vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I pay my statement balance in full each month. Per their statement fine print they apply my payment within 5 days. This time, the balance was high, because I am doing a construction renovation in my home. So I paid the {$9000.00} balance off on XX/XX/XXXX. The money has left my checking account on XX/XX/XXXX. I called in XX/XX/XXXX to see why they hadn't applied the payment yet and they said they were holding it until XX/XX/XXXX. That is XXXX weeks where they have my cash AND are holding my credit. That does not seem right or fair and they can not provide terms that I signed that said they would do that. They are penalizing me for paying!! Outrageous. And if they can hold my money for 14 days, shouldn't they owe me interest??? If I was 2 weeks late on my payment I am sure I would have to pay interest. Why do they get to lock me up like this? My contractor is waiting for his next payment!!

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 2024-06-08 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need XXXX accommodations to report with Someone verbally The last lady I talk to lost my information because of technology She re wrot3 it but this is not complete XXXX XXXX originated a loan in XXXX of XXXX for a conventional loan with no prepayment penalty and the ability to get a home line of credit. 

Wells Fargo Office of president 1st Complaint XXXX  who investigate told me I had to wait until XX/XX/XXXX to be able to get a home equity line of credit with our conventional loan. 

We wait and apply for home equity line of cerdit with XXXX XXXX XXXXXXXX. 

XXXX  XXXX XXXX deny our home equity line of credit and told us to contact Wells Fargo about a home equity line of credit. 

I filed a second complaint wells fargo office of president This time XXXX told me i wasn't i the loan that i have. 

I called 4 or more times to wells fargo and each new person confirm by phone myy loan information confirm I have a conventional loan. 

They sent me documents but deny me XXXX accommodation requested under XXXX of XXXX font or bigger with double space. 

Wells Fargo informed that the lady that told us to come to the the closed attorney office lobby and bring check book for closing costs. 

That lady with loan document who check out diver license had to tell us what we signing because we unable to read it. 

She did not read us entire documents. 

We aware we unable to read. 

She did confirm we have a convential loan with no prepayment penalty. 

We have call records with XXXX with transcription. 

We mislead by Origination person XXXX XXXX told our XXXX barriers he had to stay on phone with us to tell us how to fill out loan information. He did this with me Then he got on phone with husband tell him how and what to do on computer because no XXXX accessibility for our XXXX accommodation needs. 

We further mislead by XXXX Well Fargo XXXX XXXX XXXX President who tell me I wait until XX/XX/XXXX when I can apply for home equity line of credit. 

We find out later that in XXXX XX/XX/XXXX had XXXX given us correct information we could have refinance loan into the loan we originally requested when interst rates low. 

Wells fargo bait switch loan term know we unable to read.

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 2024-06-08 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:
XXXX XXXX is reporting inaccurate and outdated information I have asked them several times if they could remove or update the information. 

XX/XX/year> XX/XX/year> XX/XX/year> {$20000.00} {$13000.00} {$20000.00} Information is inconsistent and inaccurate across all three credit bureau 's once again violating my rights per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: PA

Complaint narrative:
XXXX XXXX is reporting inaccurate and outdated information I have asked them several times if they could remove or update the information. 

XX/XX/year> XX/XX/year> XX/XX/year> {$20000.00} {$13000.00} {$20000.00} Information is inconsistent and inaccurate across all three credit bureau 's once again violating my rights per the FCRA.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to bring to your attention a serious issue regarding my credit report. TransUnion has persistently reported a disputed account on my credit file, despite my repeated attempts to contest its validity. Although I have requested verification of the debt, TransUnion has failed to provide any supporting documentation, as required by law ( 15 USC 1692g and 1692c ). This constitutes a violation of federal regulations. I urge you to investigate this matter and take prompt action to correct my credit report, as the inaccurate information is causing harm to my creditworthiness.

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 2024-06-08 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. 

XXXX XXXX, Account Number : XXXX, XXXX XXXX  XXXX, XXXX Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX XXXX, Account Number XXXX, XXXX XXXX XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX. XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX XXXX, Account Number XXXX  XXXX, XXXX XXXX, Account number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX Account XXXX : XXXXXXXX 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 items 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 2024-06-08 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: 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. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX , Account Number XXXX XXXX XXXX , Account Number XXXX XXXX XXXX , Account Number XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number : 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 items 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 2024-06-08 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: TX

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER-XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

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 2024-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I paid my arrears that had my account in foreclosure. The account was in a XXXX  XXXX because of the arrears and foreclosure. The account is now current and is still reported by Bank of America as in 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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
While I do have an open complaint, I am adding to the complaint. 

XXXX XXXX told me that it takes 10 days to transfer an overpayment from the credit card to my bank account. I called her twice today ( XX/XX/year> ) with no return telephone call. Previously, a different individual wanted to send me a check in XXXX billing cycles ( 60 day ). In both cases this is a fraudulent scheme for Bank of America to keep the money and earn interest on the money. If a payment can be paid from my bank account to the credit card division in 1 day, there is no reason that they can't transfer an overpayment in one day. I want interest at 6 % on the money they are holding. 

I have wasted about 3/4 of an hour dealing with the hurdles Bank of America has placed in order to hold on to the money for as long as possible. I am a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX from the XXXX XXXX. My billing rate is {$300.00} per hour. I want Bank of America to pay me {$220.00} due to their fraudulent actions. 

Thank you. 


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 monetary relief
Consumer complaint received 2024-06-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As I was looking thoroughly at my credit report I noticed that there were inquiries that I did not authorized.

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 2024-06-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As I was looking thoroughly at my credit report I noticed that there were inquiries that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe FCRA 605B obligates us to remove any incorrect accounts from my credit report. Could you inspect the documents? Some of the listed accounts contain inaccuracies in the reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: MN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation