vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on 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 2024-09-13 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: FL

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX 202

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 2024-09-13 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: FL

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX 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 2024-09-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide validation, and the purchase agreement to show full ownership of such account and also any other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
On XX/XX/2024 I requested a school misconduct discharge application. I was told that it would be sent to me via mail and/or email. I received a copy of the paperwork on XX/XX/2024. I filled out the application, taking considerable amount of time to be thorough and include all necessary information that was needed to support my case. I submitted my application on XX/XX/2024. I received an email stating that my application was denied on XX/XX/XXXX. The reason given was, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' .I reached out via chat to inquire about this as I believe I have met the requirements without a doubt. I will attach screenshots of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

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 all unauthorized accounts and inquiries.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My claim was denied claiming the ip address for the claim came from my address. After I showed them and told them how I lost my phone which my case is my wallet at my residence. So of course the ip address was in that location its an apartment complex anyone could have taken it and used it here. I re ordered and canceled cards upon discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has come to my attention that my credit report contains incorrect personal information, possibly due to a clerical error.

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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am submitting this second-round dispute regarding six ( 6 ) late payments reported by XXXX XXXX XXXXXXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. 

I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-09-13 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: NV

Complaint narrative:
Pacific Daylight Time Time zone in XXXX XXXXXXXX XXXX ( GMTXXXX  ) Sunday, XX/XX/XXXX i received a call claiming that they are wells fargo. they told me that somebody is using my account at XXXX and is spending XXXX and XXXX usd and wanted to confirm if that was me. so i said No. and they said they can cancel the transaction and theyll send me a new card since the only problem is the debit card. they asked me so many questjons and know many of my personal information including the last 4 digits of my SSN my email address my phone number ofc and the last digits of my card. they asked me to confirm my wells fargo app password so i said my password too. they wanted to confirm my address so i said my adddress and they said a wells fargo representative will be outside my house to get the debit card. they said if it has a silver bird the delivery will be free of charge. and so the " representative " arrived and she said the code ( gg702 ... iforgot the rest ) that the guy on the phone told me and got my card and cut it to half and departed. 

when i check my bank acc on the wells fargo app i saw my money is gone XXXXusd XXXX usd XXXX usd i called the wells fargo immediately after 30mins of the scam call that i got and i asked them to dispute it and change my savings and checking account. 

it is my first year living in america so i wasnt aware of this kind of scam i thought wells fargo is just that quick. 

today XX/XX/XXXX i called wells fargo again and asked for an update and they said that they wont dispute the money and that my case is already closed and wont be reopening it. the reason being is that they said it looks like i gave authorization for the transaction because the chip on the debit card can not be copied and they can only get money if the debit card is present. i told them that of course they have my debit card because some lady took it pretending to be wells fargo. it looks like they are blaiming me and will not dispute my money i already filed a police report. i cant believe that i have to go through all this just to prove my innocence. im the victim.

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 monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX {$920.00} According to 15 USC 1692c ( c ) this law clearly states. If a consumer notifies a debt collector that consumer refuses to pay a debt the debt collector must cease all communications. Reporting this to my credit report is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am requesting a written document that explains what type of modification trial I was approved for in XX/XX/XXXX. 

What date did the modification trial start? 

How long was the modification trial for? 

Did the MODIFICATION trial fail? 

Attached XXXX Mortgage Statement showing the monthly amount due and current interest rate of 4.25 % fixed ( XXXX XXXX XXXX XXXX XXXX  FHA fixed rate program ). 

XXXX XXXX XXXXtreasury.govXXXX

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 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
My total mortgage payment was very reasonable since I am retired and XXXX income. Recently I received a new statement with the intent to raise my mortgage payments by XXXX percent. I do understand it's because of escrow shortages but my problem with this raise is that someone was not monitoring the account and insurance/taxes to let it get XXXX dollars negative. Now I have to make up this shortage surprise because the increases were not caught Early enough. A XXXX percent increase a month is departmental to my monthly fiance. Should have been caught earlier with smaller increase for escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-13 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

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 : XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation