vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: NY

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-12-05 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: NY

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a complaint against Equifax via the CFPB on XXXX regarding XXXX accounts reporting late payments. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Equifax stated that they accounts were reporting late with no late payments. After response I did notice that the XXXX accounts reported paid as agreed with no late payments. As of today the 30 days late payment shows on XXXX  XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX shows me late 60 days in the month of XX/XX/2019. They failed to do as they stated. I attached what is currently being reported on their website my equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was charged for late fees due to their system being down and i have reported this and they have still not waived my late fees, I have had this issue now with the last payment atlas please work something out i am enrolled in the credit protection as well and this has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Nine weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. Seven weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. Four weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own 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 monetary relief
Consumer complaint received 2022-12-05 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:
Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 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 2022-12-05 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: CA

Complaint narrative:
Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 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 explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
On XXXX XXXX, we received an assumption package from Selene Finance to start the assumption of this loan. All requested documents were sent back to Selene Finance at the email address on the letter on XX/XX/2022 ( XXXX ). After no reply, we sent an email asking for confirmation to no avail. We called on the same date and was told they did not see anything in the system but would have a supervisor reach back out to me. No Call back from anyone. I sent another email on XX/XX/2022 with the same exact message asking for someone to confirm receipt of documents. I also called on the same date, but was told it could take 60 days for someone to reply. On XX/XX/2022, I sent another email asking for someone to reply if they have received the email and called. This time, the representative said she was not sure what had happened with the documents and asked me to call back at the end of the week. I gave them more time and called today, XX/XX/2022 and was told by the XXXX representative the loan was only assumable if XXXX of the parties on the loan was deceased. I called back and was told I POSSIBLY sent the documents to the wrong email address. I was advised to resend the docs to XXXX in which I did. If this loan was close to be foreclosed on, we would be headed there swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I lived at XXXX XXXX XXXX XXXXXXXX XXXX  for majority of my lease agreement before moving out due to health and hazardous conditions ignored. I gave ample notice that I was moving and why I was moving and I was granted approval. I have responded to every letter they send with the same information and I never get a response. I have sent XXXX regular letters and XXXX certified letters. This debt does not belong to me as I moved out and gave notice months before these charges. Please see lease agreement and email communications attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank has continued to purchased lender based insurance on a home equity line of credit where I am the borrower but do not own or have ever owned the property that secures the loan. Wells Fargo has repeatedly rejected declaration pages that have been sent to them ( where they are listed as loss payee ) because I am not the named insured/policy owner. The policyowner and owner of the property securing the loan did sign a mortgage document but is not a borrower. The policy owner contacted the insurance company ( XXXXXXXX XXXX XXXXXXXX ) to see if I could be added to the policy as co-insured/co-policyholder. XXXX XXXX XXXX would not add me as co-policyowner/co-insured because I do not have ownership/title to the property. I contacted The New Jersey Department of Insurance and they confirmed that XXXXXXXX XXXX decision was correct because adding me on the policy when I do not have ownership of the property would contradict the " insurable interest '' doctrine that insurance companies need to adhere to. In essence you can't insure it if you don't own it. I am questioning how Wells Fargo can with out my permission purchase a policy in my name as insured/policyowner when I do not nor have ever owned the property. I also question how Wells Fargo knowingly approved a home equity line of credit using a property that I never owned as collateral. Is it possible they never did a title search?. The bank has charged the line of credit {$10000.00} for insurance premiums even though a valid policy exists. This fee is more than XXXX XXXX times higher on what the XXXX pays currently. In essence there have been XXXX policies on the property for the previous 5 years. The New Jersey Department of Insurance suggested I try to resolve the problem directly with Wells Fargo which I was not able to do and this results in me filing a complaint through CFPB. In lieu of that it was suggested to open up a case directly with XXXX. According to the XXXX at XXXX, Wells Fargo has been cited for similar violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing a complaint because the Credit Bureau Equifax has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight XXXX XXXX XXXX XXXX XXXX Chase said they would refund my flight due to XXXX cancelling because of the XXXX XXXX XXXXt XXXX Chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit, but was never provided an amount of points. 

I confirmed with Chase that they received {$670.00} from XXXX, but they have not provided an equivalent refund of points, despite saying for weeks that they would do so, having admitted the error or their part. They have been holding this refund up for months now with no concern for my financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NY

Complaint narrative:
I have repeatedly called us direct express by comerica Bank that I get my social security benefits deposited on to over the past XXXX weeks approximately XXXX times to get info on transactions but get message to call back later. A live person has not once answered the phone. The login I used to use to print my own statements says it is no longer available. I am applying for financial assistance for medical bills and will be denied unless I have these statements causing me financial harm. I need XXXX and XX/XX/2022 statements immediately. I called web support XXXX days ago and was advised that on their new app u can not get statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone hacked my account and deposited money into it without my consent. The bank closed my account. I was not aware of it, I did not go to the ATM or anywhere to deposit a check. I tried calling the bank to explain but they were not helpful. Ive lost my account for something I didnt do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/2022 my name, phone number and social security number were used to fill out a target red card credit card. I contacted Target and they informed me that my a different address and email from mine were used but couldn't inform me what was used due to security reasons. They did not process the card and will be putting in a request to take off the hard inquiry applied to my credit report due to fraud. So no money was taken from me or used on my credit by any means yet. Just a hard inquiry was added to my credit report.

Company response to consumer: Closed with non-monetary relief