vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: WI

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-05 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:
I, XXXX XXXX XXXX XXXX, am writing this compliant to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without my permissible purpose and in violation of my rights as a consumer. These hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I kindly request that Equifax to remove these hard inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C 1681b ( f ) ( Permissible Purpose ). I am attaching a formal letter from XXXX XXXX to remove the unauthorized hard inquires. I have brought this matter to Equifax 's attention via telephone and when disputing the hard inquiry on my Equifax account, however there has been no resolution to this matter. 

I believe that the inquiries made by the aforementioned businesses were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with the companies involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms, nor did I sign any documentation to run my credit report as a hard inquiry multiple times. 

15 U.S.C 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment background checks, and account review by existing creditors. The companies in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. 

If no permissible purpose can be established for one or more of the inquiries, I request that Equifax takes the necessary steps to have these hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Debt collection just kept being transferred to another even though Id set up pymt arrangements. Didnt give no company permission to sell the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid one year insurance to XXXX XXXX  at closing on XXXX XXXX. Wells Fargo informed me by email on XX/XX/XXXX  that I did not have insurance! They waited one year and then forced a {$4500.00} policy onto my loan. XXXX XXXX  was not aware that the company they chose had cancelled my insurance. The check was cashed but evidently I was not covered. As soon as I received the email from Wells Fargo, I called my XXXX rep and was insured by midnight that night. Well Fargo backdated a policy and added it to my loan! I did what I was supposed to do at closing and I am being penalized for what an insurance company did with my money. So now I am paying {$7500.00} for a XXXX sq.ft. house!!!! 
I am a widow on social securtiy and this maneuver by Wells Fargo has to be illegal! I am being penalized and I did nothing wrong. My mortgage balance is now more than I originally borrowed! My mortgage payment went from {$1600.00} per month to almost {$1900.00}! I just looked at my account and now it went up agin for XXXX to {$2000.00}!

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I called XXXX XXXX XX/XX/2024 to verify a charged off account on XX/XX/2024. I spoke to a representative and gave my social security # to access the account and the account can't be found. This account XXXX XXXX obviously does not exist and the account should be deleted. 

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 2024-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 a 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 An 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 ) ( 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2024-02-05 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am receiving emails from Experian that are for another customer. I do not have a current account with Experian, which may be why my email address is some how associated with another customer 's account. This has resulted in the reception of security alerts, and other notifications meant for someone else ( I can provide the name and ID number upon request ) without a method to opt out or correct the issue ( since I do not have an account for the products in question, and no way to log into the platform ). 

The company also does not provide a clear way to speak to a human representative or resolve this type of issue. Emails are not monitored, and I'm instructed to seek help on the website. When I use the website, and call the posted contact number XXXX, the menu options prevent me from speaking to a human to clear up the issues I am facing.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I paid off {$960.00} on my credit card balance with Wells Fargo. 
On XX/XX/year>XXXX  Wells Fargo flagged my account as 30 Days Past Due on my credit report with a {$960.00} balance due. However, this is inaccurate as I do not owe a balance. Therefore, I am requesting that this inaccurate report be removed from my credit profile 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I had asked Sunrise to stop contacting me about a debt that is not for me. They still continued to contact 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 2024-02-05 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was made aware of fraudulent transactions on my account with Golden One when I received a notification letting me know I was late on a payment. These transactions posted to my account between XXXX for a total of {$1000.00} by usage of my credit card. Please note that prior to these transaction I had a {$0.00} balance. I did report this to the bank as soon as I found out and a claim was opened Case XXXX XXXX. However, on XX/XX/2024 I received an email notifying me that they had determined no error occurred as the services were rendered by the merchant listed in the dispute and physical card was present where the CHIP was authenticated at the merchant 's terminal and the card was in my possession. I did not physically make these transactions nor did I authorize or lend my credit card to anyone. I have filed a police report so that I may provide that to Golden One and currently still pending a policy report #. Never did I think my card was being used unauthorized due to the fact that I never lost the card and still have it in my possession. I called Golden One to appeal the decision but was told there was nothing else they would do to further the investigation nor could they provide any additional information such as footage. I have never had a late payment, my credit history is perfect, and my credit score is above XXXX. I'm extremely disappointed in the decision they've made as per my research its very possible that the card could have been duplicated. Please help. 

