vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: MD

Complaint narrative:
It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$0.00}

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 2023-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX  XXXX acct XXXX, XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: FORD MOTOR CREDIT CO.
State: CA

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 by reporting information with actual knowledge of even the slightest chance of errors. 
15 USC 1681 Section 602a states that I have the right to privacy. Ford Motor Credit has violated my rights. 
15 USC 1681 sec. 604a sec.2 : says a Consumer Reporting Agency can not furnish my account without my written instruction. I never gave my permission for this to be made public. 
15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Ford Motor Credit is showing that I have five late payments. None of this is true. 
15 USC 1681c 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. I have notified Ford Motor Credit and the three major trade bureaus that this account belonged to my father, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
AFTER DOING A MINOR AUDIT OF MY ACCOUNTS I FOUND SOME FRAUD CHARGES ON MY CC. I REACHED OUT TO THE CC AND WAS TOLD BY CAPITAL ONE THAT I NEED TO CONTACT XXXX XXXX AS THE ACCOUNT WAS TRANSFERRED OVER. WHEN I CONTACT XXXX XXXX THEY TELL ME TO CALL CAPITAL ONE. I DONT UNDERSTAND THIS BACK AND FORTH AND WHY THEY REFUSE TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX XXXXXXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from 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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXX ACCT : XXXX, XXXX XXXX  acct XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Z I have banked at Wells Fargo Bank since XXXX  to never have a problem until I try to get a mortgage for my home I just bought in Maryland I had a credit card that was compromised and the bank canceled the card sent a new card with the debt of the old card. XX/XX/XXXXXXXX  Trying to attain a mortgage I was denied the mortgage because of one thing on my credit rating after going through some other changes with the bank I had to consolidate my bills While starting consolidating the same credit card that was supposed to been canceled and transferred to the new card showed to be still active. When trying to talk to Wells Fargo about it the bank became hostile and I didn't know what else to do. My credit was fine until I tried to get a mortgage other problems occurred in the banking service as well. 
I was turned down because of poor credit rating the one item on my credit report was a fraud claim my only loans are through the Wells Fargo I'm My only thought is to believe it's an act of discrimination any other problems I had was due to rules changing which cause major problems without notification of rule changing of disputing any kind of problem on your credit cards from two years to now a hundred and twenty days.

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 2023-04-18 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2100.00},

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21

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 2023-04-18 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: TX

Complaint narrative:
I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying

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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: GA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2023-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
On XX/XX/2023 I informed CHFA that I had made multiple calls and left a message with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX with no responses and no returned calls. On XX/XX/2023 ( XXXX ; XXXX ; and at XXXX ) I made three separate calls to XXXXXXXX XXXX XXXX choosing a different option each time as their system doesn't allow voicemails instead their system hangs up on callers. The third time I called i was able to leave a message and my call and message was never returned, this is when i reached out to the loss mitigation department in an effort to find a solution and know my options for not losing my home. On XX/XX/2023 ( XXXX ) I contacted the loss mitigation department in an effort to get an updated mortgage statement, which was necessary for my application for mortgage assistance. On XX/XX/2023 I was notified that they ( CHFA ) was unable to give me any information on my account or answer any questions I was informed that my lawyer would need to contact their lawyer for any and everything I may need. I asked why and I was told that they were unable to tell me anything I repeatedly informed them that I did not have a lawyer nor had I ever had a lawyer. She looked into my account further and then repeated that something I or my husband had done caused the note on my account that they were unable to give me any information pertaining to my account including my most recent and/or updated mortgage statement. On XX/XX/2023 I contacted a supervisor ( XXXX ) at XXXX XXXX XXXX and left a message stating i needed an updated mortgage statement and i had been unable to receive that from CHFA, i have yet to get a return call or my mortgage statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This XXXX, I decided to close my XXXX Comenity credit card. I had a balance of {$64.00} and paid it in full on XX/XX/XXXX. I then contacted their customer service and requested that my account be closed as soon as the payment posted. I received confirmation from them that they would be closing the account. 

I checked my account the following day and saw that the payment was posted and my balance was {$0.00}. I also received a letter from Comenity dated XX/XX/XXXX confirming that my current balance was {$0.00} and the account was closed. 

A few weeks later, I received a bill from Comenity for a {$40.00} late fee and {$2.00} interest charge. They are claiming that the fee was charged on XX/XX/XXXX which contradicts their confirmation on XX/XX/XXXX that my account balance was {$0.00}. So essentially they charged me this fee after I had made my payment in full and after they confirmed that the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have had an issue contacting my mortgage company NewRez LLC. They have a ton of different phone numbers listed on their website, mortgage statement, etc. and none of them work and haven't over the past month. I have been trying to call to discuss my escrow account and every line is disconnected along with them not responding to my secured online messages. They have different addresses listed as well. 
Newrez LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX None are functioning phone numbers and I am worried this is a total scam! I pay my mortgage every month and I don't know how they can not talk to their customers. This is just scary!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
nelnet / XXXX XXXX account XXXX $ XXXX XXXX XXXX is the cfo this acct is on my reoprts and need to be updated as paid in full and updated per law 12 usc 1813 as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Last year on XX/XX/XXXX, I send my mortgage company a check for {>= $1,000,000}. PHH is my mortgage company. I did write on the check Principal only payment # account number. This check was cashed by PHH. My mortgage amount didnt change. I wrote to PHH Customer Services on email on XX/XX/XXXX. They write to me that to recast my mortgage loan I need to send an extra {>= $1,000,000} to make it {>= $1,000,000}. On XX/XX/XXXX I sent a second check to PHH for {>= $1,000,000} XXXX wrote on the check Principal only payment # account number. This check was cashed by PHH. I wrote to Customer Service second time, on XX/XX/XXXX. They did request a recast for me with I didnt happen. Can you please help me? Thank you.

Company response to consumer: Closed with explanation