vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out to Wells Fargo as I noticed my central appraisal district for XXXX XXXX has my taxable valuation for my home at 60 % LTV. As we all know whatever the central appraisal district has your home valuated at is way lower than any actual value of a home. I reached out to Wells Fargo who is supposed to be my lender and they said that I had to choose an appraisal company that they work with specifically and pay {$600.00} to have this mortgage insurance payment removed. I spoke with a lady that says that her information is XXXX XXXX as she did not want to provide her last name and told me that it was a XXXX XXXX requirement because XXXX XXXX is my lender which is not correct. 
I believe Wells Fargo is abusing many homeowners out there that do not know that their mortgage insurance premium can be removed having people pay thousands of dollars unnecessarily and making it impossible from any families to remove the mortgage insurance premium once they qualify. We should not have to pay for an insurance that we do not need and if there is verifiable proof by XXXX XXXX XXXX there is no reason why a lender should not drop this mortgage insurance 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 2023-11-24 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: IL

Complaint narrative:
I am filing this complaint to TRANSUNION. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. 

On XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, I submitted dispute letters to TRANSUNION, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 

To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. 

I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that TRANSUNION will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.

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 2023-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX XXXX was awoken to a call from XXXX XXXX at One Main Financial claiming i owed {$4700.00}. She asked me to divulge my birthday and SSN but I would not comply. I quickly asked her to share the birthday that was onfile XX/XX/XXXX which is not my birthday. I asked her to verify the XXXX she had on file and she could not. I then asked her to spell the last name and she said XXXX. 

XXXX XXXX was deceptive and not forthright or forecoming in her communication in trying to collect a debt. I believe One Main Financial is operating outside of standard business practice and should be investigated. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: True Link Financial, Inc.
State: NY

Complaint narrative:
I am unable to date any direct action. I contacted the Trust service and she was unable to give me a password re-set link so I can I can change my PW. 
I am locked out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, an infant minor trust, is the victim of fraud. A contract between an XXXX XXXX XXXX XXXX can only be the result of coercion, misrepresentation and fraud. Any such contract is illegal and non binding. Financial institutions, acting as trustee of infant minor trust, failed fiduciary obligation. Beneficiary was billed and trustee claimed remittance coupons. I have submitted XXXX dispute for fraud to XXXX, and no relief has been provided. I am the sole equitable beneficial title holder, beneficiary of the XXXX XXXX XXXX. Beneficiarys are to receive all benefits, and can not preform any duty of the trustee.

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 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
They keep sending mail through the USPS about this debt every month, threatening me with a default on agreement. I pay them every month and they still send these letters. I have proof of payment through screenshots of my bank statements and the confirmation processed from their website. They still keep harassing me. This month they sent two letters. It is causing me a lot of stress and XXXX  and it's triggering my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: IL

Complaint narrative:
I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least 4-5 sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have filed several complaints requesting Experian to provied the vendor they claim verified the Bankruptcy on my credit report i attached documents that the courts dnt verify with the credit bureau Date Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ask for vendor name that verified the Bankruptcy the courts do not verify with credit bureau i attached document

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 2023-11-24 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: MO

Complaint narrative:
My original dispute began on XX/XX/, experian provided me a letter stating the inaccuracies I disputed were verified by the furnishers, I then requested a reinvestigation with experian on XX/XX/XXXX  which gave them an additional 15 days to reinvestigate these inaccuracies. Experian replied has taken more than 15 days to reinvestigate these inaccuracies and has not followed the rules of the FCRA of performing a proper reinvestigation. They have not contacted neighbors, friends, or family of mine for their reinvestigation or me, which makes their investigation unfair and partial. Failure to willfully comply with the requirements of the FCRA will lead to civil liabilities pursuant to 15 USC 1681n.

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 2023-11-24 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: NJ

Complaint narrative:
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 I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting 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 non-monetary relief
Consumer complaint received 2023-11-24 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: NY

Complaint narrative:
I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I pulled my credit report today from all 3 bureaus and found that GM Financial pulled my report from XXXX on or about XX/XX/2023. I never authorized this action. I have not been shopping nor have any desire to request a loan for an automobile. This was clearly done without my permission and I want this inquiry removed from my XXXX file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In your response to case number XXXX Please identify the rep who prepared the document conveniently the name is missing why did that happen? 
Additionally it appears you've been sending XXXX XXXX documents on my case tell me when that commenced and who ordered you to send XXXX XXXX documents send me any subpoena any summons any letters correspondence emails between you and XXXX XXXX at any time during this mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London
State: CT

Complaint narrative:
I received a notice from London & London stating that I owe an alleged debt to XXXX XXXX XXXX XXXXXXXX I replied to London & London as shown in the attachments that I have included with this complaint. London & London did not reply to my request but instead violated me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London
State: CT

Complaint narrative:
London & London contacted once, stating that I owe an alleged debt to XXXX XXXX  XXXX XXXX I replied to London & London as shown in the attachments. London & London did not reply to my request but instead violated me with a lawsuit. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have no knowledge of this account or inquiry

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have no knowledge of this account or inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
The company is indicating that interest is owed on the amount but no interest was mentioned in the original contract or copy of the contract the company sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-24 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: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account numbers XXXX has violated my rights. 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. states a consumer reporting agency can not furnish a account without my written instructions and Experian has been updating incorrect information 's on my reports all the time ranging from invalid addresses and accounts that I had to dispute multiple times before.

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 2023-11-24 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: CA

Complaint narrative:
Experian is willfully reporting inaccurate AND incomplete data in regard to the Article Acceptance account listed on my profile. As of XX/XX/XXXX, they continue to violate FCRA 611 ( 5 ) ( A ) inaccurate and/or incomplete reporting, 623- knowledge of errors ( because I've disputed this before ) which is punishable under FCRA 616 & 617. These are the specific violations : 1. INACCURATE- The report states " Last Payment Date '' XX/XX/XXXX. I have screenshots [ attached : EX 1 & 2 ] from XX/XX/XXXX but when you look at the payment history chart it shows XX/XX/XXXX, which is INACCURATE. As of today ( XX/XX/XXXX ) that last payment date is missing [ attached : EX 3 ]. Either way, they're both inaccurate and contradictory to what was previously reported. You can't have text say one date and payment history show another! 

XXXX. INCOMPLETE- Looking at the payment history they are not reporting data from XX/XX/XXXX through XX/XX/XXXX which makes this account and their reporting INCOMPLETE in violation of FCRA 611 ( 5 ) ( A ) ( 1 ) which states " 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 PROMPTLY DELETE that item of information from the consumer 's file. ''

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 2023-11-24 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: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX XXXX Account number 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 2023-11-24 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: OK

Complaint narrative:
I did not open this account. Keeps popping up on my credit it was already removed once and they re inserted back on my report. Also never received debt validation letter from original creditor.

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 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Served by law enforcement agent on XXXX  with a lawsuit claiming that a debt was owed to Midland Credit Management , INC And that I was being sued by Midland Credit Management INC by which, ive never done business with Midland Credit Management INC. This company has used threatening tatics and no business was conducted with said company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I made two payments to my account one on XX/XX/XXXX and one on XXXX XXXX both payments were deducted from my account on XX/XX/XXXX and the on XX/XX/XXXX. 

My bank has verified the payments were transmitted successfully and the funds were received by them. 

The payments have not reflected in my availably credit show XXXX when my available credit should be XXXX. 

I have contacted Milestone and they advise me that it takes 14 day for payments to post to your account and reflect to your availably credit. 

My bank advised me that Milestone received the funds on XXXX and XX/XX/XXXX and if they had not recived the funds the funds would not of been posted to my account by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief