vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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:
Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.

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 2024-02-18 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: GA

Complaint narrative:
Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove.

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 2024-02-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There was a charge made on my card on XXXX on my card at XXXX XXXX  for {$1000.00}. I did not use that card at the time and was not checking it. I disputed the charge in XXXX when I saw it I called and opened a claim telling them it was not me. 
They supposedly did an investigation and said the charge was me and put the amount back on my card. I called and disputed it again. Told them to send me a signature proof or images of me making the purchase since I was physically not possible for me to be at this location to make the purchase and it was not mine. 
They said they would look into and and I just received my statement and they put the amount back. 
Its not me. What can I 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, Shellpoint ( NewRez Financial ) continues to not post payments in a timely manner. Now this company sends notices with data that is not accurate. Now the notices have on the back of the payment indicating current and past as " unpaid balance. '' The current can not be an " unpaid balance '' when it is not due, giving the impression that the balance it not paid. 

Additionally, it indicates " overdue payment, '' when that is not accurate. To date, the XX/XX/XXXX was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received and was delivered to address and ready for pick-up XX/XX/XXXX. 

Lastly, Shellpoint ( NewRez Financial ) requested insurance for the property and that was faxed on XX/XX/XXXX, and a confirmation was received for the same date regarding the fax regarding insurance, yet another notice was indicating they have not received the requested insurance documents. 

They continue and it appears deliberate attempts by Shellpoint ( NewRez Financial ) to delay the posting of payments, sending multiple requests for the same documents, in all attempts to defraud the customer and this needs to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
Affirm left a negative impact on my credit through the credit bureaus. They didnt call me after the due date and they didnt email me. I checked my credit and found out that they put a negative impact on my credit and in the state of Oklahoma thats illegal. In the state of Oklahoma they have to take me to court before they can touch my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Copy B of IRS Form 1099-C Cancellation of Debt filing was sent to me by your company ( copy attached ). Please update the account ( account XXXX XXXXXXXX ) to reflect that the account has been paid in full. Also, update all credit reporting agencies of accounts being paid in full. Thank you!

Failure to Act will be reported to IRS as well as other governing bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I already submitted a complaint through the CFPB but something else happened afterward. A few days after my complaint was sent to BOA, I got a voicemail on XX/XX/24 from BOA saying I would be getting a {$3500.00} credit back to my Visa card. I saved this message and sent a copy back to BOA to prove what I keep telling them is true. The message said the credit would appear on my account by XX/XX/24 but it never did. BOA is the one who initially made the mistakes in denying my claim in the 1st place because they didn't notice the merchant and 3rd party were different people and they didn't notice my signature had been forged on the electronic receipt from the merchant. BOA has promised to credit my {$3500.00} back twice now so they should keep their word and give me my money back 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 monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
An account with Chime was opened in my name. They even sent me a debit card. Whenever I call to speak with someone and explain that I never opened an account, I can never get a live person. Its always automated. And there isnt an option for fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate XXXX XXXX XXXX fraudulently using my name. 


XXXX balance : {$1700.00} XXXX balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXX XXXX XXXX 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & Experian credit Bureau XXXX # XXXX I am currently waiting for inquiry and response.

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 2024-02-19 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-02-18 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: PA

Complaint narrative:
The information reported on my consumer report is not accurate, complete, true, and accurate. Reporting such information is misleading and a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On or around XX/XX/XXXX I requested and received a three month forbearance on my mortgage. I was transferred long distance for work and had attempted to sell my home. Not a single person requested to tour it, much less buy it. 

On XX/XX/XXXX I contacted PNC 's Loss Mitigation department to begin the mortgage modification application process. At that time, I was told to wait until closer to the end of my forbearance period. I pointed out that the source of my hardship, a long distance move for work, was not going to resolve if given more time. They still insisted that I wait to apply. I would later find that my instinct was accurate, and I should not have waited to begin the process. 

On XX/XX/XXXX I began the mortgage modification application process as advised by PNC mortgage. 

On XX/XX/XXXX, I received a letter confirming from PNC Mortgage that my application was complete. This letter states : " You are entitled to the following foreclosure protection because we have received your complete application. PNC can not make the first notice or filing required to commence or initiate the foreclosure process under applicable law before evaluating your complete application. '' On XX/XX/XXXX, PNC Mortgage requested additional documentation. I immediately submitted that documentation on XX/XX/XXXX. 

On XX/XX/XXXX, PNC Mortgage commenced the foreclosure process despite the existence of a complete application. 

On XX/XX/XXXX, PNC Mortgage reported the account delinquent to the credit bureaus, resulting in a 120+ point drop in my credit rating. 

On XX/XX/XXXX, the credit analyst reviewing my application requests additional documentation, thus rendering y application incomplete. This request for additional documentation from PNC mortgage was not communicated to me at any point by mail, phone, or e-mail. 

On XX/XX/XXXX, I received an e-mail from PNC Mortgage that mail that had been sent could not be delivered due to an incorrect address. The e-mail from PNC Mortgage requested I call to provide the correct address. I called PNC mortgage at the number provided and the customer service agent belligerently denied that any e-mail had been sent or that any mail had sent or returned. She also forcefully insisted that PNC mortgage had my address correct. 

On XX/XX/XXXX, I was told by a different customer service agent that PNC Mortgage had attempted to send a " Demand Letter, '' the first step in the foreclosure process, but this letter could not be delivered. This directly contradicts what I was told on XX/XX/XXXX. Additionally, initiating the foreclosure process despite the existence of a complete application is a violation of foreclosure protections afforded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo refused to give us back the extra money {$27000.00} we paid while on XXXX XXXX Otherwise, Wells Fargo said that we owed them {$19000.00} plus escrow while in XXXX  XXXX and didnt say anything to the court. Also, Wells Fargo tried to collect from us {$210000.00} that was removed by court order. When we called them to discuss it they kept telling us that they couldnt understand us because of our language accent that is discrimination. We were forced to pay a lawyer to deal with Wells Fargo for us. We paid for our homeowner insurance however Wells Fargo still charged us escrow for homeowner insurance.

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 2024-02-18 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: FL

Complaint narrative:
Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt.

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: HI

Complaint narrative:
On XX/XX/14 XXXX credit karma froze my account for my protection. I submitted all my documents they asked to verify my identity. Its been 2 weeks and they still haven't resolved this issue. They only communicate through email and havent said anything but request for my info .i been struggling to survive with my XXXX  as all our money is frozen.i been trying desperately to fix this immediately. But credit karma have not been replying to my emails .its very difficult to get any information regarding my issue and its unfair and unprofessional. Me and my XXXX  are struggling to survive without access to my account. So i begging you to pls help me unlock my credit karma spending account immediately pls. I cant go another week. Its inhumane. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
My car was stolen at XXXX XXXX early morning on my way to work. I am now fighting tickets and credit accounts that I did not create. I am living a nightmare trying to get my name straightened out.

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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
on XX/XX/XXXX Unifour financial hired a third party non affiliate to repossess XXXX XXXX charge a vehicle that was financed through the company. the company stated the reason for repossession was due to lack of insurance. on Tuesday XX/XX/XXXX I spoke to a representative over the phone that exclaimed that the car did not have insurance, I expressed the vehicle did have insurance. it was not discovered until I called on the XXXX after the repossession, that unifour financial team was able to determine that the vehicle did have insurance which would make the repossession one that was false and misleading. 
pursuant to 15 usc 6802, 15 usc 1692f ( 6 ) Unifour financial has violated my consumer rights. along with causing time to be missed for work, picking kids up from school etc.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation