vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Have tried calling multiple times to get answers as to why my discharge has not been processed in over 2 years when over a year ago its stated on XXXX that the discharge was processed and awaiting services and to contact services in regards to said discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: 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, 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 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 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 2024-12-13 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: FL

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 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 2024-12-13 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX & XXXX XXXX XXXX, XXXX, CA, 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 2024-12-13 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: IN

Complaint narrative:
After reviewing my latest credit report, I noticed several accounts that appear to have been added without my authorization. Please investigate these accounts and remove them as they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I noticed ( when checking my account online ) that a {$1000.00} payment was purportedly made to my Citi Bank credit card account from a payment account that was not mine. I immediately notified Citi that I thought a fraud was in progress and that I did not make the payment. At Citi 's suggestion the credit card was canceled and replaced. Thereafter, Citi notified me that the {$1000.00} payment was not honored because of NSF and that I would be charged a {$30.00} " returned check '' fee. Thereafter, I chatted online with a city representative who told me that I was responsible for the " bounced payment '' ( " bounced '' is my word not Citi 's ) I never made or authorized. The account is one I have had since XXXX. I almost always pay the bill in full. No payment was due when the fraudulent {$1000.00} payment was made.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom I

t May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : Caine & Weiner, consumer adjustment company, midstate collection company, and national credit system.

I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

ACCOUNT NAME : Receivable Recovery DATE OPENED : 10.05.2022 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX Bank reported following information to Chexsystems. 
Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

XXXX XXXX is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to Chexsystems and affecting my personal life and financial status. 

I request XXXX XXXX to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection.

7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. XXXX XXXX reported my address as " XXXX XXXX XXXX '' on chexsystems report, provide proof of this address being my address during banking with XXXX XXXX. 
XXXX. If any of the information on chexystems report incorrect, I reqjuest XXXX XXXX to remove record from chexsystems. 
XXXX. If XXXX XXXX  makes any updates to record on chexsystems, I request XXXXXXXX XXXX to provide proof of real information that XXXX XXXX  updates on credit report. 
XXXX. XXXX XXXX is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to chexsystems and violating fair debt collection act by reporting inaccurate debt to chexsystems. 
XXXX. If XXXX XXXX does not provide and answer all my complaint questions with proofs, I will file a lawsuit against XXXX XXXX and Chexsystems Inc for the alleged debt reporting and hurting my personal and financial life. 

I request XXXX XXXX to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. 

If XXXXXXXX XXXX does not respond my complaint in 15 days, or if XXXXXXXX XXXX does not provide proofs requested in complaint, I request XXXX XXXX to remove this record from chexsystems and XXXX XXXX XXXX XXXX. 

Sincerely 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I applied to refinance the existing conventional mortgage on my home with Wells Fargo due to their competitive interest rates. Wells Fargo promptly locked me into the rate by covering the appraisal fee. The appraisal concluded that my homes value and condition met FNMAs underwriting standards and that there were no conditions attached to the appraisal. This conclusion is consistent with the appraisal conducted just 12 months ago when I originally purchased the home. 

Subsequently, XXXX XXXX underwriting team informed me that I must install a handrail on a flat-top roof due to door access. While this may be required under current building codes for new construction, my property is grandfathered under local building codes, as the area in question has not been altered. Moreover, the appraisal explicitly stated that no handrail was necessary. 

When I inquired about the basis for this requirement and requested clarification regarding the underwriting guidelines necessitating such an improvement, XXXX XXXX underwriting team repeatedly stated that it was their internal requirement. No specific guidance or justification aligned with XXXX XXXX XXXX XXXX was provided. 

I informed them that conditioning the loan on installing a handrail would eliminate any of the economics of using them based on their rate. I furthermore conducted research and consulted with underwriters from other financial institutions, all of which indicated that XXXX XXXX requirement exceeds FNMAs guidelines. XXXX XXXX underwriting team even asserted that, Underwriting calls for items deemed safety concerns even on as-is reports ; we dont need the appraisers input in such instances. However, according to XXXX XXXX XXXX XXXX, Section B4-1.3-06, Property Condition and Quality of Construction of the Improvements, underwriting decisions are to be based on the appraisal report, which, in this instance, explicitly noted no conditions requiring a handrail. 

This leads me to conclude that XXXX XXXX underwriting team is imposing requirements that exceed XXXX XXXX guidelines and are based on subjective internal policies rather than objective criteria established by XXXX. 

Furthermore, under the Truth in Lending Act, any additional conditions or standards imposed by a lender beyond those required by the GSEs must be adequately disclosed. Upon discussing this matter with my loan officer, I was assured that my application was not subject to standards exceeding FNMAs guidelines. However, XXXX XXXX actions suggest otherwise, as they are conditioning my loan approval on adherence to internal standards rather than the guidelines to which my loan should be underwritten.

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 2024-12-13 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion TransUnion XXXX XXXX, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within four business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report.

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA 605B and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in 15 U.S.C. 1681i.

I have attached the following supporting documents for your review : A list of the hard inquiries in question.

A copy of my consumer FICO credit report maintained by TransUnion showing the fraudulent items.

A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft.

I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud.

In accordance with FCRA 605B, I request that TransUnion take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

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 non-monetary relief
Consumer complaint received 2024-12-13 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: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Account was closed without my knowledge and left with a balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-13 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: OH

Complaint narrative:
I have a complaint and would like to file a complaint. I disputed negative items and errors on my credit report, XX/XX/year>. however, during and after the dispute process my accounts were not marked as required by law under Section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This illegal misdoing entitles me to up to {$1000.00} in damages as well as all future attorney fees covered should a civil complaint follow. Also according to the Federal Credit Reporting Act, all credit bureus are subjected to and required by law to accurately and timely investigate disputes. Credit Bureaus are required to mark disputed accounts, not doing so is illegal.

I have attached photographic copies as proof my disputes were not accurately and timely marked as required under Secion e ( 8 ) of the FDCPA.

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