vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.

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 2024-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence. 
All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you cant provide these items Delete them. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I contacted Wells Fargo XX/XX/XXXX to find out if I was a member of the class since my husband had a loan remodification denied or actually no response ever was made on it and then they foreclosed upon his house and then he died shortly after that in XXXX. The deed had been put into a trust to care for me and my son after he passed away. Then when all of the press came out last year with how their computer glitch denied a lot of people who asked for loan remodifications who lost their homes, I checked into it and I contacted Wells Fargo at their executive office. I was communicating with a couple of different people there including XXXX XXXX. I had finally found a check of my husband 's with the account number and I found records online proving the deed was transferred to the trust. I emailed those documents to XXXX XXXX and then suddenly they stopped communicating with me. I had evidence the trustee sale occurred after it was placed in the trust and how it was bought by somebody else. Last week I talked to XXXX XXXX on XXXX, XX/XX/XXXX at around XXXX. He confirmed that XXXX XXXX still worked there, but the case was closed. They closed the case so I would like to for somebody to contact Wells Fargo to get an answer whether I'm a member of the class. I believe I am. I began communicating with them in XXXX of XXXX. I had never been told that they were closing the case. Once I called and they looked up the account number on the bottom of the Wells Fargo check I had and couldn't find the account. I was told by a friend who works in banking and mortgages that it was archived and that's why they couldn't find it. I told XXXX XXXX I wanted it reopened and he told me to fax everything to Wells Fargo instead of emailing it. I'm pretty sure they're just avoiding me and I've also contacted the law firm that's handling all of the claims for the settlements and I have contacted them multiple times and they have not gotten back to me at all. All I get is a voicemail, so I need your help, please, before it's too late. Thank you, 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 explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-02-14 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I need some help. Ive looked at my credit report back in the month of XX/XX/2023. And noticed some things are inaccurate. Per the FCRA when a consumer reporting agency prepares a report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These are the accounts of my concern are not complete and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Lastly, 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. 
Ive attach the document ( I also sent a Picture of my identification/ssn and a utility bill to the consumer reporting agency ) I sent my letters several times via usps over 9months to the reporting agency, and over and over I keep getting this notification from them, with no results. We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. 
Ive called to see what is prompting them to keep sending me this letter/email and no one can seem to tell me.

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 2024-02-14 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX is wilfully reporting inaccurate information and a Charge Off on my Consumer Reports. I spoke with a XXXX agent by the name of XXXX  and she refused to remove the Chargeoff from Consumer Reports " stating MIDLAND CREDIT MANAGEMENT bought the debt '' ; however, my Consumer Reports have no reporting from MIDLAND CREDIT MANAGEMENT. ALL parties above-listed are conspiring and are in violation of my Consumer Rights and the FRCA for their negligent false reporting, damaging my reputation and ability to provide for my family. Remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. See the attached updated Credit report as proof of the blatant violations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
On XXXX XXXX,2019 Loan Depot failed to provide information about securitizing pooling/sold the loan as a mortgage backed securities to Ginnie Mae ! Missing disclosure of information on amounts paid to Loan Depot llc from the government National Mortgage Association ( GNMA ll )! Securitization structuring the issuer as a special purpose entity and then transferring the underlying assets from the originator to the issuer is a true sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MA

Complaint narrative:
This letter serves as an expression of utmost frustration and dissatisfaction regarding the current state of my Chime account. I have been a loyal customer of Chime Inc for over XXXX XXXX. However, my recent experience has left me severely disappointed and inconvenienced. 

As of now, I have been unable to access my Chime account for an undisclosed period due to what appears to be a misunderstanding regarding a series of refund payments from a legitimate company, I rightfully requested a refund. In response, they promptly refunded me {$2700.00} in the form of nine {$300.00} payments. 

To my shock and dismay, these entirely legitimate transactions have triggered an alarm within the Chime Inc system, resulting in the arbitrary freezing of my account. This action has not only disrupted my financial stability but has also caused significant distress to myself and my wife, as we solely rely on Chime for managing our finances. The implications of being denied access to our funds extend far beyond mere inconvenience ; it jeopardizes our ability to meet essential expenses, manage daily transactions, and uphold our financial responsibilities. 

Furthermore, I am deeply troubled by the lack of communication and transparency regarding the status of my account. Despite numerous attempts to rectify this issue through Chime Inc 's customer service channels, I have been met with unhelpful responses and a frustrating lack of progress. As a valued customer, I expected better treatment and a more efficient resolution process. I have submitted them with required documents almost 9 times now and they still haven't been able to address the issue. 

I implore Chime Inc to take immediate action to unfreeze my account and restore access to my funds without further delay. The continued blockade on my account is causing undue hardship and severely impeding my ability to conduct my affairs. Additionally, I expect a thorough investigation into the circumstances surrounding the freezing of my account and seek assurance that such unwarranted actions will not be repeated in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
In accordance with the Fair Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items 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 ) ( 1 ) 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.

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 2024-02-14 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: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have opted out of having my personal non-public information being shared with unauthorized third parties and yet my information is still being shared. My CFPB complaint number is 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 2024-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have opted out of having my personal non-public information being shared with unauthorized third parties and yet my information is still being shared. My CFPB complaint number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 [ XXXX, Equifax, XXXX ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX  - Account Number : XXXX DEPT OF ED XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA. 

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus. 

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2024 [ XXXX, XXXX, Experian ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX  - Account Number : XXXX DEPT OF ED XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : 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 XXXXXXXX I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA.

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus. 

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

Sincerely, 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 explanation