vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an 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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : The remaining temporary provisional credits to be issued immediately to my account. 

I am providing documentation to show proof that I did report all of the fraudulent, unauthorized wire transfers and unauthorized fraudulent withdrawals from my accounts within the 60 day time frame. ( See attachments ) The reimbursement for the remaining unauthorized transactions for accounts should be reinstated and a temporary provisional credit should be issued for the remaining balance of the transactions for both accounts, as the investigation is on going. ( See attachments. ) There must be a temporary provisional credit for both accounts immediately, for the full amount, as the investigation is still on going, as and additional time was requested by the bank. 
The end of the ( 10 ) business day wait time for both accounts ended.

I also, went in to the bank for help to resolve this issue and got no help.

I was also not contacted by the claims/fraud department for additional documentation to provide proof of my reporting these unauthorized transactions from my accounts, the bank instead try to blame me for something that they didn't even bother to ask for, and then proceeded to prematurely close the investigation and assumed that I didn't have proof, ( which I do have proof ) .. to then deny the remaining unauthorized transactions. 

On XX/XX/2023 I tried to apply for a wells fargo personal loan when these unauthorized fraudulent transactions took place to try and recoup my money, and was denied the loan with a hard inquiry that is still on my credit report. 
Please see the additional documentation for proof of my reporting to Wells Fargo all unauthorized transactions for both accounts within the 60 day time frame. 
Regards, 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 monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: TX

Complaint narrative:
Carmax alleged as the seller of this contract to be the lender but they are not. In fact Carmax has committed fraud in factum and securities fraud. The contract is the security that is being used to trade and was deposited into a financial institution which the banks has to transfer as banks only work as transfer agents which by lawful definition they transfer securities and deposit them. Carmax not only received a purchase money loan in which they kept for themselves but disguised it has if they loaned me this said money knowing they would sell this contract several times to investors by pooling it together with other consumer contracts and sold on the secondary market but not before transferring it through the treasury on the primary market so the government can pay out. This scheme has been well hidden from me but the account is tied to an investment that is find on the New York stock exchange under Carmax cusip number and my account number. This account has made millions while I have not been compensated for my investment. Furthermore the Federal Reserve Act specifically states that banks can only use notes, drafts, and bills as collateral so how is the contract listing my estate private property?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-08 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-08 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-08 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: CA

Complaint narrative:
Experian missed my Mortgage and Auto 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 2024-02-08 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TJC Mortgage, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to attempt to collect an alleged from me not owed. There are sever inconsistencies with this alleged transaction and XXXX XXXX XXXX has failed to prove what I stated from being true. First XXXX XXXX XXXX was transferred this loan from XXXX who was transferred the loan from XXXX Mortgage XXXX. Neither XXXX nor XXXX XXXX XXXX have the ORIGINAL promissory note. By banking law the term servicer means to hold the loan. 

See 12 U.S. Code 2605 By XXXX XXXX XXXX very words it states What type of mortgage company is XXXX XXXX? 
XXXX XXXX is primarily a mortgage servicer Furthermore the note is being securitized and currently worth over a XXXX dollars to their investors according to the report I pulled when I traced the account on the stock market. XXXX XXXX XXXX is listed on the XXXX XXXX XXXX XXXX as COOP. 

Since this note acts as the security which is being used as collateral for the loan I am entitled to the equitable interest from these profits or this would be securities fraud as the note is mine and the federal reserve act specifically states banks are barred from using anything other than notes, drafts, bills and other negotiable instruments for collateral. 

XXXX XXXX XXXX is also responsible for paying taxes and paying me the principal and interest per the IRS publication which further proves tax evasion as this account has not been reported accurately. 

None of the companies have produced any evidence to contradict this statement but used harassing methods and threats to seize my private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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 name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-08 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: MI

Complaint narrative:
To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 

XXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b. 

XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MI

Complaint narrative:
To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 

XXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, we made a {$1300.00} payment into escrow and it was reversed. Then it shows up on XX/XX/XXXX they took {$520.00} of the {$1300.00} leaving us a balance of {$840.00}. We don't know where that money went. On XX/XX/XXXX they made an unauthorized payment of {$1500.00} and we were trying to pay {$520.00} into the escrow but that's what we were told we owed. In all actuality we didn't. So on XX/XX/XXXX they reversed the payment after my husband complained about them taking it without authorization and the money was returned to his account on XX/XX/XXXX. My husband then made another payment through a different bank account on XX/XX/XXXX for {$1500.00} and our bank says they have the money and it was received on XX/XX/XXXX and now it shows that the money was reversed to the account my husband closed because his account was hacked in their breach and he no longer has that account. So the money he sent on XX/XX/XXXX they say has been reversed and returned to a closed account in the amount of {$1500.00} which is our payment made on XX/XX/XXXX from a totally different account and they reversed that, which shows on our statement from them. They will not apply the money we have sent. We have been going back and forth and they are refusing to fix their mistake. My husband has never given them permission to just go into his account and take me, he always calls and pay it on the XXXX of every month. This has been a nightmare. It looks like we are behind because they want apply our payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: AZ

Complaint narrative:
I am following up on my complaint dated XX/XX/2024 regarding the consistent oversight of my requests for correcting the erroneous status of my account by your agency. Despite multiple written submissions, I have not received any response thus far. Furthermore, inaccurate information concerning my accounts persists on my credit reports, indicating potential non-compliance with the Fair Credit Reporting Act, specifically 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information raises concerns of willful negligence and non-compliance with federal statutes, despite my persistent efforts to address the matter directly with the creditor. Below are the accounts that continue to be reported : Experian : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00} XXXX : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00} XXXX : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00}

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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has multiple mailing addresses : XXXX XXXX XXXX XXXX GA XXXX and zip code XXXX XXXX XXXX XXXX XXXX GA XXXX & and zip code XXXX XXXX XXXX XXXX XXXX, GA XXXX Thise addresses are from the many letters I have received from them in the past 9 months. 

On their website, it says send to dispute documents to : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I paid postage to send over XXXX pages of documents to the address above via certified mail on XX/XX/2024. I called to confirm if they were received the documents that included sensitive information ( copies of my driver 's license & social security number ). The representative said that I sent them to the wrong address. I explained that the adress is listed on the website and she gave me a completely different address : XXXX XXXX XXXX XXXX GA XXXX I have a fraud alert on my account because I have been a victim of identity theft multiple times. XXXX can not verify my identity over the phone. They are using fraudulent info on my account as if the info is true/correct/valid to verify my identity. For example, the representative asked if I had a loan with a company. If so how much are my payments. I told her that I have student loans and do not have payments because I am a student. I do not have and have not had any loans in my name. 
The representative also asked what was the exact date I placed a fraud alert on my account with Equifax. I told her that I did not know because I have fraud alerts and account freezes with all XXXX credit bureaus ( Equifax, XXXX and XXXX ) and that I have been filing disputes with them for over a year now. 
I don't know anyone that knows the exact date they place a fraud alert placed on their accounts. 

With multiple mailing addresses for the same company on the multiple pieces of correspondence that I have received from Equifax, they are making it nearly impossible to file a dispute, make corrections for anything on my credit report, or even communicate with them over the phone. I can not access their website because they can not verify my identity online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation