vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXXdentity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 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 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 XXXXeven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Subject : Update of Personal Information - 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  Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortgage assistance application filed, based on medical circumstance, and Wife temporarily residing at XXXX XXXX due to serious injury, which I was denied and not qualified for any assistance program that are being offered by Wells Fargo Bank., as of this date, XX/XX/XXXX. All required documentation has been sent to the Wells Fargo Home Mortgage, Servicer ( i.e. Mortgage/Loan No. XXXX ). 
Prior to aforesaid date, I submitted a written " Appeal '', as to their continuous denials for the requested mortgage assistance relief by the Borrower, XXXX XXXX XXXX, under their advertised assistance programs ( i.e., Mortgage Payment Suspension '' and/or " Mortgage Payment Forbearance '' ) due to aforesaid hardships, which said mortgage relief denials were in fact, unjustified. 
Their said response, which included, but not limited to their only continuous referrals - " SHORT SALE '' and/or " MORTGAGE RELEASE '' ( i.e., Deed In Lieu of Foreclosure ) of said Borrower 's residential property in the absence of relation to his rights for such relief for payment assistance prior to their referral of foreclosure for pass due mortgage payments, i.e., {$3600.00}, with a Unpaid Late Fee of {$26.00}, as of XXXX, As said mortgage loan maturity date - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Card : # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish 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 explanation
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
I asked this company to remove this account as it belong to my daughter we share the same name. 
XXXX XXXX XXXXXXXX I think It's a mix up please verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$700.00} disputed XXXX XX/XX/XXXX {$400.00} disputed XXXX XXXX XX/XX/XXXX {$780.00} disputed XXXX XXXX XX/XX/XXXX {$2000.00} disputed XXXX XX/XX/XXXX {$5900.00} disputed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} disputed XXXX XXXX  XX/XX/XXXX {$270.00} disputed XXXX XX/XX/XXXX {$110.00} disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Experian Information Solutions Inc.
State: NC

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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2024-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ExperienXXXX is reporting a charge off account for XX/XX/XXXX on XXXX XXXX account. The account was paid as of XX/XX/XXXX and should not be reporting negatively month. The credit company agreed to remove debt in lieu of payment.

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 2024-07-27 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
- Me and my fiance ( XXXX XXXX XXXX ) have a checking account with Citi Bank since XX/XX/XXXX. We choose to put our direct deposits and finance in this bank. 

- On XX/XX/XXXX, I requested an international wire transfer from my Citibank checking account to my new employer, which is based in the XXXX. The wire amount was approximately {$20000.00} USD to purchase company shares. 

- On XX/XX/XXXX, Citi 's security department called me to ask follow up questions about the wire transfer and at the end of the call, Citi 's representative said that all of my answers were satisfactory and that the bank would be completing my wire transfer shortly. 

- On Monday, XX/XX/XXXX with no forewarning and no communication ( no email, no phone call, no notification via text message or the Citi app ), Citi canceled the wire transfer and blocked my checking account. Later that day, I called the Citi security department and they said that the only way to unblock my account was to wait for a verification code to be sent via a letter. They said that the letter would arrive in XXXX business days. 

- I have contacted the bank multiple times over phone expressing my frustration and asking for alternatives. No option was provided, and when requested to escalate the issue the agent hangs up on me. 

- It's now been 15+ business days ( today is Saturday, XX/XX/XXXX ) and the letter has not arrived. I've called Citi more than ten times, and each time they say that I must wait for the letter and that there are no alternative ways to unblock my checking account without the code from this letter which never arrived. 

- At this point, the bank is essentially holding my money XXXX and I'm unable to access the $ XXXX USD in my checking account. This has caused me immense financial distress and embarrassment with my new employer, because it's made it impossible to complete the wire transfer which was to purchase company stock. 

- Aside from providing no alternatives to access my money after their antiquated process failed, Citi 's customer service staff have also intentionally hung up on me mid-sentence on multiple occasions. The whole situation is totally ridiculous- blocking my account after verbally confirming that the wire transfer would be completed, blocking my account for 5-7 business days to wait for a paper letter, offering no alternative solutions when the letter did not arrive, and treating me in a very unprofessional manner over the phone.

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 2024-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 shall not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
experian is reporting inaccurate information on my credit profile.

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 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NVR INC.
State: OH

Complaint narrative:
When I agreed to build with XXXX XXXX the sales representative at XXXX XXXX presented a {$12000.00} incentive. She said we only benefit from that if we use NVR mortgage. She said we can use whomever we want but its easier with NVR. The representative said we can use the incentive towards anything on the house. 

Later once NVR started quoting me mortgages I noticed shockingly high closing fees. NVR was overall cheaper than other lenders but the XXXX incentive was gobbled up with high fees. I felt complete taken advantage of and misled by this bate and switch method they practice. I reached out to several other lenders and they all advised me of this shady practice. I was being charged {$6000.00} plus in points to buy the rate down to a fair market value. Closing costs were around {$18000.00}. XXXX XXXX closing costs were around XXXX. This was obviously very upsetting. Overall NVR on paper was cheaper but they completely mislead the incentive they pitch. NVR is owned by XXXX XXXX which is also shady. 

I asked my representative through NVR to talk via XXXX. She said that she will talk with her managers but unless I show another competitor cheaper on paper then that was the best they could do. My credit is outstanding and I hold no debt. I put XXXX % down as well. I asked the representative if they do refinances and she said no. Weird? I then asked her if NVR would quote me a mortgage as if I was buying a home somewhere else not with XXXX and be competitive and she said they only do mortgages for XXXX. 


Im very disappointed with XXXX and NVR. This is a shady business practice taking advantage of the average American.

Im requesting this agency intervene asap as I need to pick a lender within the next week. I feel mistreated and taken advantage of by their shady incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
There are 3 closed Department of EducationXXXX accounts on all three of my credit reports. One was opened in XX/XX/XXXX, one XX/XX/XXXX, and the last XX/XX/XXXX. All these accounts are older than 10 years and need to be removed from my credit report. I have contacted all three credit bureaus and they have done nothing and said everything was satisfactory when it is evident that all three student loan accounts are older than 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief