vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had an account with XXXX Bank about 8 years ago. I used the card one time and paid the monthly balance. There was an outstanding finance charge of less than a dollar. I pleaded with XXXX XXXX to allow me to pay the small fee and waive the late fee but they insisted on corrupting my credit history from such a small petty charge. I paid the balance and shut the account down and never used it again. It has been beyond the 7 year period of reporting. This account should NOT be reported on my account and has negatively impacted me for all of these years. I alerted them to this issue that it should fall off and they have not taken any action. It is disturbing that XXXX Bank would break the law and continue to report this petty faulty information on my report. I have multiple car loans, mortgages and credit cards and this is inaccurate to my character.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018

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 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I pre-qualified for a {$150000.00} mortgage with Wells Fargo. I found a property valued at {$85000.00} and made an offer which was accepted. As the mortgage process formerly began, I received routine requests from Wells Fargo for information and delivered supporting documentation in 1-2 days.

Throughout the coming weeks, my application was always described as " approved ''.

Less than 10 business days prior to closing, I received a request for additional documentation or proof of income/assets. This included proving that my direct-deposit tax refund was actually from the IRS. Moreover, I was instructed to provide monthly statements from brokers that only issue quarterly statements. 

After much frustration and speaking with managers, I gave up. 

I learned that no one is actually " approved '' until the mortgage is funded.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened an Amazon store card in XXXX that offered 0 % interest for XXXX  months. I purchased an item and immediately set up auto-payments. I recently learned that every subsequent item I purchased on the card ( within the 24 month window ; {$640.00} ) was not applied to the 0 % promotion because I didn't " check the box '' to apply it to the promotion. I didn't not know that all those charges would be charged interest ; this was not made clear to me during the purchasing process. Additionally, I found the Amazon store card would randomly pop up as the preferred form of payment during check out, without prompting, and thus additional charges were placed on the card when I expected them to go on another primary credit card. To date the total amount of purchases on the card total {$2800.00}, with payments totally approximately {$2600.00}, leaving a total of {$130.00} due ( minus expected interest after the 24 month initial period ). Despite this, my current balance due is over {$2100.00}. I find the terms and purchased processes of the Amazon store card to be deceptive to consumers and I fully dispute the total balance due. I have closed the card.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXI. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hello- I had several payments scheduled with American Express and had my account abruptly closed with no explanation. 

On XX/XX/2022 I paid {$2300.00} to American Express. 
I scheduled a payment of {$3500.00} for XX/XX/2022 to American Express on XX/XX/2022 and confirmed with the American Express rep over the phone that my account would be current. 

On XX/XX/2022 my login to American Express no longer worked. I tried resetting my password with no luck. I called American Express and they offered no explanation. 

I called again on XX/XX/2022 and a rep could not offer an explanation but it appears there was an issue with my account. I told this rep to cancel all scheduled payments and he agreed. 

I received a total of XXXX ( XXXX ) emails from American Express on XX/XX/2022 stating that my {$3500.00} payment scheduled for XX/XX/2022 would process. I called American Express again on XX/XX/2022 and asked why this was the case and they could not offer an explanation. I called my bank XXXX XXXX XXXX XXXX ) to have a stop payment on all payments to American Express. 

I called American Express again asking for an explanation and received none. 

I received an email on XX/XX/2022 that American Express cancelled my account and demanded I pay my balance in full with no explanation as to why they cancelled my account. 

I emailed them and their response was " Thank you for reaching out to us. We will forward your request to the appropriate department ''. After multiple emails to American Express between XX/XX/2022 and XX/XX/2022 I have yet to have XXXX identifiable American Express rep respond to me. I have only received automated messages. 

I am now asking CFPB to mediate going forward as I believe American Express has been acting in bad faith and has not responded to any of my emails beyond some generic response stating " Thank you for reaching out to us. We will forward your request to the appropriate department ''. 

I do not trust the reps that I have called at American Express and they have not been honest with me regarding any of my scheduled payments, account status, and how I will proceed from here with paying my balance. I frankly don't feel comfortable wasting any more time as this issue has been going on for XXXX weeks now with nothing but bad faith actions from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information 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

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, TransUnion, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
the account with XXXX XXXX was paid in XX/XX/2020 in agreement to Cease debt collection and removal of the account from my consumer report Equifax has contiued reporting this account regardless of my dispute and evidence. I have now received a granted motion and notice from the court that his record is to be sealed and not available for public viewing or inspection ( attached evidence of granted motion. Equifax must delete this account as it is a sealed account no longer available for public viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On Tuesday, XX/XX/XXXX " Current '' Bank froze my account with {$500.00} in it. They sent an email asking for me to send a picture of my ID and myself - as well as a recent cellphone or electric bill and then asked me to go in-depth with transactions on my account- all of which were made by me and none of which I disputed or ever tried to consider fraud. After providing the info requested the SAME day and not having any kind of follow up from Current, it is now XX/XX/XXXX and my account is still locked. First, I do not like the invasion of privacy from an " online '' bank into my financials or why I spend it as if they are a court of law. Second, I have requested more than once for them to review the information submitted so I can access my funds and be done with their bank. I have had an account with them since XXXX of XXXX and used them sparingly for the simple reason that I do not trust a bank without a brick and mortar location and this is why. I usually used them as a last resort or if I had someone who needed to send me money " easily ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I made a complete payment of the credit card amount around XX/XX/2022. I was told this was a COMPLETE payment for the remaining amount. Later, there was an interest charge. I was unaware of the charge nor did i receive any contact from the company regarding the charge. I only became aware of the charge when my credit score was hit with a late charge for an unknown charge.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I received an email from the CFPB regarding a disputed account on my TransUnion Credit Report. The account in the dispute is XXXX XXXX  acct # XXXX this account still appears on my credit file even after the results from the CFPB. Attached is a copy of the email from the CFPB stating that TransUnion will delete this acct. This what on my email response from TransUnion Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. XXXX, XXXX, TransUnion. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. XXXX XXXX TransUnion has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states XXXX XXXX TransUnion had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by XXXX or TransUnion. 4 # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( 1 ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact 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 explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX XXXXMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation