vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
We have a construction and mortgage loan with a private lender through XXXX XXXX  XXXX. The loan matured in XXXXXXXX XXXX. In XXXX, the lender and XXXX were notified of a contract for sale of the project. They were forwarded the contract and the potential diligence period to complete the sale. 

We requested a Payoff and were forward the values due. The payoff included for any interest due and the principle on both the mortgage and construction loan. 

When the buyer completed its diligence on the property, we learned the lender had transferred the loan service over to FCI Lender Services during the same period.

As we prepare for closing, FCI sent us a payoff that included for almost XXXX in default charges and fees. 

While we fought the charges, FCI has been non-responsive and denied their removal. This has jeopardized the entire sale. Unless we relent and pay them the XXXX immediately. This effects, not only the participants, but the tenants within the building.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX

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 2023-07-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: TX

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: LCI Acquisition Inc.
State: CO

Complaint narrative:
I have previously disputed this item with XXXX and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to XXXX, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
XX/XX/2023. I purchased a {$100.00} Vanilla visa gift card from XXXX for a college kids, When she opened it there was not a card in it, it was a XXXX card that had the bar code on the back and blank on the front. I went back to XXXX in XXXX Missouri on XXXX and they said no refunds on prepaid cards. I was told to call Vanilla visa which I did, I was then told to send a copy of my receipt, visa card front and back and a copy of my Drivers Licenses. I get that they need to verify who I am but I just don't e-mail my personal information and they were not trying to work with me at all. This is XXXX, I can't believe I couldn't get any assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi Team, Someone tried to submit the loan application behalf of my name and details and id and they submitted my id not sure from where they have pulled my details to apply a loan with XXXX XXXX XXXX. 

please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.

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 2023-07-27 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: FL

Complaint narrative:
I am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
been tryn 2 update my in bank account info

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 2023-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late payment was never late, Please remove. The above named account was reported late on XX/XX/2023. The amount reported late is in the amount of {$550.00}. This is incorrect information. 

Transunion 's Resolution : XXXX XXXX XXXX was UPDATED, My Complaint : I requested to have the late payments REMOVED. The credit reporting agency has not removed the late payments. 
By LAW 15 USC 1681a under the exclusions that a consumer 's transactions or experiences are not included in the consumer report. How are you reporting this item as late on your system when clearly the law states on the consumer report its not supposed to be there?

Late Payments reporting to my consumer credit report is illegal according to LAW.

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 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of fraud and this is account is stopping me from buying a home.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2023 I was at work when I received a phone call informing me of fraudulent charges on my account. I did not authorize any charges so I agreed they were fraudulent. I was then asked to repeat the XXXX digit pin text to my phone to secure my account. I did. 

I almost immediately received an email saying that my debit card had been added to XXXX XXXX  and XXXX XXXX  accounts and the perpetrator began using it to withdraw money from an ATM. {$440.00} was stolen from my checking account ( Chase bank reimbursed these funds later ) I immediately ran across the street to the nearest Chase bank facility. Reported the fraudulent charges on my account. My funds were then switched to a new account number As I was sitting in Chase bank the perpetrator started withdrawing money from my savings account ( Im not even sure how thats possible ). A total of {$1000.00} was stolen from my savings account in multiple ATM withdrawals of {$140.00} & {$160.00} amounts. 

Chase bank refuses to refund my stolen money despite filing a police report and immediately reporting the fraudulent withdrawls, despite a Chase bank representative being present when the account was being hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Costco Anywhere XXXX  Account XXXX XXXX Billing Inquiry Attn : Customer Service To Whom It May Concern : I am rewriting as there was no response to my letter dated XX/XX/XXXX ( copy attached ). 

In reference to the XXXX Statement ( page 2 of 3 under Account Summary, attached ), {$690.00} was charged as " CREDIT REFUND AS REQUESTED '' dated XX/XX/XXXX, and this amount was added to three other transactions : {$12.00}, {$160.00}, and {$34.00} to make the total purchase amount of {$900.00} under Account Summary Purchases on page 1 of 3. 

However, as agreed to by your billing specialist in the chat room dated XX/XX/XXXX ( attached ), I believe this is an error as the credit refund should not have been added to the total of my other transactions. This credit refund was to correct a previous overpayment that I had made to Citi. 

Please let me know if you require any further information from me, and if you can please update the relevant statements immediately before the next statement due date on XX/XX/XXXX to reflect the correct balance due of {$210.00}, I would greatly appreciate it. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Attachment : My Letter dated XX/XX/XXXX Citi Bank XXXX Statement Screen Shot of Chat dated XX/XX/XXXX C : Consumer Financial Protection Bureau New Jersey XXXX XXXX XXXX Attorney General 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 explanation
Consumer complaint received 2023-07-27 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: MO

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  Account name : # XXXX XXXX XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXXDept of Education Account name : # XXXX XXXX/Dept of Education Account name : XXXX XXXX XXXX  Account name : # 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 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 2023-07-27 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: MO

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 XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX # XXXX XXXX/Dept of Education Account name : # XXXX XXXX  Account name : # 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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