vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I requested a forbearance with Freedom Mortgage and it was accepted and followed exactly. I am now current and did everything as requested including documentation. 

When recently trying to get a small loan to pay off some home improvements I was told I had a 120 day late payment on my mortgage. Obviously this is absolutely NOT accurate. 

I tried to settle this with Freedom Mortgage and they said that even though it was an agreed forebearance they still reposted it as late. 

So here I am

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 2023-11-03 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I made a purchase for {$440.00} that had a 0 % promotion for 12 months. I made the first minimum payment of {$37.00}. In the same month I made a {$3000.00} purchase and payed off the {$3000.00}. The next statement they had removed the promotion and stated I paid the promotion off with the {$3000.00} payment. The {$3000.00} payment was above the minimum due that month, they applied the payment to the non-interest balance rather then the interest bearing balance. When I contacted them I was told there was nothing the person could do other than connect me to management. I have been on hold waiting for management for more than 30 minutes. It is clear they are waiting for me to hang up. This was also my second call, the first call they told me to call an XXXX number as it was their problem. XXXX sent me back to Chase. This is a Chase XXXX XXXX rewards card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My Wells Fargo credit card was hacked so a new card was issued. The old card had an end of cycle balance of {$570.00} ( XXXX XXXX ). I paid my account balance in full, INCLUDING the previous balance of {$570.00} with a payment to Well Fargo of {$2400.00} on XXXX XXXX. In spite of the previous balance being paid in full, the {$570.00} previous balance was transferred to my replacement card on XXXX XXXX. 
I spoke to XXXX different people at Wells Fargo by phone with no resolution. They forwarded it to their " Escalations Representative '' who claims to have called my wife this morning, but we have no record of any such phone call. He closed the case XXXX hours later with no further attempt to contact me. They had my phone number available as well as my wife 's number. 
I am quite frustrated at Wells Fargo 's failure to resolve such a simple issue, their attempt to double bill me, and their failure to contact me before closing the case.

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 2023-11-03 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX  Account XXXX DEPT OF ED/XXXX Account number 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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've applied for a checking account online using promo code XXXX on XX/XX/2023 which was publicly available at the time, and uploaded my driver 's license as instructed at the end of the application. On XX/XX/2023, I've received a follow-up email from Capital One asking me to finish the process using Application ID XXXX which I did promptly. It did look like my account has been opened on XX/XX/2023 after I've completed everything that was required. However, unbeknownst to me the account would be restricted the very next day on XX/XX/2023 as an email from the bank arrived again asking me to complete ID Verification. It did seem a little strange for the bank to ask for something I've already provided, however I decided to give it one more shot by uploading the driver 's license again on XX/XX/2023. Unfortunately no response came back from Capital One ever since and my account remained restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit Karma has engaged in debt parking

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 2023-11-03 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: U.S. BANCORP
State: NJ

Complaint narrative:
US Bank inquiry on XX/XX/14. Unauthorized inquiry/fraudulent.

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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Southern District of Mississippi Bankruptcy Court- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all 3 CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, TransUnion and XXXX reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL 3 REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies 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 I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXX XXXX XXXX  Without prejudice, All Natural Rights Reserved

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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, 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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a business US bank credit card with a promotion requiring spending {$4500.00} within 150 days to receive a {$500.00} credit. On XX/XX/2023, I contacted an associate to confirm whether this spending requirement included balance transfers, as I was planning on completing a balance transfer. The associate assured me that balance transfers were indeed a part of the promotional offer and that I had met the spending goal. On XX/XX/2023, I called again to re-confirm this information and was once again informed that balance transfers counted towards the spending requirement. However, when I called on XX/XX/2023 to inquire about the credit, I was informed that the terms had been changed and that only purchases would be counted towards the promotional offer. I am disappointed by this change in terms and would appreciate clarification on when I can expect to receive the credit. US Bank are not honoring what was assured to me on the phone calls by different associates.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo owes me a check from a lawsuit and they sent it to a previous address and they won't help me sending another one the current address

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 2023-11-03 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: CA

Complaint narrative:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681.

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within XXXX business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

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