vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a XXXX credit card thru Wells Fargo in XX/XX/2023. They have been giving me the run around. On XX/XX/XXXX they disapproved my application because my credit report is frozen, then I asked XXXX to unfreeze my report, then WF wrote that I have too many accounts with balances which is absolutely wrong, I pay my one credit card balance in full every month and asked them not to use their algorithm. On XX/XX/XXXX, I asked and emailed corporate to do a manual check on my finances and not to use an algorithm. Someone from corporate called me on XX/XX/XXXX that they will refer my info to underwriting, then they informed later to call underwriting dept. myself. Talked to XXXX in underwriting on XX/XX/XXXX and explained to him that I am retired, live in a XXXX with investments in a couple of investment firms, credit unions and have pensions, dividends, RMDs and live off from my investments as I need it. Then their last letter on XX/XX/2023 was " Identity can't be verified ''. I mailed them a copy of my passport and driver 's license, my cable bill, my rent bill, lease agreements, letter from a financial investment company the value of my assets. 
I also happen to be a XXXX, XXXX and XXXX American.

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 2023-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
I have disputed these items with XXXX, XXXX, and Transunion multiple times and they continuously come back as verified which is impossible because these accounts do not belong to me. They have been sold to different companies several times an updated with recent dates on my credit profile several times. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  - reporting {$1700.00} XXXX XXXX XXXX - reporting {$630.00} XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX XXXX reporting {$1400.00} XXXX XXXX XXXX - reporting {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
I have disputed these items with XXXX, Experian, and XXXX multiple times and they continuously come back as verified which is impossible because these accounts do not belong to me. They have been sold to different companies several times an updated with recent dates on my credit profile several times. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  - reporting {$1700.00} XXXX XXXX XXXX - reporting {$630.00} XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX  - reporting {$1400.00} XXXX XXXX XXXX - reporting {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: IL

Complaint narrative:
I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES

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 2023-07-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Big Lots Credit Card administered by Commenity Bank filed a 30 day late payment with m y XXXX bureaus. It dropped my credit score by XXXX points in one day and caused XXXX credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past XXXX years and I even sometimes paid them twice in one month. They told me they would write to the XXXX bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to zero balance and removed the 30 late payment ( fraudulent info ) but XXXX and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with Commenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX, also know as XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX XXXX. # XXXX. I call the dealership in the month of XXXX a few times leaving messages for the manager. I have not received a call back after leaving messages. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my 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 2023-07-14 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: CA

Complaint narrative:
This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally complain about Chase Bank 's handling of my recent home purchase, which has left me frustrated and disappointed. I believe the bank has acted in breach of their own mortgage closing guarantee and shown a disregard for consumer rights. 

To provide some background, I submitted an online mortgage application with Chase Bank on XX/XX/. I was fortunate to receive a pre-approval from Chase Bank for the mortgage on XX/XX/, and I promptly provided all requested documents to them in XXXX and then again on XX/XX/ 

Having executed a contract for my house onXX/XX/, I provided a copy of the contract to Chase Bank, anticipating a smooth process. However, there were multiple delays due to Chases failure to promptly obtain an appraisal of the house, which was finally completed onXX/XX/. 

Following the appraisal, I experienced another round of delays stemming from Chase 's oversight in documenting a signature waiver related to the appraisal process. As a result, I wasn't able to close on the house until XX/XX/XXXX. This delay extended far beyond the XXXX Chase Mortgage XXXX XXXX XXXX XXXX additional stress and inconvenience. 

I escalated this issue to XXXX XXXX XXXX at Chase Bank on XX/XX/, and a second inquiry was sent to him onXX/XX/. Despite my attempts to seek resolution, I have yet to receive a response on a decision. Most recently, I submitted a request for review to Chase corporate on XX/XX/XXXX and received an email asking that I call them. Upon speaking with a representative on XX/XX/, I was told that they would not honor the closing guarantee, under the pretext that the closing occurred 15 days after the final document was received, a claim which contradicts my records and timeline. 

Based on the provided outline of events, I believe Chase Bank is in violation of their {$5000.00} closing guarantee. If Chase does not intend to uphold their guarantee, it should not be advertised, as it misleads consumers with a false promise of a timely mortgage closure. My research and online complaints suggest that this deceptive practice is not an isolated incident but a recurring issue with Chase Bank. 

I have emails and documents that substantiate these statements and I am ready to provide them if required. I am appealing to your agency to thoroughly investigate Chase Bank for these practices and to help secure the {$5000.00} guaranteed by Chase. I believe this action is necessary to safeguard consumer rights and deter false advertisement in the financial industry. 

Thank you for your attention to this matter. I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I received a letter saying I owed money for an order I cancelled

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC
State: FL

Complaint narrative:
We applied for a conventional mortgage through the builders preferred lender, DSLD Mortgage. The application was taken by XXXX XXXX on XX/XX/2023. 
The mortgage division for DSLD is located in XXXX, AL and the property we were purchasing was in XXXX, FL. XXXX 's direct phone number is XXXX. 
We did not receive our XXXX until XX/XX/2023. I know this is a clear RESPA violation since I worked in the mortgage industry for over 25 years with XXXX Mortgage. 
Numerous calls and emails were sent to XXXX requesting the XXXX, but to no avail. 
The entire process was a nightmare. XXXX was out on a medical leave and no one worked her pipeline while she was gone. Subsequently, the loan number assigned to me expired and a new number was assigned that prevented me from uploading documents to their website. I attempted to contact one of the managers at DSLD via email, however, he never responded either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NV

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states, a consumer reporting agency, can not furnish an account without my written instructions.

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 XXXX XXXX XXXX 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 2023-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/23 around XXXXXXXX XXXX  someone went on Bank of Americas website and applied for an XXXX  account. Two emails were sent to me, one to verify my email address and the other to state that the account was declined. At first I thought it was spam, but then there was my credit score on the second email that alarmed me. I called the customer service number at BofA and spoke with four people. Two of them only found an old loan I had with the seven years ago. Then I was transferred to the fraud department and they found there was activity going on that morning. The person had my name, SSN, email address, and mailing address. They didnt have my phone number, but they gave a number. XXXX. I was instructed to call the credit bureaus to put a fraud alert on my account and to contact XXXX. I was told by a friend if BofA had approved that account, the person wouldve cashed it out, closed the account, and I wouldve been responsible for paying it back. Thats terrible. They did this online. Im so glad I caught it, and theres got to be a breach with someone I had business with in the past.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I originally had a XXXX XXXX XXXX checking account however due to people using my card for fraud without my knowledge. I found out to late and now I am blacklisted from the bank. I just tried to open a checking account with chase and was declined aswell. I want to know if there is a way to resolve it and if so how.

Company response to consumer: Closed with explanation