vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-10-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I was fraudulently charged after someone impersonating someone I trusted. I was charged 5 seperate times for a total of {$980.00}. These were UNAPPROVED transactions, as I never signed anything or entered a pin number, which is in violation of Section 5 of the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX  XXXX wage earner status for XXXX and transunion which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

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 2022-10-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for equifax and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX  is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account was discharged through XXXX XXXX  bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for XXXX and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX about changing the incorrect information nothing has been changed after 30days and after dispute through experian no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my experian credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This is my second complaint. This will be month XXXX of our payments from FL XXXX XXXX XXXXXXXX not being applied to our loan. There is proof that XXXX is sending checks, but they are not reaching account or being applied. I am waiting as long as I can during the month to give Caliber time to apply the funds, but this is now over 60 days without any payments applied to account. I am not able to pay, that is why I qualify for the assistance. This is my wits end. My first payment from XXXX was applied to my home loan in XXXX, so I know that the system works. Caliber is not doing the leg work to assure my funds from XXXX are applied and I have heard this from many other people who deal with them as their lender as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Dates : 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit scare with only Transunion dropped XXXX points from XXXX to XXXX. I called Transunion and asked why. They refused to tell why or gove an answer. 

Rep made many claims of why it might drop. However, none of those reasons exist. 

I updated my address and Transition rep repeated the correct address over. But gold figure. Sent my said report out to a wrong unit number still. I found out the Transunion typo '' XXXX i called them back, the reps fix the address and say they will resend the my report with a credit score. I would have to pay for the credit score. 

After correcting the address twice. The documents to the right address never showed. 

The only way to get my points back is to apply for a credit card. I will not. To many people are in debt to credit cards. My credit score should not be tortures based on that. I should not be ransomed to get a credit card to get my score back. I pay my bills on time and nothing has change to drop my score. So why has it fallen.

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 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Dates : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: IL

Complaint narrative:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Dates : 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 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a victim of the infamous XXXX XXXX where someone posing as a representative of Wells Fargo called me saying my account had been compromised. My caller ID said Wells Fargo, they asked me to do the same things that Wells Fargo regularly does, and in the process they nearly drained my account. I filed multiple claims with Wells Fargo, was denied and told there was no appeals process, even though this protection bureau states clearly that they are liable. Its going on a year now, and all Wells Fargo has done is started adding fees onto various accounts I have with them. I am a XXXX XXXX XXXX and was actually in the room with a XXXX XXXX  with this scammer called me. My life has been stressful enough with all the pandemic brought to my doorstep, and Wells Fargo has been the furthest from helpful in resolving this. With my account then having a negative balance, any money sent to it was swallowed up as repayment. I had my XXXX sellers account still linked, and my XXXX pay as well. I lost a few additional hundred dollars before I unlinked the checking account that Id been using for 12 years.

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 2022-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Munar Mortgage, LLC DBA Co/LAB Lending
State: PA

Complaint narrative:
I entered into the process of taking out a mortgage with Co/LAB Lending from XXXX XXXX XXXX XXXX in order to purchase a home which we had an offer accepted on. Early on in the process, I was gold by the mortgage broker that my interest rate was locked in at 5.25 % ... About XXXX weeks before closing, I received a call from the broker stating she had made a mistake, and did not lock in my mortgage rate. She claimed it was too late to go back and lock in the rate I thought I was receiving, and she cautioned that rates were continuing to drastically rise ... She claimed she gave up all of her profits to get me close to the rate I anticipated, but my rate still went up to 5.75 %, which is a significant amount and was not in my budget. The company refused to take any other actions to get my mortgage back to the rate I was told was locked in, and that I had budgeted my entire home buying process around. This company has been very difficult to work with, as the loan processor often also didn't correctly handle details he was given. For example, he was told multiple times that I would not be escrowing my homeowners insurance and taxes with my mortgage, yet multiple forms of paperwork received by him did not indicate that. He also sent out via email a crucial document at XXXX p.m. on a Tuesday which needed to be signed that day or my closing would be delayed. He also never texted or called me to let me know that document had been sent. Because I was engaged in other things and not checking my email frequently that late in the day, and had no idea the document was coming or the time sensitivity associated with it, I almost missed receiving the document. I also had questions before signing it, but was able to get the broker via her cell phone about XXXX that evening to answer the questions. But the mistakes by this company are not acceptable, particularly when they're costing me thousands of dollars more when I was told the interest rate was locked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Well unfortunately I had a XXXX and this un legal got my car towed while I was sick and they had me to put. Down a deposit that never went on the loan lots of lies was told the car wasn't new and use fraudulent things

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 2022-10-29 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX COLLECTIONS are requesting a payment of {$160.00} due to collections which is illegal and wrong.

Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must provide the consumer with a validation notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: 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 XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX Bankruptcy Reference # XXXX has violated my rights XXXX XXXX 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 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 2022-10-29 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: Early Warning Services, LLC
State: NY

Complaint narrative:
My account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company!

Company response to consumer: Closed with explanation