vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: PA

Complaint narrative:
These accounts are not mine- XXXX XXXX XXXXXXXX

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 2024-06-02 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:
These accounts are not mine- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXXXXXX, opened XXXX XX/XX/XXXX, # XXXX, an installment account at XXXX XXXX XXXX, opened XXXX XX/XX/XXXX, # XXXX, and a unknown account at XXXX  XXXX XXXX XXXX  opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-06-03 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: TX

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-02 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: TX

Complaint narrative:
Have not been truthful about accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This all started my 1st loan Mod, where they said if I paid for 12 months, they would take XXXX off of the total, unfortunately I tried to make my payment on-line and was denied this opportunity, I called approximately 15 times trying to at least unlock my online account to no avail, I spoke to a supervisor, that was very rude at the time and they told me there was nothing they could do about it, I immediately assumed something was wrong, especially since Wells Fargo would be $ XXXX liable, this figure would have sufficed at the time an brought me current and I would be on on schedule to make all of my necessary payments to keep current with my mortgage, I know, if provided the opportunity this could all have been alleviated and I have spent a lot of money trying to rectify this entire situation and I know I have been treated very unfairly during this whole process since this entire issue transpired. I feel they were not dealing with me because they did not want to honor the government money they were going to, or did in fact receive on my loan, I think this should be investigated as a side-note. I would appreciate someone reviewing all of my documentation that I will be uploading that I spent the past 6 hours putting together, as well as the 100 's of hours spent getting information together for court cases, XXXX XXXX filings, and documents needed to not only obtain a lawyer, but to provide al of the necessary documentation to continue this course of action to keep my home. After this whole ordeal, they sold off my mortgage to XXXX they refused to work with me as you will see from all of the attachments I will include in this complaint/notification, I am always available for any questions or concerned via email and this information can be found on my login 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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Im a loyal discover member I deposited money in my discover bank back in 2021 back in XXXX. 
XXXX XXXX XXXX  TAKING MONEY OFF MY DISCOVER ACCOUNT REVERSAL OF ACH DEPOSIT CAUSING ALL MY DISCOVER BANK ACCOUNTS TO CLOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX  - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. Experian is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? Experian, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
am not liable for this debt with Jefferson Capital Systems LLC. I do not have a contract with Jefferson Capital Systems LLC. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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 request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account 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 2024-06-02 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: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius global solutions XXXX XXXX {$370.00} I don't know why this collection is on my credit report. I haven't done any business with this company. A collection doesn't suppose report open on a credit report. 
They don't have my signature nor did I sign a contract with this company.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
Date XX/XX/year> Transfer Amount {$490.00} Service Fee {$7.00} Card Ending in [ redacted ] Debited Card Ending in [ redacted ] Credited Confirmation No. [ Redacted ] I have redacted the information I have been advised to not post in here, per the verbiage on this page. 

Issue : Began going through the steps to initiate a transfer to my external account from my XXXX Checking. 
I noticed a {$7.00} fee being assessed, so I pressed cancel, not consenting to the transaction. I then received an error message, and at the same time, an email indicating the transaction went through and I was assessed the fee. 


Action taken by myself : Contacted XXXX Debit, using the phone number listed on the email of XXXX. Spoke to a dispute agent and an escalation agent within the disputes area to identify if I should dispute the transaction or just have the fee refunded, Was advised I can only dispute the transaction, but it may take 20 business days, IF they fix the error and have the funds pulled back. This would cause me to not have use of the funds for that entire time since they may be taken back. I plan on purchasing the vehicle and those funds are going towards the down payment, so I can't wait. 

I was transferred to a customer service agent and was advised initially they would not be refunding the fee. 

In all three calls, I mentioned this is a UDAAP violation. No representative was willing to reverse the charge due to bank error. All agents alleged I was at fault, even though I explained the issue clearly and offered evidence. At ni time did anyone want the evidence I offered or showed any desire to initiate an investigation to ensure this issue doesn't happen to others. The last agent finally reversed it, but kept saying it was my fault and it was reversed as a courtesy and the reversal has been processed. I took argument at the fact a courtesy refund is being used for a bank error. What if I make a mistake in the future? If I ask for a courtesy, I will be denied, creating a UDAAP issue wherein I'm not receiving the same benefit as others. 

I believe this agent to be lying since she then stated it was changed to a bank error, all within a second. 

None of the agents appeared to care about the UDAAP allegation or the allegation of a bank error. I was unable to avoid this fee as a reasonable consumer would, following normal steps, due to bank error. Please note the time of the transaction in your system, the time on the email and the time on my phone.

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 2024-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inquiries on my consumer report that I do not recognize. I am attaching a letter that contain all of the information that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
I have made multiple attempts to contact the ombudsman department for an answer to a request for a repayment plan that was more affordable for me to repay past due amount that accumulated during a Covid forbearance. This request was based on responses SPS made to the CFPB in my previous complaints filed pertaining to this issue. The last response that was made by SPS to CFPB did not address my request or gave any response. I was told in the last contact that they would not give a response in writing if there was no offer reached to make my repayments reasonable. 

Furthermore, every time i call the ombudsman department, they ask me the same questions about my request like it was the first time I was calling about the issue. They state that they are submitting my request to the investor for a response, but I have yet to receive any response to this request, and it has been now XXXX times I have made a request for a more affordable payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: MI

Complaint narrative:
did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS

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 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC opened an unknown account on my credit report as the original lender on XX/XX/year> for the amount of {$620.00} and I never had an account with them. 
I called them multiple times and asked for verification of debt owed and original documents proving that I owe debt and they hung up in my face multiple times. I asked to speak to someone higher and they put me on hold and disconnect the call. I asked multiple times for them to provide proof or remove account completely off my credit report from all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) I have disputed this account several times and it has still not been removed. I ask that this account be closed and removed from my credit profile with all 3 credit bureaus ( XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the deletion of XXXXXXXX XXXX XXXX XXXX  ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by XXXX and Experian XXXX but {$0.00} by XXXX. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by XXXX and XX/XX/XXXX reported by Experian and XXXX. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by XXXX and Experian XXXX and XX/XX/XXXX by XXXX. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention 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
Consumer complaint received 2024-06-02 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: MI

Complaint narrative:
did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief