vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately transunion, XXXX as well as experian. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. Transunion, XXXX, XXXX and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
For the past two months I have been trying to have my mortgage modified but they have been procrastinating in the process and keep sending me emails stating that there is an error in the paperwork and the application won't be held forward. The main issue is that keep stating that I have a business and I need to submit my profits and loss and I do not have a business and I never said that I had one in any of the paperwork that I submitted to them. They are holding up my application with information that I do not have and did not write down on any of the paperwork that I submitted to them I have told them that multiple times in emails and even to my case worker on the phone, but they still do not listen to me and I do not know what else I can do. I need your help to get Mr. Cooper to listen to me and finish processing my mortgage modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 Transunion, XXXX, and XXXX. 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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, Equifax, and XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I am part of the sweet vs cardonna lawsuit and borrow 's defence has been approved for me. I have been in forbearance for the last six years and my loans have been approved for refund and forbearance until the refund comes. As of XX/XX/23 my loans were put back into payment against the wishes of the Department of Education. When I contacted my servicer they said to contact the borrower 's defense hotline, which I did and they sent a confirmation to my servicer that I was suppose to be in forbearance and they were to discharge my loans. When I checked back with my servicer they still had my loans set up to resume payment as of XX/XX/23 and are refusing to put them in forbearance regardless of what the DOE letter states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is not mine XXXX XXXX XXXX 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 2023-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I RECEIVED A LETTER NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo fails the truth and lending act, they are deceptive, and fails to be direct and forward with their Wells Fargo Reflect Credit Card Terms and Conditions with Cash Advances. It is imperative for Wells Fargo to be very clear and detailed on their terms of conditions especially for those such as myself who have a XXXX XXXX and for minority groups who struggle with fully understanding such lingo which I am also apart of. 

Wells Fargo Reflect Credit Card is advertised as 0 % interest for a minimum of 18 months and maximum of 21 months. It states for all terms that there are interest fees applied including Cash Advances.

In the terms and conditions it states what the FEES are for Cash Advances which is {$10.00} or 5 % of the advance. It does not state that there will also be a monthly interest charge. 

I did a Cash Advance and was shocked to receive monthly interest charges on a no interest card, and this defeats the purpose of having a zero interest card. 

When I called in the representative read me something over the phone, however, I pulled up the terms and conditions and see that its very misleading, deceptive, and possibly false. 



Wells Fargo needs to be very clear, concise

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 2023-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MANAGE ADDRESS ID : XXXX REPORT NUMBER : XXXX I HAVE REPORTED TO THIS COMPANY THAT I NEVER STAYED IN TEXAS I AM A CURRENT XXXX XXXX XXXX  CUSTOMER AT MY PRESENT ADDRESS OVER 13 YEARS THE SERVICE WAS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX JUST POSTED IT TO MY CREDIT AGAIN CAUSING A DEROGATORY HIT ON MY CREDIT CAUSING MY SCORE TO DROP XXXX POINTS. I HAVE BEEN WITH XXXX XXXX XXXX OVER 20 YEARS AND PAY MY BILL EVERY MONTH. I NEED THIS NEGATIVE ISSUE REMOVED ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I encountered a very strange problem. The Bank of America suddenly closed my account on the XXXX of this month and refused to provide any further information and reports. When I deposited money in the Bank of America, the service staff of the Bank of America told me that under any circumstances, as the person in charge of the account, I would enjoy all the rights related to the account, but I was closed the account without any knowledge and the funds were frozen. I asked to solve this matter quickly. This kind of freezing behavior has brought great trouble to my work and life. At the same time, my recent failure to pay will cause the breach of contract of several jobs, which will bring completely unnecessary legal compensation risk.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b 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.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broken the law because these damages are fraud and I am trying to move forward

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 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My loans were consolidated in XX/XX/XXXX ( some loans paid in full at that point ) and the remaining loans forgiven XX/XX/XXXX so my current XXXX  loan balance is XXXX. Mohela, my loan servicer, still has the XXXX loans that were paid in full in XXXX, on their account/dashboard and are requesting payment although my loans have been forgiven through the XXXX program earlier this year. I have tried for 2 months through Mohela ( written and phone complaints ) and XXXX  complaint ( closed no help ) and they are still on the account, balance of {$240000.00}. XXXX  has my loans balance at XXXX for all loans. Please help. ( I attached a copy of the XXXX zero and paid accounts for my student loans as attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation