vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I reviewed my credit report on XX/XX/2024 and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Transunion inregards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reference too. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in which is an re insert and I was not notified about it. XXXX XXXX # XXXX. Are incomplete and inaccurate. 
Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. 
According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Per FCRA 15 USC 1681 AND 1692, VALDATION OF DEBT WAS REQUESTED. VALIDATION HAS NOT BEEN PROVIDED THAT INCLUDES WRITTEN DOCUMENTATION., SPECIFICALLY, DEBT CONTRACT; ASSIGNMENT CONTRACT; PURCHASE AGREEMENT, STATUE OF LIMITATION; DATE OF LAST MISSED PAYMENT; AGREEMENT GIVING 3RD PARTY RIGHT TO COLLECT/PUBLISH; PURCHASE AGREEMENT; LICENSE TO COLLECT IN NEVADA.  COLLECTORS CANNOT IGNORE LAW TO PROVIDE SUCH INFO TO VALIDATE THE DEBT AT THE CONSUMERS REQUEST.  A WRITTEN REQUEST WAS ISSUED AND MAILED ON XX/XX/2024 TO THE 3 MAJOR CREDIT BUREAUS AND TO PORTFOLIO RECOVERY AND IT WAS IGNORED.BY PORTFOLIO RECOVERY.  PORTFOLIO IS PUBLISHING NEGATIVE INFORMATION ABOUT ME TO A CREDIT BUREAU WITHOUT MY PERMISSION OF 3RD PARTY INTERFERENCE AND WITHOUT WRITTEN VALIDATION THAT THIS IS MY DEBT.  I DEMAND THIS ITEM BE REMOVED FROM MY CREDIT REPORT UNTIL OR UNLESS THE DEBT IS VALIDATED AS PER MY CONSUMER REQUEST.  NEXT I WILL ISSUE PRE-ARBITRATION NOTICE. CORRESPONDENCE TO CONSUMER SHOULD BE DIRECTED TO XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Specifically, the loan that shows a 60-day late payment for XX/XX/2019. This information is completely inaccurate, because before a 60-day late payment should be a 30-day late payment on the report, which was not reported. Actually, the reports show current/met terms for XXXX 2019. This student loan account did not require a payment in XX/XX/2019 due to the fact that at that time, I was enrolled full time at the XXXX XXXX XXXX XXXX  XXXX XXXX. Attached to this letter is a copy of my XXXX XXXX XXXX XXXX that confirms this information. Please remove this inaccurate late payment information from all of my consumer credit reports immediately, because it is affecting my financial goals. If you need more information regarding this matter, please contact XXXX XXXX of the XXXX at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The property at XXXX XXXX XXXX XXXX, XXXX, ca was allegedly sold to a company called XXXX XXXX XXXX through the lender 's trustee Clear Recon Corp.

Documents submitted are fraudulent on their face. do not have correct loan numbers or signatures to transfer a property worth XXXX Million for a XXXX debt, which is all faked and propped up to look like I failed to make payments. 

Checks were returned by XXXX to appear as if payments were not made. 

XXXX - criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm was in my XXXX XXXX immediately after completing XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and I received a late night text from someone pretending to be a XXXX XXXXXXXX. They referred to themself as XXXX XXXX XXXX. They asked for my social and account number. On phone call, he was asking your pay and that supposed to be higher. I thought he was from my XXXXXXXX XXXX. he said I would be eligible for back pay because I wasn't receiving enough pay. He convinced me to send the pay I received as proof of the amount I was receiving so he could send me the correct amount I should be receiving. He sent me a cash app request from XXXX in the amount of {$1900.00}, and XXXX is the company who pays me, so I approved the amount. But it didn't go through. Then I received a second cash app request from XXXX for the same amount, and I approved it. Then I quickly realized my mistake and called my parents, who then called Wells Fargo and reported what happened. Wells Fargo has been investigating the fraud since that time, and just informed me on XX/XX/year> by letter that they " completed their research ... and the provisional credit of {$1900.00} ... has been made final. Then I learned on the same day that Wells Fargo reversed the charges in my cash app account putting it into a negative of {$1900.00} without any notice or authorization from 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XX/XX/XXXX Venmo put a suspension on my Venmo account with {$2500.00} on it with my whole work check after I had tried to transfer the money out of the account because I was waiting on my new Venmo card to come in I dont have a {$1.00} to my name me and my kids havent since XX/XX/XXXX and today is XXXX and my lights just got turned off today Ive been calling and all of the representatives saying they cant do anything about it its up to the account specialist to handle the freeze on my account I cant move or use any of my money on it and they are saying the account specialist only able to use email and dont have a direct phone number they emailed me to send verification of drivers license I sent that then they come back and ask me for a 90 day statement to a prepaid chime card with the last 4 of the card number on it but the account is 3-4 years old and has been closed so I didnt have a 90 day statement they keep saying it take 3-5 days to get the problem resolved and its passed 3 business days and I still havent gotten a email response and their excuse is they are working on other customers accounts also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
In accordance with the fair credit reporting act Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
IVE RECEIVED MY CREDIT REPORT AND NOTICED SOME IN CORRECT ACCOUNTS REPORTING

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 2024-09-04 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: TX

Complaint narrative:
IVE RECEIVED MY CREDIT REPORT AND NOTICED SOME IN CORRECT ACCOUNTS REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My XXXX XXXX XXXX and used to open a checking, savings, and personal loan accounts in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I filled out their identity theft kit and had a XXXX XXXX XXXX XXXX XXXX employee notarize it. I submitted it to that employee the same day on XX/XX/XXXX. I've called in 3 times since then. I was even asked to email the identity theft kit notarized by their own employee to them because they couldn't find it. 

I emailed a digital copy on XX/XX/XXXX to " XXXX ''. I still have not received a response.

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 2024-09-04 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: CA

Complaint narrative:
I am submitting another complaint against EQUIFAX credit company for mishandling mine and my childrens social security and birth certificates claiming they still need more documentation from me to help me set security freezes on my childrens socials and credits I have sent these sensitive documents multiple times by certified mail and I have documents showing they have received my mail and documents and they keep denying my request even after every single document they requested was sent and received. I have sent everything possible I could ever send and they STILL have not helped me and ask for more documents they keep mishandling my documents and this is an urgent matter with our information. I have sent IDS, birth certificates, social card copies, proof of address and more! They need to be addressed. I sent this information three times. There response is always the same and it makes no sense to me and they are not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank states my account is past due and this account has been paid for years.

I have not used care credit in a very long time and this is showing up as a negative on my credit report. 
The company could not provide help because this account is so old.

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 2024-09-04 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX {$17000.00}, XXXX XXXX XXXX {$18000.00}, XXXX XXXX {$300.00}, XXXX XXXX {$1200.00}, XXXX XXXX {$390.00}.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I went to check my BoFA app on XX/XX/XXXX and the account had a lock on it. I called and they proceed to tell me they closed my account with no warning or explanation and on top of that they are saying it will take more than a month to receive the money in my account. I have had an account closed in the past and was able to get my money immediately, taking a month to not receive my money is absolutely insane. I've called multiple times, spoken to multiple people, zero reason and no way of getting my money quicker.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I have KICKOFF on my credit as non payment and I did not authorize this company to move forward with my information. I tried several times to email them with no answer. I want this removed from my credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-04 00:00:00
Product: Mortgage — VA 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My mortgage is a VA loan that was purchased by Newrez a couple of months following its origination. We have had longtime plans to release 1 acre of our 16 acres to our daughter so she can build her home. We got the area surveyed, soil tested, approved by our county committee, and legally separated into its own parcel, but it remains in our name. We had the quitclaim deed written up by legal counsel and took it the county register of deeds to transfer ownership to my daughter. The register of deeds at the county informed us that they are unable to file this quitclaim deed without a partial release from Newrez for this 1 acre out of the 16 acres secured by the lien ( deed of trust ). 

Upon initiating the process for a partial release, it was discovered that Newrez documents state that only 8 of our 16 acres are being held as collateral because its value was enough according to the appraisal to cover our loan amount should we default. Newrez mortgage documents do NOT match the lien ( deed of trust ) on file with the county, as that document states that newrez is holding all 16 of the acres as collateral. This MAJOR inconsistency in the lien ( deed of trust ) and the mortgage documents was not caught by the underwriter of our loan, the VA officer who approved it, the realtor selling the property, the title company who facilitated this purchase, and Newrez who purchased this loan. Had this been identified by one or more of these parties, I believe the loan would not have closed with this MAJOR error. 

Upon bringing this error to the partial release team at Newrez, they stated that this is now a legal matter that is to be addressed and corrected by their Legal Remedies team, as the county will not require a partial release when the lien ( deed of trust ) is corrected to state they are holding 8 acres rather then 16 acres. We have contacted this team via email and have not received any response in regard to this matter. This was a legal mistake that was made when the Lien ( deed of trust ) was filed with the county. At this time, the 8 of our 16 acres that Newrez states they are NOT holding as collateral are tied up by Newrez because of the ERROR on the Lien ( deed of trust ). 

We need this mistake corrected IMMEDIATELY as it is NOT ETHICAL and ILLEGAL for Newrez to be hold 8 acres of our property hostage due to a clerical error that Newrez failed to identify. In the state of Tennessee, this incorrect lien ( deed of trust ) is legally invalid, so it is also in Newrez best interest to correct this immediately as an invalid Lien ( deed of trust ) leaves the loan unsecured. If this is not corrected in a timely manner, we will take legal action to have our 8 acres given back to us.

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 2024-09-04 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:
I have wrote and submitted documents to TransUnion regarding Fraudulent accounts and addresses. They in turn responded with false statements stating that I did not provide the necessary documents to block/remove this information. As provided in this complaint that is false.

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 2024-09-04 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide a wet ink contract to confirm the validity of these inquiries or delete them.

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