vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Loan stacking, account re-aging, document forgery, mortgage flipping, debt cycling, fraudulent Substitution of mortgage. 

Reconveyance Deed swapped with " substitute trustee deed '' (? ) In reconveyance file. Homestead property, disregard for homestead procedure, attempts to claim " absentee owner '' on 1099 notice to bank of abandonment pr acq. 
Docs dated well past XXXX deadline to pay for unlawful foreclosure. No money actually paid by the out of business LLC listed. 

Pay-off of mortgage by settlement agreement was to take place XX/XX/year>. 
Mortgage revived and auto debit payments were re-instated, as owner was held hostage by intruders during a long term home invasion, using scopolamine, ghb and rohypnol to confuse and remove memory. 
XXXX security video images erased. Showing no human beings coming or going from the house. A three month period where not even the mailman shows delivering the mail. But mail ( most of it ) delivered. 
Evidence of tampering with mail including bank statement, thre utility bills, a fraudulent mortgage escrow statement, and an Early Warning Report, etc Not expecting me to recover or return. 
See attached. Please do not be part of the problem. Victims, especially abused elderly, need you. I wasn't old enough, they just used more XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-23 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: OH

Complaint narrative:
I bought a 2020 car from a dealership under loan. Put down a few grand and the {$29000.00} left over was the loan. I week or so later I checked my credit and it went down around XXXX points even though they said many times its only be XXXX inquiry which would be XXXX points. I called them again and asked why and they explained they have no idea what happened. I need my credit to go back up

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 2024-11-23 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: NC

Complaint narrative:
Please delete the late payment for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: KS

Complaint narrative:
Have obsessive amount of inquiries. That I do not recognize or did not give permission put on my credit report. So many that I can not list them all. SSN : 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 2024-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has multiple inquiries on my report that they in fact stated would be removed 90 days later they are still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX  account # 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 2024-11-23 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, and these accounts and inquiries are the result of identity theft. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information that has been identified as fraudulent. The following accounts and inquiries were not authorized by me and should be removed from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, and these accounts and inquiries are the result of identity theft. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information that has been identified as fraudulent. The following accounts and inquiries were not authorized by me and should be removed from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX was send a email from Apple Card ( Goldman Sacks ) if I opened a card and charged {$1500.00} in the first 60 days they would give me {$300.00}. cash back. I complied with the offer, charged an amount in excess of the {$1500.00} and still have not received the {$300.00} cash back, even after making three separate inquiry calls on XXXX, XX/XX/XXXX and XX/XX/XXXX. Their customer service states I have complied with the offer requirements, but further review is still required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello All, All my names are misspelled in all 3 credit bureaus, please see the following incorrect names. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these names need to be removed, my correct name is : CORRECT NAME FIRS NAME : XXXX MIDLE NAME : XXXX LAST NAME : XXXX XXXX And my last two addresses need to be removed from my credit report please OLD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

I request that only my current address be seen is the following. 
XXXX XXXX XXXX XXXX XXXX XXXX, NORTH CAROLINA XXXX. 

Please see attached evidences. 



Thank you Best Regard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello All, All my names are misspelled in all 3 credit bureaus, please see the following incorrect names. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these names need to be removed, my correct name is : CORRECT NAME FIRS NAME : XXXX MIDLE NAME : XXXX LAST NAME : XXXX XXXX And my last two addresses need to be removed from my credit report please OLD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

I request that only my current address be seen is the following. 
XXXX XXXX XXXX XXXX XXXX XXXX, NORTH CAROLINA XXXX. 

Please see attached evidences. 



Thank you Best Regard

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : PORTFOLIO RECOVERY Date fraud began : XXXX  Date that I discovered itXXXX Total fraudulent amount : {$500.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Santander Consumer USA. XXXX refuses to update this information on my account and continues to show the old loan and old amount owed with no payments shown and an inaccurate amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is my second attempt- I was denied as XXXX was the company in question, but my bank has completed their 90 + day review and denied my claim, stating that it was a valid charge. I'm here to say that it was fraud pure and simple. 
My original message from XX/XX/year> is below. The purchase was on my Ally Debit Card ending in XXXX. There were two names on the XXXX account in separate episodes, which is very suspicious. Please review this claim and let me know when completed. Thank You! 

XXXX XXXX Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill. I was sucked into a Con Game. I was foolish in providing {$65.00} of my funds through the XXXX XXXX XXXX  option through XXXX. This was very wise because XXXX will not refund any dispute when sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it was too good to be true! Anyway since I was unable to get any assistance from XXXX I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on XXXX, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??

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 2024-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had 2 different hearing with them at the court. First ( XX/XX/XXXX ), they sent random attorney has no idea what is going on only asking how I would like to pay the amount. I said I need to explain why I didnt pay but he wouldnt listen and set another hearing day because he was just showing up for XXXXXXXX XXXX XXXXXXXX. My second hearing ( XX/XX/XXXX ) was again with a random attorney showed up for XXXX XXXX XXXX  who wanted to get another hearing date because he was just there to show up for XXXX XXXX XXXX  I said I wanted to set a trial date because this will never end. And we did. Right before trial date which was XX/XX/XXXX. Attorney called me from XXXX XXXX XXXX named XXXX XXXX on XX/XX/XXXX XXXX day before trial date. We made a deal original amount was XXXX but we agreed on {$2100.00} in 2 installments XXXX 2 months. They said I would receive a letter about this and all the instructions and I dont need to show up on trial next day. I never received any information. On the agreed payment date I tried to contact them but I couldn't reach thru their phone numbers. I filled a form on their website how to pay amount. They emailed me back said ''You can go to our website, XXXX. you will need your routing and account number and your file number which is in the subject line '' When I enter my file number amount wasn't agreed amount. it was original amount. I asked them back if they fix it so I can make the payment because I wasn't able to change the amount myself. They never responded. After almost a year, I received court hearing date and now my bank account has garnishment. I cant use my account. I cant login to my bank account. I cant make any of my payments to other companies. I never missed single payment all my other accounts but now XXXX cant even see if the payments are going thru.

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 2024-11-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I Have reviewed my credit Report and found some inquires that I did not recognize : XXXX XXXX, XX/XX/XXXX, Experian. 
Experian XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX, Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Entrata Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccuracies on my XXXX credit report, which have negatively impacted my financial opportunities. Recently, my application for an apartment at XXXX XXXX XXXX XXXX was denied due to incorrect credit information provided by XXXX through Resident Verify. 

The adverse action letter states my credit score as XXXX and references delinquent accounts. However, my XXXX score is XXXX, and all delinquent accounts have been paid in full. These errors remain unresolved despite my efforts to dispute them directly with XXXX. 

I am requesting your assistance to address the following issues : 1. Ensure my accurate XXXX XXXX of XXXX is reflected. 
2. Remove any references to delinquent or derogatory accounts that I have resolved. 
3. Confirm my credit history accurately reflects recent payment updates. 

I have attached the adverse action letter and can provide proof of payments if needed. These inaccuracies have caused significant inconvenience and harm, and I kindly request your intervention to ensure these issues are resolved promptly. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PR

Complaint narrative:
i am dispute this count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-23 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: IN

Complaint narrative:
I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ). I am a victim of identity theft, and the accounts and inquiries listed below were not authorized by me.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX  XXXX  ) ( XXXX )

Company response to consumer: Closed with non-monetary relief