vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Unable to remove freeze or dispute false information no steps taken to validate information furnished also no positive payment history when much positive history suppressed not fair and equitable and no payments late are to be on report under 15 USC 1666B. 15 USC 1691A. HJR 192.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the credit bureaus on my behalf to fix these inaccurate information and I put in the report as well see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading negative entry. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores. 

The specific account in question is : 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 2024-05-10 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 2024-05-10 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: MO

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, Trans Union, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debts exist. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXXXXXX XXXX customer XXXX XXXXXXXX XXXX issued a check to us for goods. The {$4400.00} check was dated XXXX and supposedly cashed at a Chase bank on XXXX. The customer provided me with a copy of the front and back of the check that cleared their account on XXXX. I have provided XXXXXXXX XXXX with sworn notarized affidavits over a month ago that I did not cash this check. I went to Chase because I have an account there but they were no help. Neither Chase nor XXXX can seem to find where our money went and refuse to reissue a check to us. I have spoken to state of Colorado agencies and they tell me that because it was cashed at Chase, XXXXXXXX XXXX  can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: LA

Complaint narrative:
There are some fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2024-05-10 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
This is the XXXX or XXXX time XXXX XXXX has changed service providers creating the same issue each time ; charging property taxes that are being paid by XXXX another mortgage that we hold. I have been in contact with Freedom Mortgage numerous times since XXXX of XXXX trying to resolve this issue. They have all the recordings for " Training Purposes ''. It is now XX/XX/2024 and I just received another letter stating that I am delinquent for a little more than {$2600.00}. Each time I call they acknowledge the issue say they will fix it. To date it is not resolved. Now it is costing me time and income to deal with this. They have been threatening foreclosure and now have reported this matter to the credit bureaus. They have also charged late fee 's. The service provider and XXXX XXXX are the ones at fault and are failing to resolve this matter. I have always paid the Mortgage on time for as long as I have had the Mortgage. I have spoken to numerous representatives including their representatives in the Tax analysis department and they acknowledge the problem of overcharging in the escrow account, but continue to fail to adjust the Mortgage payment to reflect what it should actually be. Freedom Mortgage Paid XXXX taxes last year on behalf the mortgage for the property. This has caused a huge amount of duress for my wife whom is a XXXX XXXX XXXXXXXX Veteran not to mention to myself dealing with the same issue time and time again with various Service Agencies that XXXX XXXX hires. They change service agencies like proud parents changing diapers. Each time the very same escrow issue arises, each time I have to file a complaint to get it resolved seeing one department does not speak to another department. Their lack of communication is not my problem, but it becomes a problem when they are threatening foreclosure and have ruined my credit score that needs to be fixed by them. XXXX XXXX last service provider over charged my escrow by {$600.00} and we never received those monies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: IL

Complaint narrative:
I am experiencing communication tactics issues with L J Ross Assoc. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XXXX. Additionally, some representatives of L J Ross Assoc have used XXXX  language during these calls, further exacerbating the situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/year>, navy federal credit union made two withdrawals without notification or authorization to my checking account. One transactions were for XXXX XXXX and the second transactions was for XXXXXXXX XXXX When I called to inquired about transactions, I spoke to both navy federal and XXXX agents who claim to have proof I scammed someone via XXXX when in reality I dont know who this person claiming I scammed them. According to both policies, each company lied about the reversal policy. XXXX policy on the website states XXXX payments can not be reversed. With XXXX money moves into an enrolled recipient 's account within minutes and can not be reversed. According to navy federal policy via website states There's no dispute process/purchase protection if you don't receive goods you were promised, and you'd have to handle the matter directly with the recipient yourself. Yet navy federal and XXXX reversed a payment without proof of me scamming. The only reason I know its a scam because I dont know who the person is nor to the person have any record of any communication with me about buying or selling anything. I talked to multiple people at navy federal and they state its nothing they can do about yet my money in my account is gone. I am an innocent bystander and if they done this to me how many ppl is out of their money because someone lied. I am a single mother and I worked extra hard for what they have taken and refuse to get back. I want to sue both companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XXXX, XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
At the time of my request for a Loan Modification I was experiencing a hardship in my life. Let me restate at am I am a single, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Although my Wells Fargo Mortgage reflects my ex-husband on the loan, he is in no way involved in my current life or my income status. Wells Fargo made a huge error at the time of my refinance and failed to remove my ex-husband from my mortgage loan ( covid era ). This error was made even after countless times of providing copies of my divorce decree. 
I left the loan in that condition with disgruntled feelings of being powerless over the major communication issue with Wells Fargo ( WF ). 
My reasons for requesting loan assistance last year were due to my hospital visit In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My recovery from being XXXX  took a span of over 3 months. During this time, I encountered job change, job loss and a manifold of other hardships that entails with managing a single income household. 
I was unemployed at the turn of the new year, and in XXXX XXXX XXXX I applied for Loan modification assistance, which was accepted on XX/XX/XXXX. 
On XX/XX/XXXX XXXX I was hired with full time employment. I communicated with WF to update them of my employment, and I arranged to begin making monthly mortgage payments. 
In XX/XX/XXXX, WF verbally confirmed that my regular mortgage payment of {$1400.00} would be due on XX/XX/XXXX. No other amounts or issues were specified, and I ended the call with assurance of moving forward. 
On the day of XX/XX/XXXX, I received a phone call from Wells Fargo stating that there has been an update on the changes of my monthly mortgage to include a payment of the Mortgage Assistance. WF went on to explain that my forbearance approval did not include payment deferment ( pushed to end of loan ) leaving the total of XXXX XXXX  due immediately. They offered two payment options that are not feasible for my single income household. 
My most recent conversation with WF on XX/XX/XXXX I called to speak with my assigned specialist in the Loan Modification department. I requested for a copy of the Loan Modification payment options and explained to XXXX how confusing it is to receive multiple phone calls by different WF agents and no consistent reliable documentation. The mail received from WF has conflicting amounts and confusing verbiage. 
WF has informed me that they do not provide availability to speak face to face, zoom call or directly email communication. The closing statement XXXX said at the end of the conversation was advising me that the payment options presented are subject to change at any time.

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