vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter to National Credit Adjusters ( NCA ) at XXXX XXXX XXXX XXXX, XXXX, KS XXXX requesting validation of a debt being reported by them to all three credit bureaus per Texas Finance Code Section 392.202. I specifically stated in the letter my requested action of deletion if they could not provide validation of the alleged debt in the 30 day time frame provided by Texas Finance Code Section 392.202.

Specifically written : Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) I received a return notice on XX/XX/XXXX stating that they could not complete an investigation in 30 days because it was not enough time and instead of deleting the tradelines as requested- THEY decided that I instead wanted to dispute the items - disregarding my specifically stated request in the first letter which is in line with TFC Sec. 392.202 ( d ) ( 1 ). So on XX/XX/XXXX all three credit bureaus were updated to incorrectly reflect a customer initiated dispute and have since reported incorrectly. 

On XX/XX/XXXX, I responded with the following via certified US Mail : In no section of the letter did I request a dispute but specifically I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. This account was updated to report disputed status on all credit reporting agencies on XX/XX/XXXX, which is inaccurate because the account was never disputed. 

You responded that you would need more than 30 days to investigate because 30 days is seldom a sufficient amount of time for such research and investigation. Considering this information, I am requesting again a complete deletion of the tradeline on all three credit reporting agencies as I requested in the initial letter in accordance with Texas Finance Code Sec. 392.202. Subsection d. 

I appreciate your assistance in this matter. 

They signed the certified receipt on XX/XX/XXXX and still have not deleted the tradelines or provided any proof to validate the account. The account remains reported inaccurately. 

All correspondence is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was approved on a loan modification on XX/XX/XXXX to start paying a mortgage in XXXX for a rate of $ 2.875 % 40 years to lower my monthly payment but after closing I receive a letter stating that I received a step-rate modification so starting XX/XX/XXXX the rate is increasing at 3.875 % then on XX/XX/XXXX will increase again at 4.875 % and on XX/XX/XXXX will be 5.25 %. So I am questioning was the purpose of the modification? if wellsfargo increase the to 40 years plus interest and the este of 2.850 % is only good for 1 month a the worse problem nobody never explained me about this increase over time, I agreed on the modification, thinking I will lower my monthly payment and lower the interest of the loan I was informed after the closing about this step-rate mortgage modification in a letter received in the mail. I feel this is a scam of modification and not helping during this COVID crisis to homeowners to lower the payment of the mortgage, I am Very disappointed with Wellsfargo, I need help to resolve it. A better modification that will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMCB XXXX is reporting on my personal credit file. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
KIA MTR FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( KIA MTR FIN 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( 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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX XXXX XXXXXXXX )

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 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XX/XX/22 Received via US mail a packet of blank checks from TD Bank, with an account opened in my name, and the checks had my name, address, and cell phone number printed on them. These were unsolicited materials, and I did not open an account with TD Bank. I do not have any business with TD Bank. 

XX/XX/22 Received via US mail three separate letters from TD Bank, each addressed to me, each referring to different bank account numbers and each documenting deposit and credit transactions that I did not make, with bank accounts I do not have. 

XX/XX/22 I reported the account/bank fraud to TD Bank , and confirmed with three credit bureaus that my credit is frozen. 

XX/XX/22 I will be contacting my personal bank to report banking fraud in my name, and I will be contacting my local sheriffs office about the TD Bank fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I write with respect to my XXXX Hyundai Elantra and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended. 

My understanding through your customer service is that your records indicate that the title was delivered on XX/XX/XXXX to my home address. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail. 

Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX. 

After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX. 

Upon confirmed receipt, I called customer service and they provided me with a case/confirmation number of XXXX, explaining the request is taking longer than usual to be processed and that my request has not been picked up, viewed, or processed by the titles department yet. 

As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle! 

I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I the consumer have been violated by EXPERIAN, they are furnishing information I did not give written instructions to, with furnishing information that is violating my right to privacy and is identity theft. Ive demanded the information be blocked from my consumer report.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: IL

Complaint narrative:
SAFERENT Solutions broke the law and violated my federally protected rights. SAFERENT reported a false eviction on my consumer report since 2018, literally stopping me from extending credit, receiving shelter and ultimately leading to me being XXXX After finally tracking down SAFERENT and disputing this information they never marked this item as disputed on any of my consumer reports, a violation of the Fair Credit Reporting Act. They also came back not one, not twice, but three times and said this information was validated without giving me the process as to how they validated this information. I personally, XX/XX/XXXX, went to the courthouse and spoke to several clerks who were unable to locate this alleged public record in their database. I looked up the alleged docket number, my last name and first name, and the alleged plaintiff and neither the clerks nor myself were able to find the record SAFERENT continued to validate as correct. I even pulled my consumer report from over five other credit reporting agencies and none of these contained any public record of an alleged eviction. I again reached out to SAFERENT and threatened to take this manner to court for aggravated harassment and identity theft. They responded three weeks later stating that this item was deleted. No explanation why, no validation process just deleted. They have ruined my life in the last four years and the things I've had to endure just because of this horrible reporting by a credit reporting agency has to be brought to the light. PLEASE GIVE THIS THE ATTENTION IT DESERVES so more consumers lives aren't purposely ruined by this credit reporting agency.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called XXXX, Transunion, XXXX, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The 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 2022-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Both my joint savings and my personal savings were blocked on XX/XX/XXXX. It is now, at the time of writing, XX/XX/XXXX and my funds are still unavailable. The bank refuses to unblock my account and refuses to help me with my funds. I have bills to pay and all they tell me is that, The information is private and we cant do anything else. 

I have bills to pay and I cant if my money is not being released.

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 2022-02-04 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/2021 My card was used to purchase crypto currency without my authorization. The charges were by XXXX payments. XXXX unauthorized charges were made, XXXX for XXXX the XXXX  for XXXX. Multiple attempts using the wrong card information were declined before the XXXX charges were successful. I bank with Current, I disputed the charges but was told the charges were valid. I requested the information used by them to come to the conclusion that the charges were valid but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a little over {$300.00} on this joint account I had opened with my spouse that was flagged for fraud. Citibank, debited the amount but we dont have it. We have checked all of our other bank accounts and nothing was debited. When we discussed with multiple banking locations, nobody seems to know where that money went. 

We just need our money.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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