vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
This will be my XXXX dispute letter sent to TransUnion and XXXX. 

As a reputable credit reporting agency, I expect that these companies would always provide accurate and reliable information to financial institutions and other organizations that rely on their services. Unfortunately, my experience with these companies has fallen far short of this expectation. 

As mentioned in my previous letters, Trade : XXXX XXXX XXXX with an Account Number XXXX, has long been deleted in XXXX on XX/XX/2023. ( see attached file for XXXX previous feedback ) In addition, I would like to bring to XXXX 's attention the inaccuracies in my credit report regarding my Date of Birth and Previous Address. Despite providing my drivers license for verification, it seems the information has not been appropriately updated. 

These inaccuracies in reporting this account are concerning, and because of these unfair practices and mishaps, I demand that the above-mentioned account be promptly deleted from my credit history due to these errors and oversights.

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 2024-01-12 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: PA

Complaint narrative:
I don't understand why it took XXXX and Equifax so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported.

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that XXXX and Equifax are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OK

Complaint narrative:
I was first contacted by email ( copy attached ). They failed to notify of this debt by regular mail. I have, hopefully, enclosed what was received by me in mail during that five day period ( copies of Informed Delivery attached ). 
Upon looking at this letter and at the amount, I would conclude possibly being scammed by this entity. XXXX was acquired by XXXX on XXXX XXXX XXXX  and ceased to exist by that XXXX. I am a current customer of XXXX  and have recently purchased a XXXX XXXX XXXXXXXX XXXX XXXX from them for {$190.00}, which I am currently paying for. Another suspicion of mine on is that the amount claimed is only XXXX cents more. Its been over seven years since I did any business with XXXX and the only records that I keep longer than five years are income tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is in breach of their own card member service agreement during my XX/XX/2023 statement cycle. 
I accidentally took out a XXXX XXXX. for XXXX on XXXX. I made a payment for {$100.00} on XX/XX/ on XX/XX/ I then made another payment for XXXX  on XX/XX/XXXXXXXX  I then made another payment for {$1300.00}. 
During this time I was a card promotional period where I was being charge 0 % interest until XXXX XXXX 
Well Fargo did not apply any of my payments towards the XXXX XXXX but instead applied the payments towards the purchases which were at 0 % interest. the following month they changed the amount of my XXXX XXXX balance to {$1500.00} when I did not take another advances they continue to assess fees and interest. 

according to their own cardmember agreement that states that How do we apply your payments? 
Minimum Payment Generally, we process your minimum payment in the following order : Lower APR balances ( such as Purchases ) Higher APR balances ( such as XXXX XXXX  ) Amounts in Excess of the Minimum Payment If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.

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 2024-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX is restricting outbound ACH transactions to {$2500.00} per day ; however, they do not limit inbound ACH transactions. In order to receive the funds via ACH, I would have to login and submit SEVEN separate {$2500.00} daily distributions over the course of 7 business days! They told me they could not process a larger ACH by phone either. Security should not be the concern as I have already verified my bank account through their system, and they can further verify my identity over the phone. 

They get the benefit of holding my funds for longer than they otherwise would -- all the while they are generating additional revenue from investing my funds while only paying me 0.15 % to 0.05 %. For reference, XXXX XXXX XXXX XXXX XXXX fund ( XXXX ) is currently showing a 7-day yield of 5.06 %. This practice is clearly predatory and design to retain funds longer and boost XXXX XXXX XXXX  assets and revenue at the consumer 's expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XXXX  and have been unsuccessful. There have been messages and emails sent but no responses from anyone. 

XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We are going on 4 months since the beginning of this process and the frustration has been great due to lack of communication. We have been told repeatedly someone would call back or address any questions within 24 hours of the initiated call..there has yet to be any communication. 

We really need to speak to someone in regards to the process and timelines, so we can obtain the proper extensions since we are in Escrow.

The standard answer in the beginning was this could take 4-6 months. However no one told us there would be zero communication. It seems every time the Buyer or Seller give what is requested, your company goes dark in communication. 

We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XX/XX/XXXX and have been unsuccessful. There have been messages and emails sent but no responses from anyone. The only response given was on XX/XX/XXXX from CR response stating we needed an authorization letter signed in order to communicate with myself or other Agent in this transaction. As stated on email you can only correspond with your Client, however you have yet to respond to her numerous attempts, XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We started this process XX/XX/XXXX and the lack of communication has been beyond anything anyone has ever been confronted with ever. 
We have been tracking all of our attempts in communication as well as you have based on our letter received on XXXX 

By this point we need more than the standard answer of its in review How could it be in review if there has been no request for any type of documentation to support income etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to begin an investigation into these accounts since I am always punctual, yet they inaccurately label me as late.

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 2024-01-12 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: CA

Complaint narrative:
I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.

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 2024-01-12 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: CA

Complaint narrative:
I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.

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 2024-01-12 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: PA

Complaint narrative:
XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
They are using my for information illegally by reporting my information to companys by law 15 U.S. Code of 1666b timing of payments.

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 2024-01-12 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: FL

Complaint narrative:
My credit report from XXXX app, TransUnion and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX  XXXX  that constantly been updated. 
XXXX never updated 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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have disputed this alleged debt with Midland Credit Management. I have no recollection of this alleged debt. Therefore I refuse to pay this debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Subject : Request for Assistance with Credit Report Issue Involving XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving XXXX XXXX XXXX, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage. 

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with XXXX XXXX XXXX. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for XXXX XXXX XXXX Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - NMLS # XXXX - Website : XXXX I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Assistance with Credit Report Issue Involving XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving XXXX XXXX XXXX, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage. 

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with XXXX XXXX XXXX. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for XXXX XXXX XXXX Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - NMLS # XXXX - Website : XXXX I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief