vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
On XX/XX/ I had submitted a dispute to Equifax and upon Equifax investigation the results came back accurate on XX/XX/. How can the results be accurate? When my whole payment history is missing on my XXXXXXXX XXXX XXXX  account on my credit report especially when this account is a Charged off account. Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX. about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
My mortgage company transferred my loan on XX/XX/2023 from XXXX XXXX XXXX to XXXX XXXX The company is showing account closed instead of transfer. Also, XXXX XXXX XXXX is reporting me 90 days past due when in reality my payments have been transferred to XXXX XXXX. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent several letters to the consumer reporting agencies and I get a letter stating that it is not me and my letters are not addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/2023 I applied to Citizens Bank for a VA Cashout Refinance Loan. After some initial steps, an appraiser was sent to my home, On XX/XX/XXXX I was supplied with a list of repairs that had to be addressed in order to " meet all VA minimum property requirements. '' I was told that once all of these issues were handled, I would only have to await a closing date. The repairs listed were : install handrail for basement stairway, install handrail for front porch steps, cover switch at bottom of basement stairs, sump pump cover, scrape and paint various areas of house and garage to remove chipping & peeling paint, and hire a licensed mold contractor to determine if discoloration on basement walls is mold. I attended to all of these issues. From the beginning, my contact person was loan officer, XXXX XXXX. On XX/XX/XXXX, I informed him that all of the repairs were completed. A few days later I began to receive emails from mortgage processor, XXXX XXXX. On XX/XX/XXXX she sent me an expanded list of requirements that had to be met, which included : XXXX ) House and garage roof inspection/repairs. Contractor must state amount of remaining life expectancy in the roof ( s ).

2 ) Structural inspection of the crawl space foundation/ 3 ) Furnace/boiler to be inspected and all repairs made and listed in good, working condition.

4 ) Licensed contractor to determine cause of water infiltration and repairs needed.

5 ) Licensed mold contractor to test for mold in the basement walls and floors. 
None of these items was on the appraiser 's list. On XX/XX/XXXX she informed me that repairs of the house and garage roofs and the foundation would have to be completed before closing. 
My purpose for the VA Refinance Loan was to take care of these repairs. This seems cruel to take me through 4 month long process only to be told I have to make repairs that I need a loan to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, even though I have never been overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied credit by both XXXX and XXXX based on an Experian credit report. Since then, I made multiple unsuccessful attempts to get that report. Recently, I filed a complaint with CFPB to address the issue and the company responded without providing a means to get the report. As recently as this week I XXXX  their numbers for customer support and have not been able to speak with a live person to obtain the credit report they prepared that was used to deny me credit. 

Based on Experian credit reporting, XXXX and XXXX stated I have too many delinquencies, but that is false. And I have yet to see the report prepared by Experian. I can speak with live agents at XXXX and XXXX but not at Experian. Both XXXX and XXXX credit scores are over XXXX points higher than Experian. Why? I recently paid off my car loan and have one credit card with almost XXXX balance. I googled live customer support and called the number on the email to no avail. 

I filed this complaint because Experian has failed to provide the credit report, and I can not contact a live agent or get that report without paying.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Examine the attached documents. I want the bureau to initiate an investigation into these accounts that I am never late for, but they're incorrectly reported as late.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They never corrected my name which is XXXX XXXX XXXX and my Birthday correct Birthday is XX/XX/1971 and my correct last 4 of my Social Security number is 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 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
A. Young from American Express Customer Advocate Services Team responded to complaints { XXXX, XXXX and XXXX } on or around XXXX XX/XX/XXXX. However, the obvious inconsistencies in the table from XXXX XX/XX/XXXX were not addressed in the response. Therefore I filed CFPB complaint XXXX. American Express closed out the complaint alleging it was a duplicate of XXXX. AMEX knows or has reasonable cause to believe the information it is furnishing to the CRAs is inaccurate. The table from the XXXX XX/XX/XXXX reponse clearly shows an alleged missed payment that was 30 days past-due in XX/XX/XXXX, that magically becomes 120 days past-due in XX/XX/XXXX. It should be noted this is the exact number of days past-due ( XXXX billing cycles ) AMEX requires under its policy to charge-off accounts. As such, it appears AMEX changed an alleged missed payment from what at most would have been sixty ( 60 ) days past-due to 120 days past-due with specific intent to charge-off the account in XX/XX/XXXX and defame me in the process. AMEX claims there is no way to correct any of the information as shown by the CRAs because they do not control the information " displayed '' by the CRAs and because the account has already been charged-off. This is disingenuous at best because AMEX is the data furnisher that provides the information for the account/tradeline to the CRAs and has methods available to correct information AMEX knows or has reasonable cause to believe is incorrect : submission of the Universal Data Form to the CRAs with information to delete/remove from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America really takes advantage of me. 

1- when I pay a vendor online for a service, Bank of America takes 2 weeks to process the payment. Now the problem is that Boa declined the charge after couple of days and then telling that vendor declined the payment. Worse what boa does is that Bank of America will never return the money. 

I am in a loss as follows : {$100.00} submitted on XX/XX/23 for XXXX XXXX XXXX {$320.00} submitted on XX/XX/23 for XXXX XXXX XXXX I never received the service from this vendor and Bank of America never returned the money. 


Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries XXXX not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. 

To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX JRr. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Birthdate : XX/XX/199XXXX XXXX Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. 

Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EXPERIAN conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. 

To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. 

I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EXPERIAN will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

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 2023-12-12 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: NY

Complaint narrative:
This company have violated my Federally protected rights on more than one occasion.

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose.

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on Experian and XXXX. XXXX did remove items but if they do not continue to remove items I will be filing on all 3. This will be my second lawsuit on Experian after one successful settlement.

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 2023-12-12 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: NY

Complaint narrative:
THE BANKS LISTEN BELOW HAVE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. 

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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-12 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: NV

Complaint narrative:
You, Transunion LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood. Not only that, Transunion LLC has no operating jurisdiction in United States of America or to its citizens and if so show proof of jurisdiction and show proof of my wet signature giving consent or authorization. I am a human bodily flesh, who is not part of the United States XXXX XXXX but I am a United States of America non XXXX XXXX ; who you are imposing on and i do not consent or authorized to contract with XXXX or any of its subsidiaries. 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 To Management Named As XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report in XX/XX/2023. 

I demand under FCRA : Section XXXX : XXXX. Permissible Purpose XXXX. My written authorization XXXX. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
IN XXXX WAS IN ACCIDENT COULDNT WORK TRYED REFINANCING W/ WEL FARGO HAD EVERY EXCUSE IN BOOK HIRED A LAWYER TO HELP STAY IN HOUSE IN XXXX BANK FORCLOSED ON HOUSE. NOW 11 YEARS LATER I AM RECEIVING A CHECK FROM WELS FARO AND A LETTER STATING THAT WHEN I WAS TRYING TO REFINANCE MY HOME A ERROR ACCURED AS A REULT THEY SENT ME A XXXX. XXXX. 
THE XXXX DOLLERS IS A SLAP IN MY FACE FOR ALL I HAVE BEEN THREW LOOSING MY HOUSE OF 20 YEARS

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

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 2023-12-12 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It appears capital one closed my account and took away my earned points in retaliation for filing a prior complaint with your organization. This has damaged my credit. They also have yet to resolve my prior complaint.

Company response to consumer: Closed with explanation