vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA XXXX  account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.

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 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/24 Requested information validating the debt and original contract with my signature on it XX/XX/24 XXXX for requested information of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: KS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of this year, in writing I sent them a Revocation of the Authorization of auto debit of payments. They have refused to do this and keep trying to get me to send in more and more of my information, now they are trying to get my social security number and a photo copy of my id.. which all sounds pretty shady. But regardless they are basically refusing to revoke my authorization. I informed them I am well within my rights to revoke at anytime and they continue to XXXX. ) transfer me to different people and then say Ill receive a phone call and never do. And XXXX. ) refuse to revoke without me sending in all my identification. 
They have since Taken money illegally from my bank account XXXX {$30.00} and XXXX {$50.00}, which they state are late fees that are being auto debited!! 
I have informed my bank account who have frozen the account and Ill probably just have to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed that I had some collections that werent mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: SC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I have a reverse mortgage on my home of XXXX plus years. The lender is XXXX XXXX XXXX. Settlement date was XXXX XXXX. XXXX, XXXX, XXXX transferred servicing of loan to XXXX XXXX XXXX. XXXX went bankrupt and servicing of the loan transferred to Carrington Mortgage services , LLC . XXXX became the servicer on? 
XXXX XXXX, I listed a XXXX piece of vacant land known as XXXX XXXX on a certified survey done by XXXX XXXX XXXX XXXX XXXX ) XXXX ). I soon learned there are XXXX separate {$300000.00} loans, XXXX on my house, XXXX XXXX, XXXX on XXXX XXXX XXXX describe both parcels as the same although the legal descriptions are different. I applied for a partial release of lien and received an acknowledgement of my request from Carrington XXXX XXXX, XXXX, along with a set of requirements to fulfill that request. I did so and submitted them XXXX XXXX, XXXX. Today is XX/XX/XXXX. No amount of phone calls or emails have been able to elicit an explanation why it is taking so long to respond to my request. I have recently become aware of Section 6 of the Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ). I know nothing of real estate law, but it seems to address my situation. 
Contact info : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, Supervisor of Lien Release , XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Propel, Inc.
State: VT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to visit my mother when I got back after XXXX XXXX of XXXX I noticed a few charges I had not authorized on my providers debit card issued by XXXX XXXX I have tried to make a dispute with them I even appealed there decision mind you that they had come to a final decision after just two business days that is not a thorough investigation at the time of my trip my phone cards and everything had been stolen and used I even sent in my police report number and documnet from the FTC so with my police report and all other information they are sticking to there final decision I need helo and knowing what other options I have and this was not authorized and these are my XXXX XXXX XXXXXXXX benefits that they are not helping me with I would appreciate if XXXXhr company would thoroughly investigate and take more than two days to look into this anf help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We have had two act of god disasters in XXXX, one in XXXX with tornadoes and storms that took out power and caused damage to homes. Second one just happened with Hurricane Beryl where we lost power and cell phone outages for at least 10 days. One of our mortgage payments was late just by a few days over the 30 days and Freedom Mortgage reported this to credit rating companies. During this time we weere also delayed coming back to XXXX from XXXX as our flights were diverted to XXXX where we spent 2 days. All of this caused delays and we were unable to get on teh internet to make any of our payments. All of our seervice providers understood this situation and gave us more time to make payments, except Freedom Mortgage. I woukld liek Freedom Mortagage to have empithy on folks who have just gone through a disaster with loses and remove this reporting from credit bureaus. 

You will see from attached documents that as soon as power and internet was restored i made sure teh account was briought up to date with 2 payments 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 explanation
Consumer complaint received 2024-07-17 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account we're not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete these items. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions.

15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-17 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: MD

Complaint narrative:
It is my sworn statement that the listed accounts and inquiries are a result of identity theft as I did not create these accounts or inquiries. Please delete these fraudulent accounts and inquiries pursuant to 15 USC 1681c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). 
DELETE ADDITIONAL INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE ADD MY CORRECT EMPLOYER : XXXX XXXX XXXX XXXX XXXX 

Please see attached Identity Theft 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 explanation
Consumer complaint received 2024-07-17 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: SC

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I arranged a career services agreement with XXXX XXXXXXXX. To pay for it, they use Affirm, a 3rd-party lending service. At first, things seemed fine, but my first meeting quickly told me that this was a scam company. XXXX  XXXX has had numerous FTC complaints ( including one I filed ), has been published in several articles about predatory and dishonest tactics, and more. After having my first meeting with them, I chose not to engage with them again until I had a method to secure my refund, their services are horrible - no new knowledge was gained, and my meetings times to changed around aggressively, as if to make me miss these meetings on purpose. I went to 2 meetings total and I knew this was a fake scam for sure. XXXXXXXX XXXX  defense for not refunding me was " you signed a contract '', which yes, but the contract also assumes the services provided are appropriate for the money paid, which they are not. Affirm then went on record yesterday, XX/XX/XXXX, saying they are refunding all customers who have opened up a dispute. I then called Affirm, ready to finally get a refund after fighting with XXXX for nearly a year, and they told me that because 60 days had passed, they weren't able to issue a refund. My issue here is three-fold : ( XXXX ) they published saying they were refunding all cases, no exceptions, with XXXX. ; ( XXXX ) I never filed an initial dispute with Affirm because I didn't know my powers and options once I was locked it, otherwise I would have immediately ( although others who opened complaints within 3 days still were told no refunds by Affirm! ) ; ( XXXX ) XXXX  is a scam company, and I'm seeking to finally get my money back from Affirm and end this nightmare. 

I submitted this complaint previously- but I didn't provide the correct documentation. Please see the attached files which show : a class-action lawsuit against XXXX  XXXX that won a huge settlement this year, consumer reviews of XXXX, business reviews of XXXXXXXX XXXX XXXX, my initial contract, my attempts at refunds with XXXX, and a similar case to mine where Affirm indeed awarded a refund to the person earlier today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/year>, I received an email from Wells Fargo notifying me that my credit card had been enrolled in XXXX ( I did not opt into this ). The email from Wells Fargo provides a link at XXXX XXXX XXXX to opt out on XXXX XXXX XXXXXXXX. In order to opt out, XXXX requires my email, and then requires that I enter my phone number. In the header, it states " By entering your mobile number, you consent to receive automated texts from XXXX, to any current or future mobile number associated with your financial accounts, each time you use the service. Message and data rates may apply. '' I do NOT consent to receive automated texts from XXXX, and there is no workaround, no way to remove my credit card from XXXX without " consenting '' to automated texts. 

Wells Fargo 's online access agreement at https : //www.wellsfargo.com/online-banking/online-access-agreement states " 10 ( e ). Right to Remove Your Wells Fargo Cards From XXXX ; Right to Opt-Out of XXXX XXXX XXXXXXXX of Access You have the right to remove your Wells Fargo XXXX XXXX XXXX. To the extent that you have cards from other financial institutions in XXXX, you understand that Wells Fargo can only remove your Wells Fargo cards from XXXX. You agree to notify us promptly if you want to remove your Wells Fargo cards from XXXX. To remove your Wells Fargo cards from XXXX, you XXXX call Wells Fargo XXXX Customer Service at XXXX for assistance, or if your cards appear in the Wells Fargo XXXX app for XXXX  you can remove them through our app. '' I called the number indicated and spoke to five ( 5 ) different Wells Fargo employees who all refused or insisted they were unable to opt me out or delete my card from 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 2024-07-17 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: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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