vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
My credit score is very low due to identity theft. I have multiple accounts on my credit report due to be fraudulent accounts. Ive been reaching out to Equifax about this matter and they continue to ignore me. Ive been having trouble buying a house because my credit score is very low due to Equifax not deleting the accounts, which I asked them to do. This is an inconvenience to my life if I didnt have family members to support me I would be living on the streets, thanks to XXXX I have a roof over my head for the moment. Ive sent Equifax multiple documents, such as my ID, Social security card, FTC report, Police Report, Multiple Dispute letters, also laws stating that they are violating my rights. Between XXXX XXXX they deleted the closed the accounts for good and a few days later they reappear back on my credit report! Equifax is giving me a hard time to delete the accounts. Ive since then took legal action to file a complaint and lawsuit with Equifax my lawyer has set everything up for me to do so. This is my last time reaching out to Equifax for this matter Im taking Equifax to court. Due to many laws my lawyer has taught me that Equifax arent doing their job its multiple inaccuracies on account they are not reporting the right information! Hopefully they can get it together and delete the accounts before I pursue the issue. I just want the accounts the deleted that I asked for. Also on my other Credit reports these accounts where deleted by other credit bureaus. This is an inconvenience to my life right now I just want these items deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've complained several times about the same issue Well Fargo doesn't properly investigate anything they give you the run around then deny your claim. ALL I have asked from the very beginning is to get the merchants contact information because I can't find it. I have no idea who the merchants are and what the over XXXX chargers were for. The report says internet household goods music advertising lawyer as well as other things. I want proof of the good exchanged and sent to me for ALL the money that was spent. ALL I ever get is that they found no glitch in their system and that I made the purchases. I have not received ANYTHING for the purchases and have begged for a refund to just be denied time and time again

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 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-16 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I have a home I have been paying on since XXXX. I filed bankruptcy in XXXX and was told I would be reaffirming my mortgage ( XXXX mortgages with the same company ). I believe looking at my paperwork, it looks like they both had been reaffirmed. After the bankruptcy I continued to pay both of my mortgages. My primary mortgage has had no issues, however, several months after the discharge the mortgage company refused to take any more payments on my XXXX mortgage because it had been XXXX in the bankruptcy back in XXXX. I remember the mortgage company telling me at that time that it had been XXXX in the bankruptcy and they could no longer take my money. Since that point I have continued to make on time payments on my primary mortgage only. 

Throughout the years my mortgages have been picked up and serviced by numerous different companies, too many for me to remember. Both mortgages have ended up with PHH Mortgage and have been since, I believe XXXX. 

In the past 10 months I have received a letter from a law group on behalf of the mortgage company for an XXXX XXXX XXXX XXXX, which is almost {$21000.00}. Then after I replied to that letter, I received another letter of Rescission of Acceleration of XXXX XXXX from this law group. Since then I have received numerous letters of Default which I responded to and most recently, in XXXX, received a 10 day pre-foreclosure letter along with another letter of default. 

I want to find someone that will help me fight to save my home that I have paid on for all of these years. I understand this was my debt, however when they refused to take my payment well over a decade ago I didnt know what to do and did nothing. Now they are coming after me and my home that I have paid down after 14 years with no contact or issues from them until now. I know that I have rights to protect against this kind of behavior on this zombie loan that this is a time-barred debt beyond the state of Arkansas 's statute of limitations. 

Can you please help/consult me and help me understand what my rights are and what I need to do at this point after XXXX  years? Something seems to have been screwed up all those years ago and now people are trying to cover their butts and come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XXXX XXXX Account XXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.

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 2024-09-16 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: NC

Complaint narrative:
Following 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, the accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Please delete the accounts listed below : Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax XXXX Name : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024, XXXX : Equifax XXXX Name XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXXXXXX XXXX, Date inquiry : XX/XX/2024, XXXX : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NE

Complaint narrative:
We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am writing to formally address a negative credit report that has been issued by Synchrony Bank Amazon, claiming that I have an outstanding payment of {$570.00}. I would like to clarify that I have never taken any loans, made any purchases, or accrued any debt with Synchrony Bank Amazon.

