vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 agency can not furnish an 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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/, I went to the XXXX XXXX branch of US bank to deposiXXXX {$640.00}. I checked my account and realized the money was never deposited in my account. I went back to the branch and they had deposited my money into someone elses account. They apologized and told me by the end of the week, they will deposit the money back into my account. Its now XX/XX/2023 and the funds are still not there. I contacted the representative and she told me she is sorry and will give me an update later today and she sent me an email with the same message. She has not called nor answer my emails for an update. Even customer service doesnt want to help me. I have been with US bank for over 15 years, I feel like someone stole my money and no one cares to help me.

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 2023-09-16 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX 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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : XXXX. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?

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 2023-09-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?

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 2023-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX : XX/XX/1970 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all XXXX bureaus Transunion, XXXX and XXXX doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX InXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX Inquiry 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Government XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX : XX/XX/1970 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-16 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$87.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX 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 2023-09-16 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$87.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX, my paycheck deposited into my checking account. Some auto pay transactions were pending and with them pending, my available balance was adjusted to reflect the funds available. I was positive. I called the bank to validate the information in which they did. I went through the whole week and XXXX business days later, transactions posted to my account that must have disappeared and overdrew me over {$400.00}. When i called customer service, the banker said i was always negative when i kept using my debit card. This was not accurate. I had contacted the bank multiple times during that week and did screen sharing sessions that would show the positive balances during the time they claim I was negative. Also the phone conversations/automated calls that reflect positive balance as well. The following direct deposit on XXXX brought me current after the checking account was brought current. I had enough money to make a few bill payments. The money deducted from my checking account as normal and i was able to maintain a positive balance. At some point my checking started to reflect a negative balance in which i was given an over draft fee of {$36.00}. As days passed, i would see my bank account reflecting a positive balance and finally on XX/XX/XXXX, XXXX transactions posted that put me at - {$9.00}. Somehow they charged me FOUR overdraft fees and when i went into the bank to address the fees, they said the type and amount of transaction can result in the issue of overdraft fees. At the time i didn't realize that i only had two transactions that were resulting the four fees. At the time i had another transaction pending for Internet payment and on XX/XX/XXXX, that payment posted and i was charged a fifth overdraft fee. I have no idea how they are calculating when to charge the fees but the fees exceed the amount of overdrafted transactions. They claim to have started an investigation but i did not see them take the steps to do this. 

I also have multiple transactions currently pending from merchants that i have placed stop payments on which has also resulted in deduction of available funds.

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 2023-09-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has sent a notification that they are threatening me by not allowing to payoff my loan per the schedule and over my remaining payments. My loan term is through XXXX but I have made early payments when I could. They are insisting that I pay it off 4 payments/4 months early. If I do not pay off they will take the money from my escrow account to payoff my balance and my recording fees. This is causing undue hardship as I must set aside {$300.00} per month for property taxes regardless plus their payment of 4 principle payments early plus recording fees totaling {$470.00}. Instead of my normal payment of {$400.00} I need XXXX this month to cover my expenses. This balloon payment was hidden and not fully disclosed at the time of my loan.

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