I am writing to formally request updates to my credit report. Please ensure that the following adjustments are made to accurately reflect my personal information : Name : The only name that should be listed on my credit report is XXXX XXXX. Please remove any other names that may currently appear on my credit file. 

Address : Please update the address on my file to : XXXX XXXX XXXX XXXX XXXX remove any prior addresses, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX : I also request that you remove any promotional block or credit freeze currently listed on my credit file. 

I appreciate your prompt attention to this matter. Enclosed, you will find copies of documents verifying my identity and address to assist in processing these updates. 

Thank you for your assistance in maintaining the accuracy of my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez is the only mortgage company I've had that requests a XXXX XXXX XXXX and if not provided will automatically move you to a policy of their choice. A quote from there insurance company of choice was dramatically more expensive. The key problem is they do NOT provide an efficient way to provide this information. For 2 years in a row, the expressinsuranceinfo.com route they provide does not work, my loan isn't found in that system. I am forced to contact them. They provide an email to send the info. I send it in and ask for a positive confirmation the request has been satisfied. THey do not provide a confirmation. So once again I need to follow-up. They are also marketing to change Insurance providers. All this is unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> I went to my local Wells Fargo bank branch to inquire about the status of my escrow account refund on the Mortgage Loan that was paid off in XX/XX/year>. I spoke with a representative and he called the Mortgage Division and was told that the balance on the escrow account was paid by check and the check was cashed in XX/XX/year>. I did not endorse the check. I had no knowledge of the check being issued. For them to investigate this forgery, I was advised that I needed to sign and send Wells Fargo a notarized affidavit. I followed the instructions and sent Wells Fargo in XXXX XXXX, Iowa the required paperwork. They responded on XX/XX/year> that a fraud case had been opened on the forgery of my signature on their check and that I could expect a reply by XX/XX/year>. Now I am being told on the phone that the case was closed by their " Fraud Team '' on XX/XX/year> even though the representative, Jane, only gave me this information by phone today, XX/XX/year>. I have never been contacted by any person on the Wells Fargo " Fraud Team. '' I have not received any written communication about the resolution of this fraud case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WI

Complaint narrative:
I HAVE SENT MULTIPLE REQUEST TO EXPERIAN REGARDING INFORMATION ON MY REPORT AND HAVE NOT HEARD FROM THEM YET!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NV

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and fraudulent accounts and inquiries have been added to my credit report. As such, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX {$8900.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$160.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$420.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY REGARDING THEM REPORTING THIS STUFF TO MY CREDIT I HAVE REQUESTED THEM PROVIDE ME VALIDATION OF THE DEBT THEY SAY I OWE BUT THEY SENT STATEMENTS THAT DONT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXXXXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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