vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened aXXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-28 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: TN

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-28 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: WA

Complaint narrative:
My credit score has dropped significantly due to multiple fraudulent accounts appearing on my report. These accounts were opened without my authorization, and they are severely impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXXXXXX XXXX  XXXX Additionally, this complaint includes Klima, Peters, & Daly PA, a separate collection agency involved in these attempts. Despite repeated requests, neither XXXX XXXX XXXX nor Klima, Peters, & Daly PA, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or Klima, Peters, & Daly PAs claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued. 

Despite these legally valid and reasonable requests, no such documentation has been provided by either XXXX XXXX XXXX or Klima, Peters , & Daly PA. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ), both of which require debt collectors to validate a debt upon the consumers request. 

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated. 

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by XXXX XXXX XXXX and Klima, Peters, & Daly PA comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity. 

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I recently discovered a bank account and balance associated with XXXX that do not belong to me. This is a case of fraud and identity theft. I have received numerous letters from XXXX advising the removal of this account. 

Additionally, the XXXX XXXX account and balance also do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NV

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 2024-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, I entered into a contract with XXXX XXXX for the purchase of my home ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a closing date of XX/XX/year>, based on XXXX 's pre-approval for a loan from Wells Fargo. This sale, with the contracted closing date on XX/XX/XXXX, was a contingency for the purchase of a property in Colorado ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a contracted closing date on XX/XX/year>. 

On XX/XX/year>, I was informed by my agent, XXXX XXXX, that closing would be delayed due to a delay by Wells Fargo in the processing of XXXX 's loan. Wells Fargo did not indicate any issues with the loan up until this point or at any point on XX/XX/XXXX or XXXX, and representatives from Wells Fargo ensured my agent and XXXX 's agent ( XXXX XXXX ) that they were working around the clock to close the loan and hoped to close by Friday, XX/XX/XXXX. On XX/XX/year>, I was informed by my agent that Wells Fargo denied XXXX 's loan ( 2 days after the original contracted closing date ). 

As a result of Wells Fargo 's negligence in processing XXXX 's loan, I was unable to complete closing on the Colorado property by the contracted closing date, and the sellers of the Colorado home terminated the contract. Wells Fargo failed to provide timely notifications and communication with the buyer and his agent regarding the status of his loan. As a result of Wells Fargo 's negligence, I was unable to respond to the delays in the sale of my TN home in a timely manner, and as a result, my fiance and I have incurred financial losses totaling over {$45000.00}. This does not include the emotional damages and impact this has caused as a result of these deals crumbling. Additional details regarding the timeline of events, including points of communication with Wells Fargo, and costs incurred by myself and other parties involved, are attached to this complaint. 

Wells Fargo 's code of conduct repeatedly states their employees ' responsibility to act with the highest standards of trust and integrity, do the right thing in the right way, hold each other accountable for the outcomes of their actions and decisions, engage in fair and honest business practices, and provide accurate, timely, and clear disclosures to customers. Wells Fargo and it's employees need to honor their code of conduct and hold each other accountable for the outcomes of their actions regarding how this loan was managed.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: DC

Complaint narrative:
I am requesting the removal of a specific inquiry from my credit report related to my account with Continental Finance/XXXX I found an inquiry dated XXXX XXXXXXXX XXXXXXXX, that I believe is unauthorized. I did not consent to this inquiry, and it does not accurately reflect my credit activity. 

**Inquiry Details : ** - **Inquiry Date : ** XX/XX/year> - **Business Type : ** Bank Credit Cards - **Contact Information : ** - **Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX - XXXXPhone Number : ** ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to dispute any inaccurate information on my credit report. I request that Continental Finance/XXXX take immediate action to investigate this inquiry and remove it from my credit report. 

**What would be a fair resolution to this issue? ** I request that the unauthorized inquiry be removed within **15 days**, and I would like written confirmation of this action sent to my address. Prompt resolution of this matter is crucial for accurately reflecting my credit history and improving my credit standing.

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 2024-10-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I submitted a dispute to Apple Card in 2023 regarding a merchant called XXXX, which merchant pretends to be a U.S. merchant and sell US products, but without informing you they send these unapproved canine toothpastes and toothbrushes from XXXX. They lure you with one price saying that the product is XXXX, then they charge a different price to your cart and the receipt comes on the new price. I was extremely alarmed when I saw the product was coming from XXXX, and I contacted the merchant to cancel. The merchant ignored my request and send me the product despite request for cancellation. I contacted the merchant multiple times and never heard back, asking about the scammer claims and the like. I opened dispute with Apple, which went nowhere, I kept reopening, asking to talk to someone in dispute, calling them and I never heard back from anyone.

I submitted them multiple screenshots of people stating the company was a scammer business, comments of people that their dogs got hurt with the products, I submitted emails to Apple multiple times with that information, and even copied Apple on emails trying to get a response from the merchant.

They never read what I submitted or got back to me. The merchant wrote them a few lines saying they replied to me, what is a lie, didnt provide any evidence, and Apple keeps ruling on their favor.

I want the charge to be reversed in my favor asap, the merchant to be investigated, and Apple to be fined for the total mishandling of this situation, including never replying to me, never contacting me back, never having a dispute manager call me back despite numerous requests.

Apple Card should be ashamed of its services. Supporting a business that hurts dogs with their scammer products?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
I have loans with XXXX  and I need these loans forgiveness, it has really been hard making payments on these loans ... the interest is extremely high and the reporting on my credit is credit issues with other purchases I want to make ... .I want to to be considered for the loan forgiveness program with navient

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation