vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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 made Experian aware of the continued abuse of the corporations unlawful use and abuse of power and position through deprivation of rights through color of law. Attached are forms and files that exonerate my previous and current disputes with these fraudulent thieves disguised as a legitimate business, At this exact moment in time experian has been violating my federally protected rights. To further the continued insult to my financial well being experian has continued to violate my Copyright & Trademark that I, the Attorney in Fact of the XXXX XXXX person. I have legal, equitable and beneficial interests and complete control of all legal, financial and reputable interest for this " Person '' also known as XXXX XXXX legal fiction character. 
Experian has until this evening to remove 2 bankruptcies that they have listed on credit account that legally can not be tied, connected associated through either assumption or presumption. 
Experian is under Legal Notice and Demand to respond accordingly to the written and expressed instructions of I, the Attorney in Fact. Immediately. Oh, and to mention incorrect information being reported that is immediately noticed when reviewing information from all three of the reporting companies.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request the enforcement of my legal rights regarding inaccurate and unverified information on my credit report. The purpose of this dispute is to address multiple violations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and ensure that my credit report accurately reflects my creditworthiness. 

Creditor Information and Violations : Creditor Name : XXXX Account Number : XXXX Violation 1 : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ), which requires accurate and verifiable information for maintaining the integrity of credit reports. 

Violation 2 : Failure to Provide Verification Despite my request for clarification and verification of the account details, XXXX has not provided adequate information to verify the accuracy of the account. This failure to provide verification violates FCRA Section 611 ( a ) ( 1 ) ( A ), which entitles consumers to accurate and verifiable information upon request. 
Personal Impact : To illustrate the significant impact of these inaccuracies, I would like to share a personal story. Several months ago, I applied for a mortgage to purchase my first home. The inaccuracies in my credit report, particularly the unverified account information from XXXX resulted in a lower credit score than I deserved. As a result, my mortgage application was denied, and I lost the opportunity to secure the home that held so much promise for my family 's future. The emotional distress and financial setback caused by these inaccuracies have been overwhelming. 

Resolution Request : I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA and take appropriate action to address the violations outlined above. Specifically, I ask that you ensure the removal of the unverified account entries associated with the account numbers mentioned above from my credit report. This action is necessary to restore the accuracy and integrity of my credit report and to prevent further negative impacts on my financial well-being. 

I appreciate your prompt attention to this matter and your dedication to upholding consumer rights. I am hopeful that your intervention will lead to a resolution that corrects the inaccuracies on my credit report and prevents similar situations for other consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$0.00}

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 2023-08-31 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: PA

Complaint narrative:
I XXXX XXXX Noticed two Fruad accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX XXXXXXXX XXXX {$590.00}

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 2023-08-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My debit card has been compromised.. the card has never left my posession but some how roughly XXXX dollars was used from online shopping stores. I noticed this as they were still pending. Immediately i called wells fargo to open a claim and to try to have them stop the pending transactions.. they did nothing just opened a claim.. i called back then called the merchant on XXXX way with the bank representative pleading to deny the pending charges and neither the merchant nor wells fargo did anything to prevent the processing. Couple days later wells fargo denies the claim saying that the merchant ( rebag ) had my adress and zip code and this was a valid reason to deny my claim.. i asked to reopen claim and investigate better, theu refused XXXX i asked to open another claim, they say i can not open another claim once the first is denied.. i asked what i can do, wells fargo said that at this time it is between me and the merchant.. i called the XXXX XXXX  and they wont do anything without the order number.. i said i dont have an order number because i didnt nake the order.. they then told me to dispute it with wells fargo.. and the circle goes round and round.. i jave had XXXX XXXX calls to wells fargo in less then a week.. for them to deny this case and give me no reason besides the merchant new my adress and zip code, is disgusting, unbelievable, disturbing, heartbreaking, sickening and devastating. My card goes into fraud once a week for simple XXXX XXXX XXXX dollar purchases but just XXXX of these fraudulent transactions was almost XXXX dollars.. my limit per day is only XXXX but somehow almost XXXX goes in few hours.. they say they base investigations on spending habbits.. i yave never soent this type of money in a day in my 15 year history with wells fargo but yet on this specific day not a text an email or any other type of alert.. as i stated wells fargo was notified within hours while the charges were in early pending stages, and showed no desires to care to help me.. so sad hurt disappointed and angry. That this is how i was treated .. all calls are supposed to be recorded id love for you all to hear how i have been mistreated

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 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Per the Cares Act from the government, payments made to student loans during the pause period from XX/XX/XXXX to XX/XX/XXXX are eligible to be reimbursed. It says this on the federal student aid website and it is encouraged to contact the loan servicer to get the money back. https : //studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest. It says exactly this right now, Refunds During the Payment Pause. You can get a refund for most payments ( including auto pay ) you make from XX/XX/XXXX, through XXXX XXXX, XXXX. If you have a Direct Consolidation Loan, you cant get refunds on payments you made before consolidating. Contact your loan servicer to request that your payment be refunded. I contacted MOHELA today, XX/XX/XXXXXXXX to request the refund but they are refusing to put the request through because they are interpreting the statement to be that after XX/XX/XXXX you can not make that request anymore but the federal student aid website does not say that. Their website still encourages you to contact the loan servicer for the refund. Mohela will not let me talk to a supervisor. I asked that they just put in the submission but they are refusing because they say it will just be denied. I said even if it is denied I would like to try but they are refusing saying they are allowed but this information is not on their website and can not be found anywhere in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I checked my credit report and to my surprise all three credit bureau ( XXXX, trans union, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I checked my credit report and to my surprise all three credit bureau ( XXXX, XXXX XXXX, equifax are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: CA

Complaint narrative:
Transunion dropped my credit score by XXXX for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.

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 2023-09-01 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: FL

Complaint narrative:
I noticed that an inquiry with XXXX XXXX XXXX XXXX with the date of XX/XX/XXXX is scheduled to be removed on XX/XX/XXXX. I am inquiring as to if you would be willing to process this as an Early Exclusion and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: FL

Complaint narrative:
Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony. 
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: VA

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. 

XXXX XXXX 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 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 2023-08-31 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: VA

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Your company is attempting to collect a debt without a contract. According to XXXX5 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I was given a preapproval for a home based on my income and qualifications being advised even though there was a gap with XXXX and income and funds needed that I would be fine at time of close not to worry. I put almost $ XXXX XX/XX/XXXX non-refundable earnest on a new build to later not qualify. Im the lenders info it advised that due to the loan being fha my earnest was full refundable. However the builder refuses to refund my funds. I advised builder/lender several times throughout the process that my income had decreased substantially and I would no longer qualify. This was early in on the process. And another buyer could have been established, as the home took a year and XXXX to build and didnt sell until XX/XX/XXXX. I considered getting a co-signer. Around the time I was required to fully qualify XX/XX/XXXX again I was diagnosed with a severe medical concern and I considered to be at default.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation