vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XX/XX/2023 XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Re : Urgent Request for Temporary Credit - Claim Number XXXX From : XXXX XXXX - XXXX To : Consumer Financial Protection Bureau ( CFPB ) - XXXX Cc : XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX Claims Act - XXXX, XXXX, XXXX XXXX - XXXX Date : Sat, XX/XX/2023, XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ) and Bank of America XXXX XXXX XXXX, I hope this communication reaches you in good spirits. I am reaching out regarding claim number XXXX, a transaction dispute that I filed a week ago. 

Having been a dedicated client of Bank of America, contributing significantly to the bank 's cash flow with more than {$10000.00} monthly, I find it prudent to assert my entitlement to swift and equitable service, especially during challenging times like these. Given the considerable financial rapport I hold with the bank, it would be fitting to regard me as a top client and grant me a temporary credit for the disputed transaction. 

Furthermore, I believe it is essential to note that all clients, irrespective of their financial standing, should be accorded a temporary credit immediately after successfully filing a transaction dispute. This practice will not only fortify trust between the bank and its clientele but also ensure that clients can manage their finances without unnecessary strain during the investigation period. 

This interim credit represents not just an assurance of my fiscal steadiness but is also emblematic of Bank of America 's longstanding dedication to client contentment. While I trust your team 's proficiency in efficiently settling such matters, this temporary credit would immensely assist in stabilizing my financial stance during the investigation. 

I would be grateful for your expedient attention and an update on when the temporary credit would be reflected in my account. 

Eagerly awaiting a prompt resolution. 

Warm regards, XXXX 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 2023-09-20 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: WA

Complaint narrative:
I called equifax a month ago and made sure I was speaking respectively with a low tone. I expressed my concerns of unauthorized inquiries & errors that where fraudulent on my credit report and asked if they could be removed and was told they couldn't do it so I let him know about the Fair Debt Collection Practices Act Law 111-203, X 124 state 1092 ( XXXX  ) Fair credit reporting Act ( FCRA ) 15 u.s.c. 1681 ( FCRA ) and asked to speak to the supervisor and repeated it after he told me he couldn't do nothing then he told me I don't care what law u say it's not going to make me do anything, I said this is the fraud department right, then I said your committing fraud and asked his name and hung up. I lost the paper I wrote his name on. I sent the second letters to all three bureaus recently and I don't see any changes at all. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. 

I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. 

Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. 

Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. 

Sincerely, XXXX XXXX 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 2023-09-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
I was contacted at the beginning of XX/XX/XXXX and requested that the company send me where the medical debt was from. They did not disclose where the bill came from, I was never sent anything so I called back again and asked where the medical bill came from and when the medical bill was sent to them and was sent to a different compliance worker who proceeded to scream at me and bullied me and when I asked to speak to another representative that was not so rude, he told me that there was no one else to talk. Also the worker said I needed to ask him a question that was actually a question but then I was told that I wasn't supposed to speak. So I had to ask him if I could ask a question. I filed a complaint with the company on XX/XX/XXXX regarding the employee to get his name and a recording of the phone call. A risk management director reached out and told me to call her or him and I have tried twice with no response. I have left call back numbers and emailed back to the risk manager director with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-20 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. 


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 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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Aspen Yo LLC
State: NY

Complaint narrative:
I have not received an accurate mortgage amount from my new loan servicer, Gregory Funding. 
My n2 previous servicer have never adjusted my payment from my post XXXX XXXX discharged bankruptcy. 
XXXX, my previous servicer never adjusted my 24 month escrow shortage after we satisfied their agreement to make up their admitted miscalculations of my escrow payment during my 5 year, 60 payments to satisfy my XXXX XXXX terms. The servicer then changed to XXXX XXXX and they did not adjust my payment that should reflect my XXXXXXXX XXXXXXXX and the subsequent 24 additional monthly payments to satisfy the 5 year escrow shortage on behalf of XXXX 's mishandling of my escrow account. 
it has been over 7 years of exorbitant payments which i have worked 7 days a week to keep up with. 
i recently have satisfied a 3 month trial that was originally with XXXX XXXX, that Gregory funding honored. 
I am asking that my mortgage and interest rate, which has never been refinanced, and no equity loans or adjusted interest rate since the start of the mortgage in 2006. 
i have sent Gregory Funding an extensive e-mail with 21 attachments of legal agreements and additional previous relevant mortgage information. 
looking for some relief after 7 years, paying my original mortgage payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
{$4500.00} in fraudulent transactions on debit card ending in XXXX occurred, which is representative of Regions Banks reputation for allowing fraud to occur then resolving the situation afterwards. Much undue stress on the client with no temporary credit and probably the maximum 10 business days to resolve to the clients satisfaction.

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 2023-09-20 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: CITIBANK, N.A.
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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX  XXXX First National Bank of Omaha ( FNBO ) that was approved 7 hours later and on the official XXXX XXXX website showed a bill offer that I would get a {$100.00} reward so my trip cost would be {$0.00} if I was approved and it would only take a few minutes to see if approved. This email does not document my card was an annual PREFERRED {$98.00} membership fee. XXXX uses the same type of promotion but XXXX was legitimate, XXXX did not illegally sign me up using false marketing schemes and XXXX did not illegally enroll me in a recurring {$98.00} membership fee like FNBO. 
XXXX received credit card with preferred annual fee membership. I checked balance to see if they charged me, but she & XXXX said they could not issue me the free membership card. So basically a {$90.00} trip ended up costing me {$280.00} since I never received any rewards and she said I'll be charged {$99.00} at the end of the month. Plus after 10 years I'll spend over {$900.00}. If I close tge card my credit will be destroyed!! Also FNBO XXXX with customers credit limits causing expensive fees and further damaging credit score. 

The official XXXX XXXX XXXX FNBO the predatory XXXX run an organized online cyber gig that gains access to customers credit cards using false pricing and in less than 3 minutes hijacked my money to a card that has add on fees and FNBO is an organization worth {$1.00} XXXX full of CEO grown-ups working for corporate greed bleeding average Americans and destroying their credit scores. And it IS ILLEGAL FOR COMPANIES TO DECEIVE CUSTOMERS INTO THINKING A DISCOUNT EXISTS WHERE IT ACTUALLY DOESN'T. 
I do not want FNBO credit card. FNBO has cases stemming back from XXXX charged for using deceptive business practice. I hope for a fraud solution with the XXXX credit companies so I don't get penalized as a company XXXX  makes {$1.00} XXXX dollars should be held accountable for my tiny request compared to their billions.

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 2023-09-20 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: TD BANK US HOLDING COMPANY
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 2023-09-20 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-20 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief