vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX of XXXX my home insurance policy ( purchased through XXXX and subcontracted to a company called XXXX XXXX ), which had been set to be paid via autopay, somehow did not get paid and the policy was cancelled. The insurance company ( " XXXX  XXXX '' ) has provided documentation that I was notified via USPS letter of the failed renewal, but for unknown reasons I never received this mailing. I therefore presumed my insurance had renewed via the autopay process as scheduled. On XX/XX/XXXX, while researching some personal financial records, I discovered that my policy had never been renewed. I immediately purchased a new policy effective XX/XX/XXXX, again through XXXX XXXX Then, in XX/XX/XXXX, I received a USPS letter in the mail dated XX/XX/XXXX sent from Wells Fargo ( my mortgage lender ) that my home insurance had expired XX/XX/XXXX. I then provided proof of the policy that had been in effect since XX/XX/XXXX, and in a letter dated XX/XX/XXXX the lender responded that I would be charged {$1900.00} for lender placed hazard insurance covering the period of XX/XX/XXXX to XX/XX/XXXX. I would like to know if I am lawfully responsible to pay this charge, based mainly on the fact that I was not notified until XX/XX/XXXX that I will be charged retroactively for retroactive dates of lender placed insurance coverage. The reason it is now XX/XX/XXXX and I am just submitting this complaint is that I spent months in communication with lender representatives who told me that the charge would be reversed, that it would just take some " pay cycles '', only to ultimately be told that I did have to pay it and that I should lodge my complaint with the insurance company. I made many calls and sent many emails to the insurance company, who, after lengthy review, ultimately denied any wrongdoing. I then reached out to the Connecticut Insurance Department, a branch of the XXXX XXXX XXXX XXXX XXXX. After several months of correspondence with XXXX, I was referred to the XXXX XXXX  XXXX XXXX, who then referred me to CFPB since Wells Fargo is federally-backed. 
I am submitting evidence of the auto-pay that I had set up for my policy renewal with XXXX XXXXXXXX XXXX as well as copies of the pertinent pages of my mortgage contract regarding borrower property insurance, which I hope may speak to the question of retroactive notification and insurance charges. Thank you.

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 2024-04-25 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am still getting emails from Experian saying they won't investigate the inaccurate information on my credit report. Every time I send a dispute they send me the same email stating they are not going to investigate because they think my request is suspicious are not from me. This is now the XXXX  time Im getting this email! I have given them my personal information, my address date of birth, social security number and yet they still refuse to investigate. It seems like this is a stall tactic for them to not correct the inaccurate information on my credit report. The CFPB website says they are required to investigate. I know this is a violation of my consumer rights and would like for them to be held accountable.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report Via XXXX and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report Via XXXX, and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account Numbers:XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted XXXX XXXX XXXXXXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately

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 2024-04-25 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted XXXX # XXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I am writing to formally complain about ongoing issues I have encountered with Waterfall Revenue Group regarding an unverified debt reported on my credit profile. Despite multiple attempts to contact them for a debt validation letter, I have not received any response, which has compelled me to seek your intervention. 

Here is a summary of my attempts to resolve this issue : Initial Request for Debt Validation : Date : XX/XX/XXXX Address : Waterfall Revenue Group, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, NJ XXXX Outcome : The letter was returned undelivered. 
First Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Second Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Third Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ XXXX Outcome : No response received. 
Email Communications : Date : XX/XX/XXXX Email Addresses : XXXX ; XXXX Outcome : No response received. 

In addition, I filed disputes with all major credit bureaus. Only XXXX responded, acknowledging my dispute and subsequently removing the account from my credit report. 

This lack of response from Waterfall Revenue Group not only violates my rights under the Fair Debt Collection Practices Act but also impacts my financial well-being. I kindly request your assistance in resolving this matter and ensuring that my consumer rights are not being infringed upon. 

Thank you for your attention to this serious matter. I am looking forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received the letter prepared on XX/XX/XXXX of 2024, which asks me about my past banking account of Capital One 360. Your letter indicates that I have XXXX accounts with Capital One 360. I might have XXXX checking account and XXXX saving account ; however, it was the long time ago, before the outbreak of the Pandemic, I am not sure them. The dispute case ID is XXXX and account ending number is XXXX. Another case ID is XXXX and account ending number is XXXX. Since I am not sure what I should do with this bank, I will enclose the copy of document, which you prepared and will mail it to Capital One headquarters addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of the address your company provided ; since the address is meant for Capital One XXXX not 360, ( Capital One 360, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX ), which I banked with. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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