vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Opened Wells Fargo rewards credit card in XXXX to use primarily for online purchases. Intentionally kept credit limit low due to high probability of card theft/fraud due to online use. Asked Wells Fargo not to automatically increase credit limit for this reason. 

In XXXX, needed an RV loan. At that time, credit score was negatively impacted by ratio of outstanding credit card debt to available balances. Contacted issuer of a different credit card and requested a credit line increase on that card to $ XXXX. It was granted around XXXX of XXXX. 

In XXXX, needed a car loan. At this time, credit score is again negatively impacted by same issue. Contacted Wells Fargo this time to request an increase to the credit card limit. They said they could grant an increase to {$11000.00} without needing to run my credit. I asked them to run credit and provide the maximum available credit limit. They said that they can't request " max, '' but rather need a dollar amount. I said, let 's just try $ XXXX then ( assuming that would be well above their max and the increase would then default to the max. ) Wells Fargo returns that they can only increase the credit limit to {$11000.00}, basically the same as if they had not run my credit. My credit score was XXXX at the time. My monthly income is {$12000.00}. They can only give me a credit limit that is less than my monthly income with that credit score??? I questioned them for the reason. They said I had no experience with a $ XXXX credit card. OK, that is true. I do have over a year experience with a $ XXXX limit credit card, so how about we meet there and you increase my limit to $ XXXX? In looking at my $ XXXX credit card, I don't use it. So, they can not increase my credit limit at all above what they would issue to me without underwriting. 

I need to increase my available credit to improve my credit score and at the same time, I need to keep my balances low so my ratio of debt to credit don't negatively impact my credit score. These 2 goals appear to be diametrically opposed. 

Wells Fargo needs to explain in a very detailed manner how to resolve their internal conflict because they are in my opinion intentionally not allowing consumers to improve their credit scores so that they, Wells Fargo, can charge us higher interest rates. Wells Fargo has a poor track record and here is yet another example of their really bad behavior. 

If they can sufficiently explain themselves, this complaint will be resolved. Until then, I think they need to be penalized for intentionally causing consumers to have artificially low credit scores. Sadly, we are at their mercy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have hard inquiries on my credit score that i did not 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 2022-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
When I attempted to make a payment on my mortgage back in XXXX of XXXX I was advised that was place on a COVID-19 forbearance. And I didn't request it and when attempting to make payment to get off of forbearance I was placed right back on. And in XXXX of XXXX attempted to make a payment and that payment was sent back. However I was able to actually make on payment that they did take and post to my account in XXXX of XXXX that accepted. And then I was placed back on the forbearance that I didnt ask for. I was advised in XXXX of XXXX that the forbearance would be ending. Contacted Flagstar bank to see what steps needed to be taken and at that time I was advised that I would be contacted or receive documents. Received a loan modification packet which I signed and sent back by the required date. A week or so after sending the loan modification packet back I received another set of the same exact loan modification documents with the same exact return date that was had passed. At the end of XXXX I received a letter stating my loss mitigation case had been closed. Contacted Flagstar bank to find out what was going on and was advised at first that the documents weren't uploaded but they had received and that they would be uploaded and sent to underwriting. Called back later that week to find out if documents were upload so that way a payment could be made and I could get back on track. I was then advised that on the loan modification packet the county of XXXX was not written in so underwriting denied it. I feel like I they set me up to take my home. I am more than capable of making my payments and want to make payments. Was advised that I got a second set of documents and advised when I got them. At that time I asked could I send those in the second set of the modification packet that was sent even the date had expired. And was advised that I couldn't and would need to start all over again with the loss mitigation case. I have attempted to do that sent in documents. Called them last week Monday to gather what else was needed sent those and received a letter yesterday in the mail that my case is closed again and now there is a sale date for on my home for XX/XX/XXXX. I am a father of XXXX and feel like they are trying to set me up for failure. How are they able to put you on a forbearance then send documents but now want to take my home. They need to fix this and accept the modification that was sent or allow me to send in the other set that I still have. I shouldnt have a sale date of any kind when the modification packet was signed, notarized and sent back by the date required. If I knew that this was going to happened I wouldve declined the forbearance. They should not be allowed to set people up like this to take their home away that you work so hard to build for your family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
They sent me an email stating they were making my Savings account. i dont have any accounts with bank of America XXXX This is pure fraud. They wont talk to me. They wont tell me what is going on. Im scared they are trying to steal my identity. There seems to be nothing I can do to stop them. please help. I havent lost any money yet that I know of, I just dont want to be a victim because of bank of America 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 2022-08-09 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: Global Lending Services LLC
State: IL

Complaint narrative:
I dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX  loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I been with Chime a few years. I transferred money from my XXXX checking account into my chime account my chime account was locked after the transfers which was 2 transfer of XXXX each which totalled XXXX the account was locked with XXXX in it. The money came from a settlement from a work XXXX  which was transferred so I could save some which the judge told me to for additional XXXX  treatment and I also added some for travel. Called to fix the issue which I've been giving the run around and asked to send in all these documents to who knows who vital information I did this for 5 days straight the same information was sent to an email address they provided. No communication from chime the coustmer service representative read from a script you can't talk to any up line they give you the same number which everyone reads the same script and can't tell you anything about the investigation nothing. You are unable to see anything in your account because they disable your account online. This company need to be restructured and policies re written.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On Monday, XX/XX/2022 at XXXX XXXX  my consumer rights was violated adverse to my interests as a consumer I XXXX XXXX XXXX was discriminated against on my credit card application for a Business secured credit card in the amount of {$2200.00} by First National Bank of Omaha underwriter XXXX, In good faith for exercising my granted right for applying credit under 15 USC 1602, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1691 please reach out in regards to 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 2022-08-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
I contacted Equifax regarding a dispute on XX/XX/2022, and results were sent to stating that the accounts were verified and validated on XX/XX/2022. I know this to a lie, I requested physical verification, that was never sent to me. I contacted Equifax on XX/XX/2022, informed them that given the recent announcement of Equifax 's wrongdoings and fraud, I am certain my consumer file was irresponsibly tampered with. I have disputed these accounts for more than three months with no remedy, violating my consumer rights pursuant to 15 USC 1681 ( A.5 ), which assures that I am due, promised accuracy in my report and all unverified information must be removed promptly. I was hung up on by the supervisor because I stated that I am recording the call for my protection as does Equifax, if they are able to record the conversation, why should I not be able to since they are reporting information about me that I did not verify them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: MI

Complaint narrative:
EXPERIAN is an elaborate mechanism that has used criminal acts to violate my privacy. EXPERIAN has committed identity theft and broken the laws put in place through sharing my federally protected information as a consumer with third parties, including XXXX, XXXX and XXXX 'S, without my prior consent. EXPERIAN assumed a grave responsibility in their role as a consumer reporting agency, and has failed in their obligation to report accurate information that is fair and equitable to myself as a consumer. I am a creditworthy person with excellent reputation. I have lost my faith in the banking system and refuse to extend my credit when EXPERIAN continues to furnish information of fraudulent credit utilization, credit scores, and balances that do not exist. 

I have attached my credit cards for identification 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