vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My situation is unique in that I was subjected to extreme debilitating harassment, stalking, and egregious actions by many members of the XXXX XXXX Police Department. Threatening messages was relayed to me by many co-conspirators that these people were going to -run me out of my home! Their harassment tactics was so atrocious that it caused me severe and impactful undue rest that ultimately led to me leaving my home in hopes to regain some form of mental peace from the relentless anguishing stress these people were oppressing upon me! I called Wells Fargo ( XXXX ) XXXX on XX/XX/XXXX, spoke with XXXX and explained this very situation to her and it being the reason for the delinquent mortgage payments causing me to fall into foreclosure status. She then expressed her compassion for my unfortunate situation, then transferred me to XXXX in another mortgage area. I was told that he would be the person to assist me with mortgage assistance options. When talking with XXXX and explaining the same details about what I was subjected to by this police department, and other co-conspirators, in short, he stated that WFHM still shows me as the homeowner, I can live in my home, and to consider legal advice. XXXX said there is no current court date for a foreclosure sale of my home. He asked if I was working again and resume normal payments of my mortgage loan again, I said yes. But then he said that because of the foreclosure status, WFHM would not accept any payments from me at this time. This was conflicting information! He then mentioned options for assistance, said that he was submitting my request to underwriting, and provided this website to apply for assistance : ( www.wellsfargo.comXXXX ) - this page is invalid. In my diligence to expeditiously begin this process, I searched today, XX/XX/XXXX, and can not locate any forms on Wells Fargo 's site for me to apply for assistance. I also made an in-person visit to Wells Fargo back in XXXX of XXXX to make them aware of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: CO

Complaint narrative:
on XX/XX/XXXX, I opened an account with Chime so my roommate could transfer me rent. i got a text that the account was open and money was transferred. the next day i got an email that says the account was closed due to non compliance with user account agreement and no refund will be issued. nothing else.. no reason. i called and complained to them and all they would say was non-compliance. over and over. eventually they asked me to verify my identity. i gave them pictures of my drivers license and passport and of the letter they sent to my home with the debit card. still non compliance. ive opened a case with the XXXX and now i am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have noticed XXXX hard inquiries on my XXXX credit report that I did not authorize. Both inquires came from Home Depot/Citi Bank . They both appear on my report under the name XXXX. XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with Home Depot. Around XX/XX/year> I contacted Home Depot regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to XXXX. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted Home Depot. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted XXXX on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.

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 2024-05-23 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Company Eastern Account System has responded on XX/XX/XXXX complaint # XXXX. Company has advised validation of debt letter has been sent on XX/XX/XXXX. I have never received this letter therefore I do not consent or agree to the assumption of this debt being owed by myself. I dispute all parts of this debt as your company has never provided information by XXXX mail neither now or have I received anything on XX/XX/XXXX. As advised I have verbally through dispute advised Eastern Account system is in violation as it has been provided that this account is in litigation. As your company will be able also responsible for not acknowledging this guideline per the FDCPA. I advise all parts of this alleged debt be removed as you have not provided proof or provided written validation of this debt pursuant to the FDCPA on debt validation. Failure to continue to furnish my consumer report all violations shall be brought up in a lawsuit with the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.

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 2024-05-23 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX distress, XXXX, XXXX distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX XXXX, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-05-23 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-23 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: IL

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-05-23 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: OH

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 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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mother 's tax refund check was first sent to a inaccurate card by her chosen tax filing preparer before finally being rerouted to Wells Fargo in XXXX, Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) where it's been held for verification & lack of address history for the past 2 months, which has hindered our ability to pay rent, bills, tuition, etc. My mother has called almost everyday with calls either going to voicemail or long wait/hold times & she's not able to get to the bank in person much due to lack of transportation & a few health issues and appointments. We're both in between a rock & a hard place with the withholding of the check when the IRS has already verified and released the funds to her ; the tax filling company verified, processed, and released the funds, but the Wells Fargo bank had halted the process and it seems like they're in no rush to actually resolve the 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 2024-05-23 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: NJ

Complaint narrative:
I got an inquiry alert that someone applied for a line of credit from XXXX XXXX XXXX on XX/XX/year>. I did not do this. I reached out to the bank for clarification, and they confirmed and then cancelled the application. They advised me to reach out to all three credit bureaus and report it.

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 2024-05-23 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:
Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

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 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX  Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/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 2024-05-23 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: CA

Complaint narrative:
Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

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 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief