vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX 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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

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 2024-09-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my USAA debit card was used to make XXXX fraudulent transactions at a XXXX XXXX totaling {$770.00}. XXXX cash withdrawals were also made on the same day. To my knowledge, my card was not stolen as it was still in my possession. I checked my account balance as soon as I woke up and contacted my bank immediately. USAA refunded me for the XXXX cash transactions, but they recently determined that the XXXX 's charges were not fraudulent because they say my chip was used. It took them a long time to make their decision. If I would have know they were not going to take care of it, I would have pursued an investigation earlier. I have never shopped at that XXXX 's store. USAA originally provided a refund credit for the fraudulent transactions, but they recently reversed the credits. Now, my account is overdrawn and they are threatening to close my account if I do not pay them. I have requested the investigation information from them several times, but they have only provided a standard letter with XXXX sentence explaining that they denied the claim because my chip was used. I have banked with them for over XXXX years, and I have never had any issues. It is extremely upsetting that they can not provide me any of the information from their investigation. I can't even get information on the exact times the transactions took place or what was purchased. XXXX 's will not work with me directly, and it has been over XXXX months since the transactions took place, so it is doubtful that much evidence has been retained. I need assistance getting the investigation information because I have filed a police report and I will be seeking assistance from additional agencies to find a resolution and hopefully catch the thieves.

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 2024-09-19 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: FL

Complaint narrative:
Once again, we are having problems with Wells Fargo Home Mortgage. The following are some problems that have been addressed with Wells Fargo, But they failure to provide compensations after being found at fault of improper servicing of mortgages fined by your agency, 1 ) Wells Fargo Mortgage did a False eviction on our home causing us to spend unnecessary money on an attorney to fight the false eviction, Your agency fined Wells Fargo Mortgage Company for this type of improper behavior, we contacted Wells Fargo About compensation, but never heard back from them as of today XXXX. 

2 ) After reviewing our records with Wells Fargo Mortgage, again we found nonauthorized for Home life Protection Insurance, that we never authorized nor agreed to have on the loan over 13 years of unauthorized charges, but Wells Fargo Home Mortgage was contacted and they stated we would be compensated for this item, again as of today XXXX, still NO compensation from Wells Fargo Mortgage. 

3 ) Wells Fargo Home Mortgage added again an Unauthorized additional fire protection policies with an unknown insurance company on our loan without our permission. Again they were contacted, But again as of today XXXX, still nothing from Wells Fargo Home Mortgage. 

Well we got a letter from Wells Fargo Home Mortgage advising US that our mortgage would be now serviced by XXXX XXXX  starting in XXXX of XXXX, but still have not heard from them about the noted errors in servicing our loan.

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 2024-09-19 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:
I was shocked to find inaccurate accounts on my credit report this morning and I have no idea how they got there. I routinely check my credit report, and this time, I discovered errors that came out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the errors stayed. Despite my efforts, the inaccurate accounts remained. I'm asking for a thorough review of the documents I've sent so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My regular payment history does not reflect these late payments.

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 2024-09-19 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed some inaccuracies accounts/information reporting to my credit report. These remarks and have been detrimental to my life and credit health.

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 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX IQ Data International is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the U.S. Bankruptcy Code, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient used highly deceptive practices on my XXXX  student loan that I co-signed for. The college and its staffs utilization of terms like XXXX XXXX basically coerced a teenager into a very serious lending agreement with no explanation of terms. A portion of my social security has been withheld since I retired. I am XXXX. 

After only attending for 2 years, he began receiving collection calls stating he owed XXXX, which went up to XXXX. My son felt legitimately scammed, and filed numerous disputes with the credit bureaus along with Navient. Luckily he had the loan relieved and removed from his credit in XXXX. 

Navient still however has not removed it from mine, and has been withholding it from my social security since my retirement. I have reached out dozens of times, called the XXXX, requested school misconduct discharge application, no responses from Navient. 

Please add transparency guidelines to the financial aid offices of these colleges. Students and parents have to fully understand the terms of these loans being that are disguised as quick financial aid for books, by the teachers etc. Many working class parents know as little about finance as the kids do. Nobody ever called me outlining terms. No explanation of penalties, interest, nothing. How is this not a crime? XXXX accountability for the fraud being committed here. 

Please have Navient remove me from this student loan, I am a XXXX XXXX XXXX American taxpayer. Stop with the scams, any other company would be in jail for XXXX XXXX minded criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
Im honestly shocked and confused by the fact that there are inaccurate accounts showing up on my credit report today. I routinely monitor my credit report, but this time there were errors that seemed to appear out of nowhere. I even tried refreshing my browser in hopes that it was just a glitch, but the errors didnt go away. Its frustrating that the inaccurate accounts didnt disappear. I'm requesting that the documents I sent be reviewed thoroughly so I dont have to worry about this happening again.

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 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
Ive sent multiple copies of the letter I received from Federal Student Aid to MOHELA. Once they hit noncompliance on XX/XX/year>2024 I sent over XXXX copies of the letter every day. Ive sent daily emails with no response. When they do respond it is a blanket response? To get a real response I have to hurt their feelings and its just whining that I hurt their feelings. They havent done their jobs at all and now refuse to comply. I am not paying these loans. Ive done my time in public service and I have a legal document saying I dont have to. After all their belligerence they sent me a statement telling me I owe them for my next payment when I do not. They are legal required per HR2669 to reduce my balance to {$0.00}. If they would just comply, we would never have to deal with each other again. I filed a XXXX XXXX XXXX  complaint and they ignored it too. This company is reckless and predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After carefully inspecting my latest credit report, I identified an account that I believe is incorrect and was included without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
on XX/XX/year>2024 i received several alerts through credit monitoring services that a hard inquiry was done on my credit from XXXX/MILESTONE which i did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have a fraudulent account on my credit report. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: WA

Complaint narrative:
Cashapp at XX/XX/year> received at XXXX a {$50.00} dollars deposit to my Cashapp account. At XXXX I transferred it to my account. the charges to transfer were taken out of the funds and {$47.00} was suppose to be available for me to use instantly. Yet the funds never show up and Since that time I have received and sent text messages to the Cashapp support and one excuse after another has transpired to this point to contact your agency. Cashapp refunded.XXXXXXXX XXXX  which is the fee that was refunded, when they said the had not a thing to do with the transfer. 
sincerely XXXX XXXX

Company response to consumer: Closed with explanation