vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed information on my credit report with TransUnion regarding inaccurate information being reported. There's a XXXX XXXX reporting XXXX days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other payments before and during these said dates are all on time which makes this information inaccurate and I have tried desperately to get this fraudulent information deleted from my report with TransUnion. Their response is this information has been verified all while the information is clearly inaccurate and needs to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have settled a debt with XXXX XXXX which is the debt collector for XXXX XXXX XXXX  XXXX In exchange for me settling this debt it was agreed that this would be completely removed from my credit report with Experian. However EXPERIAN AND XXXX XXXX has violated my rights by still reporting this impactful information on my credit report. I have already submitted a complaint to the CFPB which is attached and XXXX XXXX responded saying the did receive the payment. I would like this removed from my credit report immediately and I am seeking monetary relief for violating my consumer rights. Also, It's been XXXX  years since this account has been closed, there's absolutely NO reason why this account is still reporting on my credit report. I am holding XXXX XXXX AND EXPERIAN responsible and I am seeking monetary relief from both companies.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've really had enough of Wells Fargo. I made several small purchases however before I made those purchases I deposited enough cash to cover those purchases and I also received XXXX money to make sure. Yet somehow as always with Wells Fargo they're saying my account is overdrawn, which Is a problem in itself because I told them months ago don't cover any purchases if it's not enough money to cover them just decline the purchase. Now back to the problem at hand the. Csr couldn't comprehend that when I deposited cash it should have been available immediately along with the XXXX  deposits I received. However the csr goes on to say that the purchases made are cleared then changed it to pending then said it wasn't enough to cover the purchases which was a lie in itself when the money had been deposited before the purchase and the XXXX  covered it. I'm sick of Wells Fargo period and as soon as I'm able I'm switching banks. I'm tired of The raggedy customer service and the raggedy bank. They should make sure their customer service has decent comprehension skills and make sure they're not screwing the customer over. If you have an option utilizing another bank do it. Wells Fargo is a crook the customer service is XXXX, they can't string a sentence together or comprehend anything said to them or they get an attitude when you ask them questions when they have to do their job.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERIS BANCORP
State: GA

Complaint narrative:
XX/XX/XXXX : We bought a new home and created a bridge loan on our old house which meant we had to utilize a new banking lender : Ameris Bank Mortgage. We closed on two loans with Ameris Bank. The first one was a bridge loan the second was a conventional mortgage on our new home. We escrowed taxes on both properties. 

XX/XX/XXXX : We rented our home with the bridge loan and things were fine. 

XX/XX/XXXX : We put our house on the market that had the bridge loan. 

XX/XX/XXXX : We sold our house and were closing on XX/XX/XXXX XX/XX/XXXX : My closing attorney told me that there was a XXXX on the property due to non payment of property taxes, and that a third party had bought the taxes. 

XX/XX/XXXX : Called the bank and they expressed that they didn't pay the taxes on time but the taxes should have been paid on XX/XX/XXXX and that they did pay the penalties and the interest associated with the delay in tax payment. 

XX/XX/XXXX : Closing attorney was still seeing the XXXX on the property even though the taxes were paid. He said wait a week to get the release so that the closing could go through on XX/XX/XXXX. 

XX/XX/XXXX : Closing attorney said the XXXX was not released yet XX/XX/XXXX : Called my mortgage broker to ask for executive numbers to take care of this situation. 

XX/XX/XXXX : Talked to XXXX XXXX who is the XXXX of Ameris Mortgage and was very sorry this had happened and was going to take care of the situation. 

XX/XX/XXXX : XXXX was released and the closing will go as planned. 

If I hadn't been closing on my house I could have lost my own house because of this Ameris Bank negligence. How many times has this happened? What can prevent it from happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We haven't received any notice of our rights to dispute this matter from the criminal businesses we are complaining about. I am being harassed by Home Depot and Citibank and they have threatened me with defamation and continued harassment and have probably already done the former and have continuously been doing the latter. Whenever I call them in an attempt to discuss my account in a civil manner, they behave in an extremely offensive manner. In the past, they have hung up on the phone on me, spoke highly of themselves, and used sovereign citizen logic on me. They spouted irrelevant nonsense even when I warned them I would hang up if they continued. They then said " Have a nice day, I guess '' and then continued to spout irrelevant nonsense in order to avoid the topic of their guilt in their non stop refusal to let me pay any aspect of my bill, after which have charged interest/finance charges/late charges to me, when in fact they should be paying me this amount since they are still late in removing the fraudulent fees from my account to let me pay any agreeable part of my bill. They also refuse to converse by email and when they do, they ignore everything I say, take a very long time to reply, and reply with irrelevant nonsense. Home Depot is a criminal organization. Their credit card operations in the U.S. must be shut down immediately and whoever manages their credit card division belongs in jail for harassment, financial fraud, credit fraud, and extortion. There are many, many fraudulent " late '' or finance charges that Home Depot is responsible for by their nonstop refusal to let me pay any amount of ( only ) agreeable charges. Among them is a " + {$29.00} '' in " Late Fees '', and likely multiples of the same if they charged the same fee on prior statements. Home Depot has also stated that this debt " does not belong to them '', yet they are still making outrageous claims that I owe them fees/bills for them harassing me. 

Both Citi and HD also sometimes pretend they will process my payment and then don't, and then hang up on me. They also pretend I can pay online but don't give me any method by which I access payment portals online. All they let me do is access a Home Depot website for placing orders ( with payment methods that are unrelated to Citi and HD ) but I have no way to influence XXXX XXXX XXXX XXXX  through this.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The Credit card in question is with my bank, Wells Fargo whom I have been a member since XXXX I was unaware of being charged the high interest rate and that all purchases had to be paid in full each month. I did not authorize the limit increase on the credit card and every month when I make a payment on time at the end of the month the bank charges interest almost as high as my monthly payments so that I can not get out of debt with them. I feel betrayed by Wells Fargo as a lifelong member ... .to charge me so much interest I will never pay it off, is this why the limit was increased without my authorization. Why is it always the working class, tax paying customers targeted to pay so much. I had great credit and I feel this credit card is the reason for my credit score decreasing. My credit card is not high because of purchases it's high because of the interest rate!!!!!! I want a fair interest rate and to reclassify status of the Credit Card for what it was supposed to be originally, monthly payments on purchases and not pay off balances in full at the end of the month, if I had known I would have never start using Wells Fargo credit card services. I did not receive monthly statements in the mail so this went on without my knowledge for months until I finally checked into why my balance was remaining high and the balance not decreasing ; when I started investigating it myself, I immediately stopped using this credit card and will never use it again. When Wells Fargo along with other banks were in the news nationally for approving unauthorized services for customers without their knowledge my husband and I stood by them. 

I hope the bank will not do any retaliation, but to give me a fair interest rate and reclassify my credit as such I am owed that as a lifelong member. I am considering closing all accounts if this can not be resolved but I will continue to pay my debts as XXXX wants us all to do.

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 2024-04-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and TransUnion are reporting a charge off on my credit report from XXXX XXXX. This account was paid and should not show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Experian, XXXX and XXXX are reporting a charge off on my credit report from XXXX XXXX This account was paid and should not show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the XXXX XXXX reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There are unauthorized charges on my credit card statement that needs to be disputed. I contacted Navy Federal almost 2 weeks ago and never got a reply back. Im having a very hard time trying to understand this. I have a XXXX  XXXX so things is not clear to me and Navy Federal is not trying to reach out to help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

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 studying 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 2 out of 3 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. These are the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief