vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX of XXXX I requested a refinance equity with cash out I was denied stating that that department was closed due to an internal covid process no Wells Fargo 's customers was allowed to apply for refinance nor get equity as a home I was under a modification which I knew I was not going to be able to make that payment for the month because of a parasite and I had to pay for an emergency XXXX in my face I advise Wells Fargo XXXX  days prior and also advise them within the next XXXX months I will be making a double payment to make up for that payment I was told that go ahead and miss that Mom the modification will be voided and I will be placed back through modification and place back on the modification that I was on this didn't happen I was forced to pay {$950.00} for the last XXXX  months on a trial modification which I told them I could not afford that I paid the XXXX on the XXXX as usual on for the last XXXX  months and by the XXXX I sold personal items pawn what I could pawn to come up with the {$200.00} I was in communication with them Wells Fargo every month advising them that I was having very much difficulty making that payment and how did they come up with that amount when I'm on social security XXXX my income is not it's half of what it was when I bought my home back in XXXX I feel like an exception should been considered and I also requested that a complaint was submitted a couple of months ago on the exact issue the problem is the reply from Wells Fargo they advised that I was under the modification of {$770.00} that's been signed in black and white and that is not true the modification is still in place I was forced to pay a modification that was not in writing for the last XXXX months or I will be pushed into foreclosure and or my review for a modification would be voided I have the proof that I paid them {$950.00} for the last XXXX  months they did not comply with the {$770.00} modification that's on file as they indicated to you in their answer of the previous complaint

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 2025-01-09 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I have received a series of emails from " Three Sticks Lending '' to my email address, XXXX and emails are to " XXXX XXXX '' ( my daughter 's name ). 

I called them today and asked them to remove my email address and they had no record of the address. 

I used the " forgot password '' from their website and was able to access the account and download the loan document. 

It has XXXX XXXX as the borrower ( with and old address and old phone number that were hers ) and my email address. 

I then told them I had the loan number and provided it. They said they have to pass me to their fraud department - but they close at XXXX XXXX. They scheduled a call back for tomorrow afternoon.

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 2025-01-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have notified Fifth Third Bank of fraudulent activity regarding a credit card opened back in XXXX of XXXX. They never closed the account and the thieves still used the card. I called again in XXXX due to increase on the credit report so they were still using the card. Fifth Third Bank assured me the account would be closed ( because they failed to due so ) and would notify the XXXX XXXX that this was a fraud account. XXXX will not clear this and has drastically reduced my credit rating. I filed XXXX disputes regarding this with no answers. I have done everything XXXX and Fifth Third Bank requested and filed a report with the government identity Theft. I froze my accounts and enrolled in XXXX membership and locked my credit. Fifth Third still allowed use of this fraudulent account. I am getting no resolve from XXXX except to ruin my good credit history. I went from XXXX to XXXX due to this dispute, Please help me stop experian from ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: GA

Complaint narrative:
This company made attempts to contact me today for no apparent reason. I don't owe this company any money and I have full medical coverage through my employer. I want all collection attempts to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

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 2025-01-09 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-09 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. 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 req uested from the list of acceptable items which only 2 are required per the Law. I have provided all of my documentation as well as victim determination letter according to 100.142 ( b ) ( 6 ) The information listed below, which appears on my credit report, is the result of that XXXX. 1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 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
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I AM ON PAYMENT ARRANGEMENTS WITH THIS COMPLANT. I WAS NOT GIVEN CORRENT INFORMATIOMN REGARDNING PAYMENT ARRANGEMENT AND THIS COMPANT PUT MY ACCOUNT IN COLLECTION ON MY CREDIT FILE. I CALLED AND SPOKE WITH A REPRESENTATIVE WHO PUT MY ACCOUNT ON A NEW ARRANGEMENT. PLEASE TAKE THIS ACCOUNT OFF MY CREDIT REPORT AS COLLECTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This account has been incorrectly classified as a charge-off, even though it qualifies as income for which I should have received a 1099-C to report. It does not represent a valid charge-off or debt and should be removed from my credit report. Additionally, continuing to show that I owe and accruing interest on an account already charged off is improper. 

jpmcb card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by TransUnion, XXXX, and XXXX. Despite initiating a dispute on XX/XX/2024, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.

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 2025-01-09 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: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, XXXX, and Equifax. Despite initiating a dispute on XX/XX/year>, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, Experian, and XXXX. Despite initiating a dispute on XX/XX/year>, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
. I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that you, as a credit reporting agency, immediately block all fraudulent, inaccurate, and false information from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are required to complete this action within four ( 4 ) business days of receiving this complaint. 
The fraudulent information in question includes the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These illegitimate accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit report. Enclosed with this letter, you will find a detailed list of the disputed hard inquiries and a copy of my consumer FICO credit report maintained by your agency, clearly displaying these fraudulent items. 
I do not recognize any of the aforementioned accounts, collections, or hard inquiries. These items were never opened, initiated, or authorized by me and are the direct result of identity theft and fraud. Attached is the FTC Identity Theft Criminal Complaint # [ XXXX XXXX XXXX  ], serving as incontrovertible proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are fraudulent. 
I demand that you take swift and decisive action to remove this fraudulent information from my credit report immediately. Failure to comply with this request within the specified timeframe will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau and pursue all available legal remedies to protect my rights and financial standing. 
Consider this your final notice to rectify this serious and unlawful issue without further delay. 
Sincerely, Enclosures : 1. List of Disputed Hard Inquiries 2. Copy of Consumer FICO Credit Report 3. FTC Identity Theft Criminal Complaint # 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 2025-01-10 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: NJ

Complaint narrative:
I'm currently reviewing my credit report and notice a cXXXXllection from XXXX reporting on my Equifax report. This account is involved in a legal dispute now and I am demanding Equifax remove it, as the other bureaus have. This creditor has NOT provided the required documentation to prove it's validity and there is an open arbitration case and I am sure Equifax does not have said proof either. The FCRA ensures my rights in any consumer dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo took XXXX out my account because they let XXXX take money that wasn't there so I had to pay that back with a over draft fee this was in XXXX I paid it back then XXXX they took XXXX again and when I tried to dispute it they wouldn't even tell me where the initial XXXX came from. Then I called them back and they said they said wells Fargo took the XXXX cause I owe them when I don't owe them when I already paid the XXXX in XXXX. I've since closed my account because I can take the chance if them taking another {$390.00} or overdrafting my account. Please someone me retain my funds.

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 monetary relief
Consumer complaint received 2025-01-09 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: MS

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 explanation