vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I can not access the information due to being locked out of the account by Wells Fargo

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 2023-01-20 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-20 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: NC

Complaint narrative:
Credit bureaus have fraudulent inquiries on my reports, i need them gone per law 15 U.S. Code 1679c

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 2023-01-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit bureaus have fraudulent inquiries on my reports, i need them gone per law 15 U.S. Code 1679c

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 2023-01-20 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:
in accordance with the Fair Credit Reporting act XXXX  Designed 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 2023-01-20 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
In XXXX of 2022 we used a service called " XXXX '' who referred us to Rocket Mortgage to lock into a 30 year mortgage rate at 4.62 %. This mortgage was for a home that we were building, and we locked into close in XXXX of 2022. We were pre-approved for this loan, and as the closing date came near, we abided by all of the terms of the loan and did everything XXXX XXXX Rocket Mortgage asked us to do. However, interest rates rose over that time period, and we have evidence to show that Rocket Mortgage used a fraudulent appraisal to avoid honoring the loan, which was locked in at a below market rate since rates rose during the time we were waiting for our home to be built. 

The reasons that we know that the appraisal was fraudulent were : 1 ) they appraised our house at a lower value than a smaller home on our same street and in our same plan XXXX ) they refused to accept comparable properties which would have increased our appraisal value XXXX ) even though Rocket Mortgage suggested on their own website getting a second appraisal when the first appraisal comes in below the sales price, Rocket Mortgage refused to accept a second appraisal that was done by an appraiser that our family had not affiliations with XXXX ) they refused to correct inaccuracies on the appraisal when we disputed them using the Rocket Mortgage form. 

We know that Rocket Mortgage did this to other consumers, because our rep from XXXX told us he was working with other families that were in the same situation, they had locked in at a low rate and now then appraisals came back far under the sale value. This forced many families like us to come up with tens of thousands of dollars in addition to the planned closing costs, or lose our below market rate and go with another lender. 

Our family went with another lender who appraised our home at $ XXXX compared to XXXX 's appraisal at {$390.00}, but offered us a rate much higher rate of 6.25 % since rates had gone up. This is costing our family $ XXXX if nothing is done. We feel the evidence we are attaching show this is clear fraud and we would like CFPB to investigate and take corrective action to help us and the other families that were victim to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial
State: OR

Complaint narrative:
I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing ACH withdrawals that I make from XXXX to my bank. I made ACH withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in 3-5 days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an ACH transaction of XXXX, to be sent to my bank account at XXXXXXXX XXXX following the XXXX  guidelines, instructions and terms of service on XXXX, XXXX, days prior to XXXX declaring bankruptcy on XX/XX/XXXX. 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my ACHs ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to the ACHs and/or the status of my funds. 

Circle is responsible for managing the ACH process. At this point, almost 3 months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, ACH withdrawals are no longer in their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo account since 2000 I have been overcharged mortgage fees Credit card fees Checking account fees

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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Since sunday XX/XX/2023 commenity bank has called me XXXX times. Both from a blocked phone number and their actual phone number. It is absurd. They have violated regulation F, if memory serves me correct and are going against FDCPA guidelines. I understand i owe and i do plan on paying. At the moment it is a difficult situation we are working on getting out of. The calls arent necessary and excessive AND abusive. I feel harassed by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX XXXX. Account # : XXXX XXXX. Name : XXXX XXXX XXXX. Tel # : XXXX ( Cell ) / Email : XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX KS, XXXX My name is XXXX XXXX. Id like to dispute unauthorized transactions from my checking account on the XXXX, and XXXX of XXXX, XXXX. And I also request to update my current address given above. 
I had moved to XXXX  from XXXX  in XXXX, XXXX and XXXX havent checked my checking account balance for a while because there wasnt any branch of Citibank here in Nebraska. Meanwhile, identity theft made several deposits to my account and withdrew my money from my account on the XXXX, and XXXX of XXXX, XXXX. 
I came to realize that my account was bounced by overdraft and Citibank automatically closed my account. So, I couldnt access internet banking to get bank statements in order to report this issue to the police. I tried to contact Citibank representatives to report this issue several times but they told me that the investigation was processing now and I need to wait until Citibank will contact me. So I visited branches of Citibank in California and reported the unauthorized transactions. They told me the same thing. 
I have been waiting for the reply for XXXX  months but I havent received any response from Citibank. This morning, I called Citibank customer service one more time and got the information on how to appeal this issue to XXXX XXXX XXXX XXXX XXXX directly. And I requested to update my current address and contact number but the representative wasnt able to do that. So, I would like to request to change my current address and phone number as well. I look forward to hearing your answer about the unauthorized transactions from my checking account and starting out the investigation about my request immediately. 
If you have any questions regarding my request, please contact me at any time. I appreciate your help. 

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 2023-01-20 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo charged overdraft fees

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 2023-01-20 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: NY

Complaint narrative:
By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXX XXXX  Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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 2023-01-20 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: NY

Complaint narrative:
By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXX XXXX  Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
incorrect information reported. 

Don't have a XXXX XXXX XXXX XXXX as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605

Company response to consumer: Closed with explanation