vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: OH

Complaint narrative:
my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, equifax, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX  - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX - acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: OH

Complaint narrative:
my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, XXXX, experian are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # 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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Opened an account with wells Fargo when I got my first job and anytime I would overdraft they would charge me an overdraft fee everyday until I put money in the account. Or they would charge me a bank maintenance fee and then charge an overdraft fee over and over until I couldnt financially afford to keep the account. Its been hard to get certain bank accounts now and its been 10 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 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday XX/XX/2023 I called TRUIST XXXX requesting necessary documents to change ownership of my mortgage from primary owner ( me - XXXX XXXX XXXX ) to a Revocable Living Trust. I subsequently called XX/XX/2023 ( XXXX - CRep ), XX/XX/2023 ( XXXX - CRep ) XX/XX/2023 ( XXXX - CRep ). 
Each Customer Service Rep assured me the documents had been mailed. I do not understand the delay in documents arriving in XXXX, GA taking this amount of time coming from South Carolina. If documents were being originated from the XXXX office, I was never corrected as to that when I talked about South Carolina office.

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 2023-03-26 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: Bread Financial Holdings, Inc.
State: GA

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

In accordance with the Fair Credit Reporting act COMENITY CAPITAL BankAccount # XXXX, has violated my rights. 


n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2023-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I am trying to assume an FHA loan that is serviced by the company Mr. Cooper. I first contacted the Mr. Cooper assumptions team via email ( XXXX ) on XX/XX/2023. I never received a response. On XX/XX/XXXX, I was finally able to get a customer service representative from Mr. Cooper on the phone, who sent me an assumption " welcome packet '' via email. This packet asked for some information from me and some information from the current borrower. We both completed our respective pages and, on XX/XX/XXXX, we sent the packet back to Mr. Cooper via 3 methods : email ( XXXX ), fax ( XXXX ), and USPS. Each one included a request in the cover letter for someone from Mr. Cooper to acknowledge receipt of the packet and let us know if they needed any additional information. It has now been 4 weeks, and I have not received a single communication from Mr. Cooper in that regard. I sent an additional email to the same email address on XX/XX/XXXX, and did not receive a response. 

Since the beginning of this process, I have contacted the Mr. Cooper customer service line 5 times. I usually have to spend at least 15 minutes navigating their automated phone system before I can talk to a real person, because the system continually loops me back to the beginning of the process and I have to start over. Each time, I have ended up talking to a different representative. Each one has refused to let me talk to ( or even set up a phone call with ) someone who actually works in the loan assumptions department. This is problematic because each time I call in I get conflicting information about what information they have received from me, when they received it, when I will receive a response, and even whether the loan is assumable in the first place. I am consistently pointed to the same email address ( XXXX ) that I have contacted 3 times without a response. 

I do not know, and no one at Mr. Cooper seems to be able to tell me, the status of my assumption application. I've been told that the assumptions team is theoretically assessing my credit worthiness. I would love if that is the case, as that would represent progress. However, this seems impossible as I have not provided the typical information ( bank statements, income/employment verification, etc. ) typically used to assess credit worthiness. I would be happy to provide this information, but someone from Mr. Cooper needs to tell me how to provide it. All that I have provided thus far is the basic demographic information requested in the welcome packet, a photocopy of my driver 's license, and a photocopy of my social security card. Given that I still haven't heard anything back from Mr. Cooper, I now worry that I have given my SSN to a complete sham of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: NY

Complaint narrative:
I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ). 

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : 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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Had issues with deposits accurate accounting and fees

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 2023-03-26 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: GA

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 2023-03-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Why are you still reporting inaccurate information on my credit file. I sent a dispute which you Experian received on XXXX/XXXX/XXXX  at XXXXXXXX XXXX XXXX XXXX  This is my 4th dispute about this same inaccurate account. You didn't do a proper investigation. You need to reinvestigate these issues and delete XXXX  account from my credit file because it's not accurate.

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 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Commenity Bank - Victorias Secret Credit Card has been repeatedly calling me. Call log below for today alone. 

XXXX Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX Call 3 at XXXX XXXX Call 4 at XXXXXXXX XXXX Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX Call 9 at XXXX XXXX Call 10 at XXXXXXXX XXXX  This IS harassment! I have screenshots of the call log and will continue to do so until it stops!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi- I am writing to express my disappointment and frustration regarding my recent hotel reservation through XXXX  XXXX. I had made a reservation for hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX, US ) from XX/XX/XXXX XX/XX/XXXX with confirmation XXXX, and to my surprise upon arrival at the hotel on XX/XX/XXXX, I found out that my reservation was canceled without any prior notification from XXXX XXXXXXXX. 

I was looking forward to this trip with my family and had made all the necessary travel arrangements, based on the reservation that I had made through XXXX XXXXXXXX. The sudden cancellation of my reservation has caused a significant inconvenience to me and my family. I was on the phone with XXXX XXXXXXXX customer service for over 35 minutes and unable to get any help other than putting me on hold multiple times. I had to make alternate arrangements at the last minute while sitting in the hotel lobby that cost ( $ $ ) me more than my original reservation. 

What is more concerning is that I did not receive any communication from XXXX XXXX regarding the cancellation of my reservation. I had to find out about it when I arrived at the hotel. This is completely unacceptable and unprofessional on your part, and it has left a negative impression on me regarding XXXX XXXXXXXX Travel. 

I would appreciate it if you could investigate this matter and provide me with a reasonable explanation for the cancellation of my reservation without any prior notification. Additionally, I would appreciate it if you could provide me with suitable compensation for the inconvenience and stress that this has caused me and my family. 

I hope that you take my complaint seriously and take appropriate action to ensure that this kind of situation does not happen again in the future. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-26 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: CA

Complaint narrative:
A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.... '' 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n.

You have a right to disputed anything on your credit report if you think it is wrong. You should always send your disputes to the agencies. If the errors is not fixed, you should consider taking legal actions.There are numerous incorrect and fraudulent inquiries on my credit report. I spoke with these companies numerous times, and they have failed to remove the following inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Previous and on XXXX2023 my credit was reported as XXXX. NONE of my actual FICO or XXXX scores are XXXX. I have attached all Bank and Credit scores as reported on Experian, XXXX and XXXX. I contacted them multiple times.

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 2023-03-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
You are violating my rights! I sent disputes which you arnt investigating. I have electronic trracking saying you Equifax received my dispute via fax XX/XX/23 at XXXX XXXX XXXX. I have information from USPS saying you received my dispute in the mail XX/XX/23 at XXXX XXXX XXXX XXXX Why are you not doing a proper investigation. Delete these inquiries. You need to re investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: OK

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, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation