vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on 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 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Ive submitted an appeal over a month ago and still havent heard back from Amerihome.

Its been over 6 months and Amerihome is still giving me the run around without justification for their denial. The only feedback they give is to let my mortgage be behind/ late 3-6 months before they will consider offering a flex loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Re-submitting as I listed the wrong company... it's not originally owned by XXXX XXXX Portfolio Recovery acquired two debts XXXX XXXX and XXXX. Both bough in XXXX and XXXX XXXX  in XXXX. 

I logged into my bank acct and noticed a debit labeled GARNISHMENT and our acct had been emptied to a XXXX balance with both our electric bill and XXXX XXXX bills pending. I wasn't aware of anything except a payment plan he has with the IRS. Fearing that something had happened I logged into our IRS acct but everything was current. I told him I would log into our local clerk of the court site and see if anything was there because we had not received anything from anything. I saw a case from XX/XX/XXXX that we hadn't been notified about and clicked the link and it said Portfolio Recovery and a garnishment had been granted for {$1100.00} for my XXXX XXXX  acct. I kept clicking the paper symbols to view documents and eventually found one I was supposed to have received to submit information to contest the garnishment within an allotted amount of time ( I'm the head of household ), along with paperwork that XXXX XXXX  would have received as well. However, now the allotted time has passed to contest the garnishment. Also, the statute of limitations on the debt to peruse legal action has passed. The debt was sold off to Portfolio Recovery in XXXX, however, this debt hasn't been paid on in at least XXXX yrs and the statute of limitations in Florida to pursue debt with legal action is XXXX yrs. This garnishment shouldn't have been granted to Portfolio Recovery in the first place. I also plan on contacting the State Attorney General. I did file a complaint with the state attorney general on XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-07 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt collectors to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. Portfolio Recovery has 3 different dates of the XXXX date of delinquency on each creditor agency. Portfolio Recovery has been sued by CFPB in the past for this same actions. Portfolio must have all monthly statements since account was opened to properly established a XXXX Date of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Possible Financial Inc
State: AL

Complaint narrative:
I think there may be an issue with your records or data, perhaps my info was mixed up with someone else. i only had one account with Possbile and thats account # XXXX. Unfortunately, theres another account reporting on my profile with a balance of {$230.00} XXXX this account is not my and im asking for it to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-05-07 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: NY

Complaint narrative:
I recently became aware of unauthorized fraudulent accounts and addresses that have been reported on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My name is XXXX XXXX. This complaint pertains to a creditor identified as JPMCB Card Services within my credit report. 

On Thursday, XX/XX/2024, XXXX separate debt validation requests were submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Thursday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

On Friday, XX/XX/2024, XXXX separate debt validation requests were again submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Monday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Unfortunately, I have not received any response from JPMCB Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
Subject : Consumer Complaint Against True Accord for Violating Rights To Whom It May Concern, I am writing to file a formal complaint against True Accord for their persistent attempts to collect a debt that is not reflected on any of my consumer reports, and for their failure to provide validation of said debt. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My email address is XXXX. 

Despite numerous requests for validation of the alleged debt, True Accord has neglected to provide any evidence or documentation supporting their claim. Furthermore, this debt does not appear on any of my consumer reports, raising serious concerns about its validity. 

I believe True Accord 's actions constitute a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). Their persistent attempts to collect an unverified debt not only cause undue stress but also infringe upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against True Accord to ensure they adhere to the regulations outlined in the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Date : XX/XX/year> Claim # XXXX REFERENCE # XXXX This was another scam involving Wells Fargo and my checking account which I have been waiting for the funds of {$490.00} to be returned to my account. 
A letter dated XX/XX/year> from Wells Fargo bank indicated that this amount was being investigated with XXXX and I have yet to have the {$490.00} returned to my account. 

I would appreciate further research and investigation on the progress of this claim. 

Yet, another fail on Wells Fargo customer service. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
I recently became aware of unauthorized fraudulent accounts and addresses that have been reported on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
Adverse Action Notification Loan # XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX To XXXX I spoke with one of your representatives last Thursday, XX/XX/XXXX. ( No I do not know her name ) .She told me that she would further research the conversation we had and call me back. She never did. 

I called because I was denied credit for a loan that I NEVER ASKED FOR! The " turndown '' was received in a letter of " Adverse Action Notification '' which in part said, " that you ( Loan Depot '' were unable to offer me a loan because of information contained in a consumer report ''. Key factors cited in the turndown denying us credit were : XXXX ) XXXX -- Time since most recent account opening is too short XXXX ) XXXX -- Amount owed on revolving accounts is too high XXXX ) XXXX -- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts XXXX ) XXXX -- Too many accounts with balances It's interesting that your documentation states that " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' and yet you cited the specific reasons " that adversely affected your credit score '' Once again, since I never asked for a loan, why was I being turned down?. In addition, my wife and I have excellent credit and we've never been turned down for a loan, In addition, I CURRENTLY HAVE A MORTGAGE WITH LOAN DEPOT! Evidently my credit was good enough for a mortgage but not good enough for a loan that I never asked for! 

Finally, I am extremely concerned with the latitude that Loan Depot has to share my information, including this information, shown under " What does Loan Depot .com LLC do with your personal information '' I believe if the information found in " The Adverse Action Notification '' was shared with anyone that my credit worthiness would be severly damaged.. 

I do expect that Loan Depot resolve the above issues immediately! 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my wells fargo debit card XXXX XXXX XXXX XXXX was impacted by fraud and an unknow company charged me {$6300.00} in 2x transactions i filled the claim ASAP and wells fargo denied it saying " we dont see signs of fraud '' while the billing address was not verified. they also denied me the right to appeal, that is guaranted by federal law. claim was denied yesterday XX/XX/year> and i called to appeal today. 

they said nothing can be done now and i know its a lie, i am customer since 8 years from wells fargo and its the first time this happen, his 0 liability program is a lie. 

i think somebody just got a photo of my card and used it with a fake billing address OR a bank amployee is envolved in the fraud. 

checking account number XXXX wells fargo denied claim number is 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 2024-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax, XXXX, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked. 

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. Equifax, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.

Company response to consumer: Closed with non-monetary relief