vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: South Carolina State Housing Finance and Development Authority
State: AL

Complaint narrative:
The lender contacted me on Tuesday, XXXX XXXX, 2024. I filed a complaint today on Friday, XXXX XXXX, 2024. In their response, they reported that they had been in contact with me and were sending me a letter. The lender appears to be misrepresenting the truth as there has been no additional contact with me directly since Tuesday, XXXX XXXX, 2024. The mortgage supervisor I spoke with on Tuesday, XXXX XXXX, 2024 stated that her superior was gone for the day and that she would just send me a letter. Once the complaint was filed, the lender responded that they were working on the matter. Finally, they reported that they had been in contact with me and were sending a detailed letter. There was no additional action taken today beyond what had already been done on Tuesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and 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 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This letter is regarding debt you say I owe, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damage for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the fair Credit Reporting Act and fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et seq., the Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, waiver status. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report. 

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent. 

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable. 

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :

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 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I applied for a {$350.00} loan by a virtual card through affirm. I was approved after the processing was complete on XX/XX/XXXX. They sent me an e-mail saying I was approved and to keep making payments. There was no link sent or virtual card access to use this loan at XXXX XXXX. They told me to call the XXXX. The merchant stated " we have no idea who Affirm is and we don't provide credit through them. I called affirm XXXX times with each person saying the same thing " you have to wait XXXX hours and the link will be sent to your email. They all acted like they are reading the same script. Basically Affirm steals your money immediately and will not respond. I was told over and over. You will receive a link in email tomorrow. They sent some unresolved response today. The response basically says " loan is approved, now pay it. There are thousands of the same complaints. Affirm believes it has the right to steal from innocent people. My loan amount was {$350.00} I just found out today it XXXX interest on a loan I never received. Affirm runs their Business backwards. If you get a virtual card or loan from any other site such as klarna, pay XXXX, and more they return your unused amount. Affirm steals your money and puts you through he.. that's theft and deceptive practices. I want this resolved ASAP. I'm infuriated. They should never takes someone's money without providing a way to use a loan they approved. I never even received the amount of interest on this loan until today XXXX on Friday. They need to refund the money they took out and cancel this debt. No way can it be legal for them to keep your money and charge you for a loan you never received. I will not give up and I will reach every resource I have. If that includes my brother who is a lawyer he will sue them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX I made a purchase on XXXX for {$8.00} using my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa XXXX XXXX a payment of {$10.00} posted to my Wells Fargo Visa XXXX XXXX XXXX issued a statement for my Wells Fargo Visa showing the account over the {$5000.00} credit limit by {$9.00} On XXXX WFC sent negative information to the XXXX XXXX XXXX XXXX. 
On XXXX WFC a payment of {$10.00} was posted to my Wells Fargo Visa As can be seen from the above time-line of events, WFC failed to timely post my payments to my Visa account and thereby caused a violation of the {$5000.00} credit limit by charging interest to the account ahead of posting the last payment. Had WFC timely posted the payments, there would NOT have been any violation of the {$5000.00} credit limit. Therefore, WFC should be required to retract the negative credit information they sent to the XXXX XXXX XXXX XXXX ASAP

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 2024-09-07 00:00:00
Product: Credit 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: CA

Complaint narrative:
Contacted the company I purchased through. They approved the refund and stated the seller must pay return shipping. I had to provide the seller with the fee first for then to approve the cost of the return for reimbursement. The seller would not approve. The company stated they could give me future credit. I advised I wanted to send the broken item back and I do not want a credit. They have a guarantee that item must meet expectations or refund is provided. The eventually stopped responding. I started a dispute with citi card and they kept saying they didn't get the evidence I provided where they said I would get a refund from the seller. Citi finally said they got the evidence and dispute will be resolved by XXXX. They will no longer help. I received damaged goods I want to send back and get a refund and no one is cooperating.

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 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We began a loan application process with Wells Fargo several months ago beginning with a pre-approval for purchase of a new build home. Around early XXXX all parties were ready to close with loan approval in hand. XXXX delayed the closing process because there were a few minor punch list items for the builder to complete. This delay in closing happened at least XXXX more times throughout XXXX due to XXXX having issues with minor work that needed to be completed. Due to the WFs continuous inability to close on the approved loan, enough time had passed where XXXX apparently needed to repull credit. This final time, due to an erroneously reported past due cc payment, XXXX now says that we are not approved for financing when we were approved just the prior week. They backed out of approval at the last moment and have left my family with the prospect of being homeless. We were never given any indication that once we were approved that this approval could be pulled. This is unfair and unethical as we XXXX done everything the lender has asked during their significant delays.

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 2024-09-07 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
This letter is regarding a debt you say I owe, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damage for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the fair Credit Reporting Act and fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et seq., the Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, waiver status. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief