vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting Transunion to block an inaccurate, invalid, and fraudulent bankruptcy public record from displaying on my credit report. This bankruptcy was not initiated by me ; it is a consequence of identity theft. I urge Transunion to eliminate this false bankruptcy entry promptly. 

Transunion has stated that I have not provided sufficient identification to proceed with the bankruptcy dispute. However, I have sent copies of my identification and the FTC identity theft report to Transunion via USPS certified mail multiple times in recent months. I am attaching the necessary identification documents to this message, along with additional evidence, to prevent any further complications. 

In the past, Transunion asserted that the bankruptcy had been verified as accurate, despite my repeated explanations that it is a result of identity theft and not filed by me. Despite providing substantial documentation and evidence to support my claim, Transunion has failed to remove this inaccurate and fraudulent bankruptcy record from my credit report. 

Transunion claims to verify records using XXXX XXXX as a source, but my credit report with XXXX XXXX has been frozen, thus preventing any information from being shared with Transunion. This clearly indicates that Transunion 's verification process with XXXX XXXX is flawed. I urge Transunion to promptly rectify this error and remove the fraudulent bankruptcy record 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
Consumer complaint received 2024-02-23 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage servicer is Newrez LLC. 

The property loan has an escrow account for taxes and hazard and homeowners insurance. 

I am Successor in Interest on the loan. 

Dwelling Insurance Policy should have been paid out of escrow funds on XX/XX/XXXX ( latest possible day ). 
XXXX XXXX did not pay the hazard policy. 

I paid {$3300.00} on XX/XX/XXXX. 
Payment was accepted on XX/XX/XXXX. 
I have the Insurance Payment Receipt. 

New Rez has not repaid me so far. 

The dwelling insurance is through my XXXX agent, as a California Fair Plan policy. 
This was a renewal policy, and not a new policy. 
I received a letter via mail on XX/XX/XXXX from NewRez Insurance Department stating that evidence of property insurance documentation was received. 

NewRez was requested that the Named Insured be changed to the deceased. 
I am the deeded property owner. 
This is a renewal Dwelling Insurance and there has been no changes to the policy ( other than the cost as The California Fair Plan, is the insurer of last resort for mountain properties in the area. 
NewRez has informed me that they purchased Lender-Placed Hazard Insurance on XX/XX/XXXX. ( Cost is {$3900.00} )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
To whom it may concern, I, XXXX XXXX of the XXXX of the XXXX family am writing you today as an aggrieved man. I was caused an injury and am owed a remedy. My debit card ending in XXXX was stolen and or compromised. A transaction I did not authorize and or consent to at a place called XXXX XXXX for {$160.00} took place, while I was at work. I checked my wallet and I do not have my debit card on my person. I do not know how this individual got my debit card pin number. I did not consent to nor authorize this atm withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account 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 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 non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account 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 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC
State: PA

Complaint narrative:
On or around XX/XX/XXXX, I was approved for the City of XXXX  Homestead Exemption, meaning the amount owed to the City for my property taxes has decreased dramatically, from {$580.00} in tax year XXXX, to {$54.00} for tax year XXXX. I attempted to call Gregory Funding numerous times about this decrease, so that Gregory Funding could conduct an interim escrow analysis and adjust my monthly payment per 12 C.F.R. 1024.17 ( i ) ( 4 ), but I could not get through. My most recent attempt to call Gregory Funding yesterday resulted in a Gregory Funding representative named XXXX asking me for proof of this change. I sent proof on XX/XX/XXXX to XXXX. I have not received a response. This change in my taxes is publicly available on the website for the Revenue Department of the City of XXXX. 

In addition there is a tax delinquency for tax year XXXX in the amount of {$26.00} that Gregory Funding is responsible for rectifying, as required under 12 C.F.R. 1024.17 ( k ) ( 1-2 ). Gregory Funding should have ensured that these taxes were paid out of my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
These companies are reporting fraudulent information on my credit report and I've contacted them and advised them of this and they have failed to resolve this issues. My federal protected consumer rights are being violated.

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 2024-02-23 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: FL

Complaint narrative:
These companies are reporting fraudulent information on my credit report and I've contacted them and advised them of this and they have failed to resolve this issues. My federal protected consumer rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-23 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: CA

Complaint narrative:
Someone used my information to apply Discover credit card. I don't know anything about that credit card. The address in the order is not my address, I have never live there. On XX/XX/2024 my company gave me an order from XXXX XXXX XXXX XXXX about I owned credit card so the Collection Company : XXXX XXXX XXXX, XXXX requested my company to deduct from my salary. I called Discover bank, they said they will mail to Collection company to hold that order during the investigation. But XX/XX/2024 my company deducted {$170.00} from my salary. I called back Discover bank, someone told me they mailed to XXXX XXXX XXXX collection company to hold the order already to investigative. so I don't know how I do because if the XXXX XXXX XXXX collection company did not notify to my company, my company will continue deduct my next salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A letter requesting verification and or removal of incorrect information was sent to Experian on XX/XX/XXXX, which was met with an email on XX/XX/XXXX stating they believed the request was not approved or initiated by me. That the request was not to be actioned on, and that encouraged me to only submit a request of this nature or dispute via their online portal or by phone. With no option to confirm my identity and/or verify that the request was authorized. Another letter informing them that the letter requesting this information was in-fact approved and sent by me was sent on XX/XX/XXXX. This was met with the same email as received on XX/XX/XXXX informing me that the request was not going to be actioned on. This is obviously a stalling tactic to drive the consumer to not submit a request like this in writing or via a medium they have control over, or at worst drive a consumer to such frustration that they no long pursue the request further.

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 2024-02-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX Credit reporting Improper use of your report RESURGENT CAPITAL SERVICES L.P . 
XX/XX/2024 Closed Company responded Since you are not willing to provide me, anything showing why i should do business with you, I am giving you10 days from today to provide me with the original documents, transfer of debt for receivables, or any documentation you can provide showing me what reason we have to do commerce or delete all negative marks from my credit report.

Govern yourself accordingly!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am tired of this XXXX branch and company overall. I have filed a previous complaint and after they responded, I was told to contact an attorney. I have tried but not to many attorneys take discrimination complaints if you are not an employee. I am very close to filing a multi-million dollar lawsuit against this bank myself for discrimination, harassment and retaliation. I went into the XXXX IL, fifth third bank brach to close my checking account ending in XXXX. They refuse to close it and i'm still receiving communication from this bank. I want the account closed and no further contact. I also went to the department of human rights but was told the time frame to file had passed. This branch and all the employees in it are XXXX. The teller I did my transactions with had a superior attitude, she has been there the longest and angry because she has had no growth in that position that she has worked for close to 15 years, as well as the branch manager. I want to be left alone. This is not about money but I want the account closed and want to pursue them legally for the charges I listed above. The XXXX guy that they had to respond to the first compliant, I actually felt bad for him because they used him as the token child but this XXXX man will always stand up and fight for justice and equality. The employess at this brach act like they are doing you a favor. They have these bad attitudes and can not stomach a semi-successful XXXX man that has worked for everything I have and will not stand for it. I want justice, the account closed and the right attorney to go after these XXXX trash bags.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 i opened on line a checking account with Wells Fargo including {$300.00} bonus, plus i provided two addresses ( residential & mailing ). Since then the Bank for gave me many Unjustified Problems, including denying purchases in person, online purchases and don't allow me to withdraw my money, the balance today is {$900.00}. Even though is easy for Wells Fargo to verify my address they send me two letters asking me to go to their Branch in order to verify my address. I reached Wells Fargo 's Branch twice XX/XX/2024 & XX/XX/2024 @ XXXXXXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. I spoked to the XXXX. XXXX XXXX ; not only he didn't tried to verify my address but his attitude was XXXX, Disrespectful & Hostile. I reached a second Well 's Fargo twice XX/XX/2024 & XX/XX/2024 @ XXXX XXXX XXXX, XXXX, XXXX, ( XXXX ) XXXX. I spoked to XXXX & another employee who refused to give me his name and both refused to verify my address, plus their attitude was XXXX & Disrespectful. I asked to speak to Branch 's Manager but i wasn't allowed. The real reason that Wells Fargo gave me these Problems and don't allow me to access my funds is because i filed a complaint before with CFPB against them. Wells Fargo, etc. and it's employees proved to me as well as to everyone else that are a Criminal Enterprises on XXXX and allowed to o Defraud everyone because the XXXX Government is in their Pocket since day One. Wells Fargo HAS STOLEN MY MONEY and the XXXX System don't protect consumers.

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