Upon discovering this negative report on my credit record, I promptly contacted Amazon to inquire about any outstanding debts in my name. Amazon confirmed that I have no outstanding balance or unresolved debts with them.

However, Synchrony Bank Amazon has informed me that a payment in the amount of {$570.00} has been recorded in my name. Despite my repeated requests for a detailed explanation or documentation to support this claim, Synchrony Bank Amazon has failed to provide any substantial evidence or further clarification regarding the alleged debt. 

Given these circumstances, I believe this charge is incorrect and unjustified. I respectfully request that this matter be investigated thoroughly, and that the negative credit report associated with this erroneous claim be removed from my credit record. 

Thank you for your 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 2024-09-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have a American Express gift card to be used at XXXX. 
I first tried to use it to reserve a room at XXXX XXXX  website, but I was unable to because the card must be worth more than the reservation, and the reservation can not be split. 
So instead I tried to use the card in person at the XXXX. I was told by the person making the reservation that they do not ever accept the Amex gift cards, and there was no way to use it. 
So I called American Express. I spent about an hour on the phone, and all the person would say to me is : 1 ) XXXX accepts the card 2 ) We can not give you a refund at this time 3 ) The full balance is still available We went around in circles be because I was told at a XXXX  that they would NOT accept the card, at all ever. 
I purchased this gift card myself and paid full price for it. Therefore, there is no reason why the amount can not be refunded to me. I have tried to use it now multiple times, both online and in person, and it was not accepted. It has wasted hours of my time. It was also a big disappointment because it was originally purchased as a gift for someone, and they also were not able to make their reservation with it so they gave it back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) 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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To : Portfolio Recovery Associates , LLC Request for Debt Validation and Cease Communication Account Number : XXXX Original Creditor : XXXX XXXX  Balance : {$23000.00} Dear Portfolio Recovery Associates, I am writing regarding the above-referenced account that you have placed in collections. Under my rights granted by the **Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c**, I am formally requesting that you cease all communication with me regarding this debt, except for the purpose of providing proof of the validity of the debt. I am also requesting a complete validation of the debt, as required under **15 U.S. Code 1692g Additionally, I believe this debt may be inaccurately reported or otherwise mishandled by your company. If you can not provide proper validation of this debt, I request that you immediately remove this collection from my credit report and cease all collection efforts. 

Please provide the following : 1. **The original signed agreement** or contract from XXXX XXXX  showing my obligation to pay this debt. 
2. A **full accounting of the debt**, including the original balance, any interest, fees, and charges that have been added since the date the debt was sold to you.

3. **Proof that your company is authorized to collect this debt** and that it was legally sold or transferred to you.

4. The **date of last activity** on the account, including any payments made, to confirm whether the statute of limitations has expired.
As per **15 U.S. Code 1692c**, I also request that you cease all communication with me, except to provide the requested documentation. Furthermore, any attempts to report or continue to report this debt to the credit reporting agencies while it is being disputed or without providing proper validation is a violation of federal law under the FDCPA. 

If you are unable to verify this debt, I request the immediate removal of this collection account from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ) and an acknowledgment of the removal in writing. 

Failure to comply with this request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action, if necessary. 

Please respond in writing to the address above within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
I am not affiliated with the creditors shown, and these inquiries were not conducted with my consent.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Called fraud department to explain my ex-wife had authorized an increase on a loan that I did not authorize or sign for. Original loan I cosigned on while we was together. 3 months after we split she changed the account to where I wouldn't receive the mail or emails and applied for an increase on the " total loan amount ''. The fraud department let me know they couldn't do anything essentially except change my email and lock the account. The ex-wife is apparently extremely delinquent on these loans ( which I couldn't have know until my credit took a huge hit, because I wasn't receiving any of the mail or emails ).

Company response to consumer: Closed with explanation