Thanks, 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 2024-02-05 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: GA

Complaint narrative:
Experian is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to experian and neither did I XXXX XXXX provide information or give them permission to report 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are a number of mistakes that re being reflected on my credit report and it has had a very negative affect on my life. The inquiries that are being re ; ported were never verified and I never gave my permission to the bureaus to share my information on these dates with these companies, I am in credibly disappointed that this can happen and need to correct this at once.

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 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I was in the COVID 19 forebearance plan during the Covid times This lender placed me into FORECLOSURE when I was under COVID 19 plan and charged me numerous fees.

I want these fees reversed and deleted from my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am asking for this company to be held accountable this is not acceptable I ask this company to remove someone else information on my comsumer report. This company claim they are not able to authenticate and they are not legible so i just made my license out of thin air this is groungs for a lawsuit as I submit the same proof of my identity as I did with you so I think this company should be held accountable.If this is not removed I will practice my right to sue LEXISNEXIS for having information that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This collection XXXX XXXX XXXX account XXXX XXXX gas of XXXX  regional  creditor I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Upon review of my credit file, I noticed inaccurate information. On XXXX XX/XX/year>, I set a debt validation letter to this company. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. An account summary was sent out 6 Days later. At this point I did to receive verifiable proof that I committed to a contract. A second letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 6 Days later. At this point I still have not received verifiable proof that I committed to a contract. A third and final letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 7 Days later. This company has failed at providing me a contract that I physically signed and what the amount is for. Is this a made up amount? That is what I would like to know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I got a divorce in XXXX and was with XXXX XXXX after divorce it should have never changed hands with a refinance I never agreed to a different mortgage company I don't even think I was loan any money for the refinance and have never paid XXXX bank a red cent every and they say they've been my bank since XXXX it is a scam and fraudulent the hole way through take a look what's been recorded under my name on my property both addresses XXXXXXXX XXXX XXXX and XXXX XXXX  same place same house but they use both to confuse and conflict as well as my name XXXX XXXX and XXXX XXXX same person as well as if I was married at time of record I was married XX/XX/XXXX divorced XX/XX/XXXX and conveniently my deed is lost now but recorded XXXX after divorce

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I received notice that my PMI is eligible to be removed and to give Bank of America a call. I called that day, and they walked me through the process. They wanted me to mail them a check for {$150.00} for the appraisal which needed to be done for the value of the home. I asked if they could draft my checking account. it is instant and I was giving them permission. They said they can not do that, ok fine. I received the letter and pre-paid envelope. I filled out the form and wrote the check and mailed it back. this was the week before XXXX. I called back start to XXXX. I spoke with a rep, and they informed me that the check was not received I confirmed check was never a cashed. they somehow lost it. My case was escalated and to call back next week they would have an update then. I called again and was told no updates they are still looking for it. I requested again to just draft the money out of my account and to get this going. they said they can't. I asked them to mail me the forms again and I would fill out another check. End of XXXX and I have not received the new envelope. I called Bank of America on XX/XX/XXXX and requested to speak with a manager, they said they will have them reach out to me. Have not heard from them once. I find it unbelievable that its XXXX and they want me to send them a check in the mail, they lose it and now I'm still waiting for them to mail me. Bank of America is so big that it isn't worth my business. I am just a number, and they could care less. Been with BOA for almost 20 years! PMI is {$90.00} a month and I could use this money for my bills, but they don't answer back, the reps on the phones can't do anything to help and I don't have any other options.

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