vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my credit report and noticed and account that was not reporting accurately. I had XXXX late payments that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was in XXXX  in XXXX, due to Wells Fargo trying to foreclose on my home. I tried making a loan payment to Wells Fargo in XX/XX/XXXX and I was informed that they no longer serviced my loan and I should get a letter from the new servicer. A letter from Wells Fargo was sent to my XXXX  attorney informing me that servicing of loan was transferred to XXXX XXXX  as of XX/XX/XXXX, and that XXXX XXXX or XXXX  would be the new creditor. My original loan Lender was XXXX XXXX XXXX  with XXXX as the beneficiary. Since XX/XX/XXXX I have received numerous different letters from XXXX about transferring the servicing to themselves in many different ways, after many conversations through email with XXXX about different topics of concern I had and asked for explanation on and they could not provide to me, I grew concerned if they actually even owned my Promissary Note. therefore I started to research through my County Recorders office on Deed of Trust filings and through XXXX  for assignments of my MERS number and I found that the last entry I see in XXXX  is with Wells Fargo and my XXXX  number is inactive. I believe that XXXX has been misrepresenting themselves as owner of my loan note when they actually do not. I have since requested that they stop communications with me and to provide me with a verification that I owe them a debt, by providing me with a copy of the contract or any documents showing valid purchase of my note. I just received a letter from LOGS Legal on XX/XX/XXXX NOT XXXX stating that I am in foreclosure through XXXX and to contact them in regards to the letter received. I am concerned that they are trying to sell my property illegally through an auction or something similar when they have no grounds to do so. I need someone to help me with all this misleading 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 2024-11-14 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: GA

Complaint narrative:
XXXX XXXX  XXXXopen date is not reporting correctly XXXX XXXX XXXXopen date is not reporting correctly

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 2024-11-14 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:
My report lists hard inquiries I didn't approve, contrary to 15 USC 1681c-2. These need removal as they affect my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MO

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

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 2024-11-14 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: NY

Complaint narrative:
Recently checking my credit report and I've noticed that I've been a victim of identity theft and found credit inquiries I have no knowledge of here are the inquiries that I've found : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove fraudulent inquiries 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After checking my latest credit report, I found multiple accounts that seem incorrect and unauthorized. Kindly take immediate action to block and delete these fraudulent accounts.

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 2024-11-14 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Mortgage payment check was mailed via Post office XX/XX/XXXX for XX/XX/XXXX due date with XX/XX/XXXX grace periodXXXX XXXX claims check was not received and processed until XX/XX/XXXX, requiring a late fee of {$38.00}. They do not permit any courtesy waiver of late fees despite two calls today to a representative of company and his supervisor, " Shy. '' On or about XX/XX/XXXX, concerned that check had not yet cleared, I called a company representative and discussed my concern and was told I should wait longer for check to clear as delay could be due to Post Office or interior processing system. The call was to be reported and available should a late fee be assessed. I assumed they would honor my efforts to mitigate the problem. I promised that I would thereafter no longer mail checks but pay directly on line. There have been no other payment issues since I have been with XXXX. I paid XXXX 's mortgage on line today on XX/XX/XXXX, when I discovered that a late fee remained. 
Today, the company claims that my XXXX conversation was not on file as I was told and that it occurred later than my date of XX/XX/XXXX or thereabout. This response does not fit my recollection, as I was told to wait several days longer and the check finally cleared on XX/XX/XXXX. 
I considered problem solved until today. I have learned that XXXX claims it is not a bank and is only a servicing company on behalf of Bank of America and can essentially make its own rules about consumer affairs regarding late fees. 
I intend to also appeal by email to the company once an email is provided, if it appears. I will consider a Bank of America appeal as well. I do not understand that a bank can subcontract out to a third party, such as XXXX, and shield itself from consumer complains.

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 2024-11-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year> @ XXXX I went to XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to withdrawal Rent money from the ATM. There were no signs saying the ATM was down or having any issues. I put my card into the atm like normal and proceeded to withdrawal {$300.00}. The atm did not give me the {$300.00} cash but did show on my bank. I waved over a worker who told me that I would need to call XXXX XXXX the owner of the atm ( XXXX ) at XXXX. After speaking a lady with XXXX XXXX for XXXX and XXXX. She stated that I would need to call my bank and ask for a charge back. I then called Chime ( stride bank ) XXXX. I was on the phone with the lady for XXXX and XXXX secs. She told me she would have the issue resolved and the money would be back in my account on XX/XX/year>. On Tuesday XX/XX/year>, the money was not yet back in my account. I called Chime again to see what the issue was. The man I spoke with said he has no record of me calling and that there was not a dispute for my claim. I did have to go through and explain what had happened. I submitted the screenshots where I has called both the XXXX XXXX and chime with dates and how long I was on the phone. I did also submit the screen shot from where it was showing on my bank. On Thursday XX/XX/year>, I got a notification saying my dispute was denied due to lack of information. I called chime at XXXX and was on the phone for XXXX and XXXX. At this point I did reopen my claim. The lady said that it would take up to 10 business days before I would know anything. I asked if there was a way they would send me an email to give me a reason and the work they did for this investigation. I have not yet received this email. I Called the XXXX number back again at XXXX was on the phone for XXXX and XXXX sec. The man I spoke with checked notes and stated there is an open case but nobody has reached out from Chime regarding this case. I called Chime back again at XXXX was on the phone for XXXX and XXXX to see why nobody reached out to XXXX XXXX but they denied my charge back. He could tell me why but did take the case number and the XXXX number to add to the notes for open case. He again said it would be up to XXXX business days before I would know anything. 

On Tuesday XX/XX/year>, I did go to XXXX XXXX Police station to file a report. At this time, I am waiting for this to be finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: LEXISNEXIS
State: MI

Complaint narrative:
I have for years ask XXXX by phone to remove the he false advertisement that illegal XXXXXXXX XXXX mortgage scam XXXX XXXX XXXX fake XXXX XXXX and both XXXX on your records whereas century XXXX and XXXX XXXX XXXX XXXX claiming a sale for my property occurred XX/XX/XXXX for XXXX where as his corrupt attorney XXXX XXXX XXXX XXXX says they purchased on XX/XX/XXXX for XXXX and convinced judge XXXX XXXX XXXX XXXX XXXX XXXX did. I file grievance against her as XXXX XXXX XXXXXXXX pending since XX/XX/XXXX. He also cash two escrow account checks in my name one on 3XX/XX/XXXX and one was Mail out XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX said a guy name XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file for loan XXXX. LexisNexis concluded tradelines chase bank resolve XX/XX/XXXX. Other false information by XXXX XXXX on loans and the courts included he used two fake titles one as computer professor at schoolcraft college and doctor in XXXX to which both I reported and he got fired. Also to XXXX XXXX are informed by chase identity theft department XXXX XXXX XX/XX/XXXX that he stole my identity and he assigned claim XXXX and I reported the stolen checks to XXXX police as XXXX to det. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have for years ask XXXX by phone to remove the he false advertisement that illegal XXXXXXXX XXXX  mortgage scam XXXX XXXX XXXX fake XXXX XXXX and both XXXX on your records whereas century 21 XXXX XXXX XXXX XXXX XXXX claiming a sale for my property occurred XX/XX/XXXX for XXXX where as his corrupt attorney XXXX XXXX XXXX XXXX says they purchased on XX/XX/XXXX for XXXX and convinced judge XXXX XXXX XXXX XXXX XXXX XXXX did. I file grievance against her as XXXX XXXX XXXXXXXX pending since XX/XX/XXXX. He also cash two escrow account checks in my name one on XX/XX/XXXX and one was Mail out XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX said a guy name XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file for loan XXXX. XXXX concluded tradelines XXXX XXXX  resolve XX/XX/XXXX. Other false information by XXXX XXXX on loans and the courts included he used two fake titles one as computer professor at schoolcraft college and doctor in XXXX to which both I reported and he got fired. Also to XXXX XXXX are informed by chase identity theft department XXXX XXXX XX/XX/XXXX XXXX he stole my identity and he assigned claim XXXX and I reported the stolen checks to XXXX police as XXXX to det. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
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 XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2024-11-14 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: SC

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief