vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Have been current on payment since XXXX never missed a payment, my payment increased from {$830.00} to {$1400.00} biweekly % XXXX increase for no reason. 
I have an ARM adjustable loan. Bank increased my Principle from {$310.00} to {$950.00} biweekly ( I am NOT talking about the interest ) my Bank is Wels Fargo. 
since XX/XX/XXXX. I had to sell my wife 's car to keep making my payment current. I have submitted all documents and trying to lower it since I'm on social security limited income. my Balance is about {$60000.00} only. Wels Fargo caused me great financial hurt for my limited income, I'm fighting to keep my house after XXXX  years of being current on my auto payment. the bank wouldn't let me contact my agent. I can't reach his extension number, when I call, instead I talk to a different one every time I call and start explaining everything from the beginning. I have the worse experience of my life, with Wels Fargo bank. It's been XXXX month trying to finalize this, but No lock, my credit score close to XXXX score.

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 2024-10-08 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-08 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: DE

Complaint narrative:
Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( 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 r
einsertion 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.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
Name of Account : Account Number : XXXX XXXX  XXXX Thank you for your time and help in 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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX, I sent payments in full via Registered Mail to CITI CARDS ' indenture trustee per their indenture agreement and other filings with the XXXX  for Account ending in XXXX and Account ending in XXXX. A Payment Instrument UCC 3-104 NEGOTIABLE INSTRUMENT for each of these accounts along with a PAYMENT ORDER/Instruction UCC 4A-103 were included with a cover letter. The indenture trustee received this registered mail on XX/XX/XXXX. To date they have refused to except my Instrument as payment with no lawful justification. I sent payments in full again for these same accounts again via Registered Mail, this time to CITIGROUP 'S BILLING INQUIRIES mailing address on XX/XX/XXXX. They were received on XX/XX/XXXX. A couple weeks ago I contacted them informing them to place the accounts in Billing Error Notice pursuant to 15 USC 1666 while they were taking their time to resolve these matters. The case was referred to the Executive Response Unit in which I was to receive a call within 15 days. They have not called. According to UCC 3-603 and 604 TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. According to the Law that governs consumer transactions this debt is Discharged. UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. CITI is in DISHONOR according to UCC 3-503. To date, CITI CARDS has violated their fiduciary responsibilities as servicers of my Credit Line. CITI knows that the payments provided are Notes used as financial instruments which I am entitled to collect based on the indenture agreement CITIGROUP filed with the SEC and the Trust Indenture Act of 1939. 
I would prefer not to include attachments with this complaint, but am happy to provide copies and register mail # s to CITI individual working on my behalf to resolve these matters.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case. 
Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-08 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-08 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: OH

Complaint narrative:
This is supporting Documentation for complaint # XXXX filed against transunion. The accounts reporting incorrectly have been removed by XXXX, and XXXX without any issue, but transunion has refused to remove this fraudulent information

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against GM Financial for an error on my account that has resulted in an incorrect late payment being reported to my credit file. 

I have always maintained an excellent payment history with GM Financial, and I have never been 30 days late on any of my payments. On XX/XX/year>, I made a payment of {$600.00} after switching to a new bank to ensure that I would not have any late payments. However, on XX/XX/year>, I received an email from GM Financial stating that the payment had been returned. 

I immediately contacted GM Financial to understand why my payment did not go through. The representative informed me that the issue was with my bank. I then contacted my bank, which confirmed that the funds were still in my account and that no issues had occurred on their end. Upon informing GM Financial of this, their representative acknowledged the issue but suggested I try to resubmit the payment. However, I was warned that a late payment might still be reported due to the system 's automatic reporting processes. 

I requested that GM Financial make a note of this error and ensure that no late payment would be reported, given that it was a system error and not due to any fault of mine. The representative, however, stated that I would need to contact XXXX directly if a late payment appeared on my report. 

Despite my efforts, a late payment has now been reported, significantly affecting my credit score. Upon contacting XXXX, I was informed that GM Financial provided me with incorrect information and that GM Financial had the ability to correct this error before it impacted my credit report. 

I am requesting that GM Financial immediately remove the incorrect late payment from my credit report, as it was a result of a system error and not due to any failure on my part to meet my payment obligations. 

This situation is having a severe and unjust impact on my credit standing, and I believe my consumer rights have been violated as a result of XXXX XXXX handling of this matter. 

I have attached my payment history as proof that I have never been 30 days late on any payment. I respectfully request the CFPB 's assistance in resolving this issue and ensuring that GM Financial corrects the error in a timely manner. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting Dear Experian, I am writing to formally dispute the inaccurate reporting of charge-off accounts associated with XXXX, XXXX After reviewing my credit report, I found the following account numbers that contain inaccuracies : - XXXX, XXXX. 
Account Numbers : XXXX, XXXX, XXXX, XXXX The reported information, including amounts and addresses, is inaccurate. I request that you delete these accounts from my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, this information must be promptly deleted. 

Please provide me with all information your bureau used to verify the inaccuracies in these accounts. Should you fail to comply with my request for deletion and can not produce XXXX XXXX compliant evidence, I will have no choice but to involve my legal team to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, along with pursuing any further legal action deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please send me an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: AL

Complaint narrative:
My personal information was compromised during years of XXXX XXXX. I am now accessing my credit report to report items that are not mine.

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 2024-10-08 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: Io, Inc.
State: FL

Complaint narrative:
I mailed this company a letter on XX/XX/year>, asking for validation of such debt and also requesting the purchase agreement of such account. 
This letter was mailed USPS Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX The company signed & received my letter on this date : XX/XX/year> This company never responded back to me. 
I have noticed this company keeps updating inaccurate information as well as increasing the balance on this account to the credit reporting bureaus. I just dont understand, I never received anything from this company about this debt, nor do I have any contract with them for them to keep increasing the balance, nor did they ever respond to my certified mailed letter. 

*Copy of the written request sent to company attached. 
*Copy of the USPS CERTIFIED TRACKING RECEIPT attached. 
*Copy of signature from company that they received my letter. 
*Copy of my credit karma account showing this collection balance increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: PA

Complaint narrative:
I am writing with extreme frustration to demand immediate and final resolution to the ongoing and unresolved issues with my credit report. Despite multiple disputes submitted the following erroneous and unrecognized negative items continue to remain on my report, in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing with extreme frustration to demand immediate and final resolution to the ongoing and unresolved issues with my credit report. Despite multiple disputes submitted the following erroneous and unrecognized negative items continue to remain on my report, in violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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