vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-20 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: PA

Complaint narrative:
Violation of the Privacy Act of 1974 Unauthorize use of my report as consent was never given. 
Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In XXXX of 2023 I was pre-approved for a mortgage loan and when I did not find a home to purchase my pre approval expired after 3 months. I knew it would expire and was told I would get an extension, but instead I was asked to re-apply again for the mortgage loan and was denied after the application was submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
RESISTANCE WITH GETTING INFO REMOVED/UPDATED XXXX credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ONLY ) XXXX addresses listed Phone # : XXXX ( ONLY ) XXXX # XXXX LISTED XXXX SOL/DEBT BARRED DEBTS LISTED : XXXX XXXXXXXX XXXX XXXXXXXX.TO BE REMOVED XXXX *XXXX XXXX {$690.00}. TO BE REMOVED XXXX AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
RESISTANCE WITH GETTING INFO REMOVED/UPDATED XXXX  credit report My Name : 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 


THANK YOU IN ADVANCE 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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marcadis Singer PA
State: FL

Complaint narrative:
This is a follow up for the complaint I previously sent about XXXX XXXX. They sold my info to Marcadis Singer PA, a 3rd party debt collector. I was not notified, nor aware of this until AFTER I received a letter from Marcadis. I sent them an Affidavit of Truth, which I have attached to the complaint. Marcadis responded by simply sending me statements. As a consumer, I have the right to see the contract that states that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
My first issue is missing monies in small amounts and typically under {$1.00}. While there is a XXXX address to accompany said transaction, inability to trace address history or origin. 

Secondly, there are a number of XXXX transaction in which the name appears to be invalid but more so are the denoted amounts. All amounts are greyed out which to me would confirm an unavailable amount of currency for whatever reason. Both issues are discoverable via my Coinbase app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I received a notification from my mortgage company. I can not do thus for a whole year as I do not leave the house due to an XXXX issue. They are not leaving me with any viable options for paying my mortgage due to my XXXX. This is the message Good afternoon, Thank you for contacting loanDepot Support in regards to online payments. I called you at. I was not able to leave a voicemail because your mailbox is full. I'm sorry that I missed you. 

There is a processing stop on your account that prohibits online and over-the-phone payments. This occurs when there have been two or more returned payments. You will need to send in a certified fund check each month. The restriction has to stay in place for XXXX year. It will be removed on XX/XX/2024. I apologize for any inconvenience this may have caused.

It was a pleasure to assist you with this inquiry. As a reminder, you may receive a survey regarding the customer service I provided you today. Happy holidays! Thank you for being a valued homeowner and choosing loanDepot. 

Thank you for allowing us the opportunity to assist you with your recent request. If you have any further questions, please reply to this message directly, and Ill be happy to assist you further. You may also reach out to the Contact Center at ( XXXX ) XXXX, Monday through Friday from XXXX XXXX XXXX. CST and Saturday from XXXX XXXX XXXX CST. 

XXXX XXXX Customer Service Support Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-20 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am being threatened with Administrative Wage Garnishment by Transworld Systems , INC. On behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an alleged debt that is almost 7 years old. The Notice of Intent was sent to an address to which I have never been affiliated, and opened by other persons, not myself, constituting disclosing the fact that I allegedly owe a debt, the amount of the debt, to whom it is allegedly owed, who I am, and other personal information. 

The address to which the Notice of Intent was sent belongs to relatives, which is how I was notified of it's improper delivery. I only became aware of the Notice of Intent this XXXX XXXX XXXX XXXX when the letter was sent on the XXXX XXXX XXXX XXXX and my response was required by the XXXX XXXX XXXXXX/XX/2023. I was not afforded proper 30 days under applicable code to respond to the Notice of Intent. 

This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Company is Acting suspicious after I Did complain to their employee XXXX on XX/XX/2023 of having my account charge {$25.00} dollar transaction fee due to canceled payment transfer or not approved by my bank. 

Explained to XXXX XXXX that why if I pay Monday or Any other day of the week AMEX charge so many days later the money in my back account making me problems of balance adjustments or even having issues to complete the payments due to been few dollars shorts for the reason they never take their money when I pay them. 

After few minutes conversation XXXX did not have a valid answer after I spoke to him that I have to cancel multiple payments because Amex don't charge on time and this is making my card been over limit because I never have control on my payment dates and I been charged fees of payment fail every time {$25.00} because they can't get their payment on time. 

Why to pay {$25.00} when other providers like XXXX XXXX allow you to pay {$3.00} to get your credit card payment fast on same day without waiting many days like American Express does to make their profit business charging XXXX dollars to each customer also, they scan my account and they also know when my business account have money why they always charge when the account is negative? 

After I complained to them, today XX/XX/2023 I been called and email requesting my private bank statement and blocking my account and even saying or discriminating against me saying they will close the account without no valid reason and sending me and email after many hours later of getting all my information saying the reason because I ask them. 

I would love this case to be investigated, I do not have any personal problems with this company but why they so scary after I asked about the {$25.00} fee been charged when they can take the money like XXXX XXXX does same day when actual customer have money in their bank account and avoid charging millions of dollars on fee on people that maybe is {$3.00} or {$10.00} dollars short and can't go to the bank because they don't have control of when a financial institution so powerful that even is XXXX scanning bank accounts and knows if have money or not with their called XXXX XXXX XXXX is charging money when they know balance is {$0.00}? I Think these tools are for improvement not to empty consumers account balance by charging {$25.00} dollars and having then pay late and their credit been affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate once again the time you have dedicated to rectifying the fraudulent items present in my file, stemming from an alleged identity theft. Despite previous efforts, certain items still persist, necessitating their removal. As a continued victim of identity theft, I am submitting this request for the elimination of the remaining items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Your obligation, as stipulated by the aforementioned regulation, is to effectuate the removal of such items no later than four business days subsequent to XX/XX/XXXX. This matter has been previously highlighted in my complaint, and I reiterate it here along with a new FTC Report # XXXX. It is crucial to emphasize that the information pertaining to these items is unknown to me, having already been expunged from other bureaus. I harbor reservations regarding the reporting accuracy within my file and urge you to expeditiously remove these remaining fraudulent items from my credit report. Regarding the items listed under EXPERIAN : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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

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 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Per the 15 USC 1692g validation of debts, I do not recognize how this account is reporting on my credit report I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA. Additionally per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
Incorrect information on 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 explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I am submitting this to formally request the correction and update of my personal information on my credit report. Specifically, I am seeking the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience or harm to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that

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 2023-12-20 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: IL

Complaint narrative:
This account is reporting as a late payment on my report despite having inconsistent historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Equifax. This account must be removed immediately for Equifax is reporting it wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XX/XX/2023 I asked to assume the mortgage of my deceased mothers home were I live. XX/XX/2023 I was received an application for home mortgage that listed me as a buyer, with all the costs. XX/XX/2023 I sent the prevision the Garn St, germain Act. Stating that the federal law requires them to allow me to assume the mortgage of my inherited without the closing costs. XX/XX/2023 I received a response stating they knew nothing about the St. Germain Act. and that I would have to do it their way.

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