vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Case XXXX XXXX I started disputing my Drivers History report XX/XX/2023. Initially there were 3 violations that I did not recognize. XX/XX/2023 Drivers History responded with a letter verifying all 3 violations as accurate. I then asked for them to reinvestigate and provide proof of verification. I received a letter dated XX/XX/2023 which verified 2 of the 3 violations and 1 had been removed. Yet still no proof of verification was sent. As per the FCRA they placed an address for the furnisher of this information and provided a link as proof. The court has stated thy will never provide or sell data to any CRA ( credit reporting agency ). XX/XX/2023 I sent them another letter attempting to retrieve the documentation used to validate these violations. On XX/XX/2023 I received a letter dated XX/XX/2023 from Drivers History and in that letter they are verifying another violation which is the last one remaining. So this company removed 2 violations and never sent proof of validation. This is a data broker and this also brings into question the permissible purposes and the fact that I have never done business or contracted with this company but somehow they have information they refuse to validate. 
15. U.S Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of less than {$100.00} and not more than {$1000.00} or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of failure or {$1000.00}, whichever is greater

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
I received confirmation from MOHELA dated XX/XX/2023 that my student loans had finally been forgiven. Despite this, MOHELA continued to report this account as open to all credit reporting agencies. I then disputed this information with the agencies and XXXX has come back stating that MOHELA has provided them with current documentation that the account is still open with a balance {$19000.00}. This information MOHELA has submitted to them is not accurate with respect to the status or amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2023, I was approved for a Wells Fargo XXXX XXXX credit card. Part of the new card offer included said if I made at least {$3000.00} in purchases within XXXX  months I would get XXXX bonus XXXX XXXX points. I made over {$3000.00} in purchases by early XXXX, 2023, less than XXXX months since approval. Terms of the card offer stated I would receive the XXXX bonus points within XXXX to XXXX billing statements of meeting the spending threshold. By the nearly the end of XXXX, 2023, I still had not received the XXXX bonus points. So I called Wells Fargo and spoke to XXXX different departments, each having no idea what to do with my concern. Some departments had never heard of this XXXX XXXX Wells Fargo credit card. XXXX departments transferred me to XXXX XXXX which has nothing to do with Wells Fargo 's credit cards. XXXX departments said I should get the XXXX bonus points but they were not sure why there were not posting correctly. Finally I was transferred to the Executive Department of Wells Fargo. They did an investigation and told me via phone on XX/XX/2023, that my purchases violated the terms and conditions of the credit card, claiming all of my purchases were pre paid gift cards which are excluded from earning XXXX XXXX points. I appealed to the supervisor of this department and told them to look at my purchases on each statement and they could see I did not buy any prepaid gift cards. Prepaid gift cards are reloadable XXXX XXXX XXXX gift cards. I did not buy ANY prepaid gift cards with this credit. Some of my purchases were retail gift cards, which are not excluded purchases. In fact, all of my purchases already earned regular XXXX XXXX points on my account, just not the XXXX bonus. The supervisor reviewed my statements and agreed with me that I did not violate the terms and none of my purchases were prepaid gift cards. A second investigation was opened on XX/XX/XXXX and I was told to wait XXXX to XXXX business days for 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 2023-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened both a savings and checking account with Citibank in XXXX based on their advertised high interest rate. 

I transferred {$250000.00} to the savings account and had a little over {$10000.00} in the checking account. 

My daughter and husband then moved from XXXX Oregon to XXXX, PA and needed help buying their home so I wire transferred from my Citibank checking account {$100000.00} to the Realty company. There was a fraud alert based on the amount and I responded to confirming the legitimacy of the transaction and the wire went through. 

I then got notification that both my accounts were being terminated without explanation. I placed multiple calls to Citibank and was told I would receive a letter and my funds in XXXX days. I have not received a letter or my funds. I went online and have found numerous complaints regarding Citibank of similar nature. I understand banks have the right to terminate without cause but do they have the right to freeze and hold my funds over {$150000.00} collecting interest while I have no apparent recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

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 2023-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later... 

I found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc... 

When I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me " I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later? 

XXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have? 

XXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly? 

I received no response regarding these questions via email other than " The only thing I was inform to do was notarized this documentation ''. 

I need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have sent reports and disputed. they didnt do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have sent reports and disputed. they didnt do anything

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They company reported back to my original complaint on XXXX that they verified and checked the accounts they lied I pulled up my credit report as of today and one item they claimed was not there is showing there as of today which further proves they have not done their due diligence to fix the errors on my credit report. Identity theft should be taken more seriously and handled immediately this company has been a hinderance and has prevented me from a fair and completely accurate report they should not be considered a credible source of information as I am providing information they formally lied in a cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet purchased my student loan during the pause. I am able to make payments now that the pause is over. I have received multiple automated calls from them informing me the pause is over & multiple emails from nelnet urging me to set up an online account. When I try to do this and enter my SSN and DOB, their system tells me that I need to call them because they do not have a valid email or phone number to set up multifactor authentication -- -BUT THEY HAVE EMAILED AND CALLED ME MULTIPLE TIMES!! I did not receive my statement in the US mail with ample time to mail a payment back-the statement was dated XX/XX/XXXX, but it did not arrive in my mailbox until Saturday XX/XX/XXXX, with a due date of XX/XX/XXXX, giving only 5 mailing days for a return payment. So I have been diligently trying to make an online payment and I've tried calling them to set up my account since Monday, XX/XX/XXXX ( their call center is closed weekends ). Expected hold times have been anywhere from 80min to 3 hours when I've called, and I held for 2 hours one day only to be disconnected on the transfer. I'm just trying to make a payment! I should not need to go through multiple levels of security to set up a payment especially when they used the method of contact they say they need multiple times to reach me. It's unreasonable to have over 2 hour hold times to simply set up your account. Security measures are important, but should not be implemented in a way that they hinder a customer 's ability to make payments when they're taking on thousands of new customers. There should be another option than making a phone call if their call center is not staffed for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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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 of 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