vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX col XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX  XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX XXXX # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.

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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from XXXX XXXX and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my TransUnion account and I filled a report on 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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was wells Fargo customer and some reason they cancel my account and they told me the will refund the remaining balance by cashire check But I contact them after the account was closed I asked them the balance I have in my account to refund but they told me all those money was received by XXXX payment so they will refund those money to the sender so they can claim with their bank The balance was {$4700.00} I dont understand why They can do that All those money are exchange we agree each other to paid me by XXXX XXXX have big financial problam since I can not use my money they been start holding those money from XX/XX/2023 I take some loan to pay back but now they say I will not get any money because those money are not entitled to refund to me. That was my money it was in my account already post. I try to see can someone help me regarding with this case Thanks

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 2023-02-25 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: 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-02-25 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  xxxxxxxxxxxx XXXX, Account name : XXXX XXXX xxxxxxxxxxxx XXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo has NEVER contacted me about my mortgage w/ them. 

On XX/XX/XXXX I took out a mortgage with Wells Fargo for the home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Purchase price was {$310000.00}, plus taxes, plus closing costs. 

XX/XX/XXXX I lost my job. 
Immediately after, my then-husband got a GF and left. He'd also lost his job. 

I stayed at this house until Fall XXXX. WF sent many foreclosure letters and warnings. 

I had to pay all utilities thru XXXX XXXX or so. 

Except on or around XXXX I spoke to WF by phone about refinancing this mortgage. 
I sent them back their hardship paperwork. 
Heard nothing. 
In early XXXX, the same. 
In Fall XXXX, the same. 

I never heard anything from WF until right before I moved out. 
They sent a letter refering to the hardship paperwork I'd turned in over a year prior, but still never processed it. 

Breakdown is as follows : bought XXXX XXXX XXXX, XXXX XXXX, NV XXXX parcel # XXXX on XXXX for {$310000.00} plus taxes plus closing fees, mostly put into a mortgage with Wells Fargo. 
Requested help with mortgage on multiple occassions, by phone and online. 
Was never helped, but sent many letters threatening to foreclose. 
On or around XXXX, house was sold to a 3rd party based out of XXXX, CA. 

So WF never processed the hardship paperwork, never helped me at all there was a program for {$150.00} off each month on the mortgage I applied for, they never processed that either, offered any help, suggestions, just left the paperwork in permanent limbo. 

Until the house foreclosed in early XXXX. 
Also leaving me with thousands in fees, taxes, insurance that Wells Fargo told me I was responsible for. 

As a result, I had to declare Bankruptcy and ruin my credit for a decade. 
I lost my house, my home, had no choice but to move out of NV back to MI. 

Wells Fargo not only never tried to help me, they never made any contact at all. Calls and messages and emails all went unsnawered, leaving me witih many outstanding bills. 

To this day, Wells Fargo has not ever sent me anything. 
Except for bills. 

My house foreclosed thanks mainly to Wells Fargo. 

I have never been contacted about any of these class action lawsuits. 
If I'm eligible, I have not received a single penny from them.

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a payment in XXXX of 2022 through Citibank using their XXXX pay ( an Electronic fund transfer service ), for a vacation rental in XXXX XXXX NJ. My family and I came down with covid, and had to cancel our vacation. I requested a refund for our unused vacation, was denied, and requested again and never heard from the alleged owner of the vacation rental. I brought this to the attention of Citibank in XXXX, XXXX, XXXX and XXXX of 2022, repeatedly saying that I was defrauded out of {$1500.00}. Citibank refused, claiming no responsibility. Citibank is governed under The Electronic Fund Transfer Act, and does indeed owe me a refund due to fraud. Citibank must better approve the users of their services.

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 2023-02-25 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: GA

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 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance-

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 2023-02-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: IN

Complaint narrative:
We have applied for assistance with XXXX and a HUD counselor has assisted us with that and we are about to complete that process and remedy the foreclosure problem. However, we are trying to be able to keep the lender /servicer from early paying our property taxes as they always do! This is a vicious circle you can not escape because they choose to do this to reverse mortgage borrowers. Our HUD counselor said this is not right and that in INdiana property taxes taxes are due in XXXX and XXXX! This lender has a third party paying both installments as early in the year as they can! Last year they paid one in XXXX and the other in XXXX! We are on a fixed income and we have to pay in XXXX and XXXX. They do this and then tack interest onto our balance and now when XXXX pays the mortgage reinstatement, we will still owe them another {$1000.00} & they can keep up the same routine of paying our property taxes and inflating our balance! We will never get out from under them! How can this be right to pay it this early? The HUD counselor says it is not legal! We can not compete with this. I went online to see if this years property taxes were out yet & they were not but noticed they had changed out tax bill to go to the lenders third party instead of us!! What!? We arent even going to get our tax bill!? We still have the deed to our property! Went to the county tax office and was told the attorney for the lender set it up to go to the lender & that we wont get a property tax statement and they were told if we pay our taxes the lenders third party will too! WT heck is going on? The lady in the tax office said everyone with reverse mortgages is experiencing this and senior citizens are being targeted! This is our home and we will get a tax bill and the third party will not! I dont know who has done this or why but they have no right nor does the lender have the right to pay these property taxes that are due in XXXX and XXXX in XXXX. The lady in the tax office said they called in XXXX trying to pay 2023 taxes already! I will attach proof of all of this! I have also sent all of this to the AG but the HUD said the CFPB should be doing something about this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX. I am writing regarding four collection accounts that were reported to the credit bureau by Met Credit on XX/XX/XXXX, for {$770.00}. This debt was reported by XXXX XXXX XXXX prematurely as XXXX failed to bill my insurance company in a timely manner. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, indicating a balance due of {$260.00}, another letter dated XX/XX/XXXX indicating a balance of {$510.00}. I contacted XXXX XXXX XXXX on numerous occasions, verified my insurance information with them, mailing address and dates of services that dated back to XX/XX/XXXX. I was advised that this was going to be billed to my insurance carrier. 
On XX/XX/XXXX, the debt was reported to the Credit Bureau by Met Credit. On several occasions, I called Met Credit to explain the situation and requested that the debts be removed from my credit report as these debts were currently being billed to my insurance company and as of the date of this letter, they have not removed the debts from my account. On XX/XX/XXXX, I received an account summary from XXXX XXXX XXXX XXXX indicating that {$770.00} was out for billing. As of the date of this letter, XXXX XXXX XXXX has yet to advise or send correspondence regarding the status of the debts. I am requesting that these collection accounts be removed by the agency immediately as this has affected my credit and was reported prematurely by XXXX XXXX XXXX and erroneously reported by Met Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

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 2023-02-25 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: CA

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. 

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 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