vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX  reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - Capital one reported a late payment in the amount of {$42.00} XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion continues to violate my consumer rights. TransUnion continues to report inaccurate bankruptcy information after they claimed to have verified it. On XX/XX/2022 I sent a letter requesting a RE-investigation and method of verification with the specific details of the investigation. I received a letter stating that they are not required to. It specifically states, " unless you have additional relevant information that supports the change you are requesting ( ie a letter from the creditor or courthouse etc ). They then list the court as the furnisher. This is why I believe TransUnion did not investigate my dispute and just discarded it. My original dispute including the letter from the court stating they did not furnish this inaccurate and unverified information to TransUnion or anyone else. XXXX XXXX XXXX, Chair of the House XXXX XXXX reported that the consumer reporting agencies are not fulfilling their obligations to the consumer or the CFPB in accordance to the FCRA as evidenced by insufficient investigations or accepting findings of furnishers without an independent investigation. My dispute is exactly XXXX of these examples. I am enclosing my letter I sent on XX/XX/2022, the false and misleading response from TransUnion, the letter from the court, a copy it showing on my consumer report, and my driver 's license as proper identification.

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 2022-11-16 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-11-16 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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 crime which antedates the report by more than 7 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 have reasonable cause to believe 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 2022-11-16 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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2022 Greetings, I am the successor trustee of my brothers XXXX XXXX. On XX/XX/2022, I pay the remaining mortgage to Well Fargo. Within XXXX weeks of that, we received the escrow check. The check mistakenly got shredded. On XX/XX/2022, I wrote to Wells Fargo requesting they stop payment on the escrow check and to reissue a new check for the reasons above. Since that time, this is what I was asked to do, and it remains unknown if they will honor my request to reissue the escrow check. 

Questions I had answered via phone call with Wells Fargo : Wells Fargo : Where did you get the money to pay off the loan? 
My brother left money to his wife for her to either stay in their current home or to find somewhere that she may like better in order to be closer to her family. She used the funds to pay off his house for it to be sold to his stepson. 

Wells Fargo : We see that you had hail damage to the home where did that money go? 
My sister-in-law, put the insurance policy in her name so it would be easier for her to pay the bills. The roof repair is to be finished during the last week of XXXX and she is just waiting for the insurance settlement to pay the XXXX. 

Documents Wells Fargo requested from me : Certificate of Death, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : indicating that my name was the only XXXX on the trust account. 
On XX/XX/2022 an XXXX XXXX XXXX was requested along with XXXX XXXX XXXX, the Deed at the time of the decedents death On XX/XX/2022, Wells Fargo requested a copy of my personal bank statements showing any withdrawals made over the past 6 months. 
o I sent them all the trust account statements from the time of my brothers death to the end of XX/XX/2022. 
Copies of cancelled checks and/or wire transfer confirmations over the past 6 months. 
Documentation supporting that the home was sold or refinanced. 

It is disheartening that this has gotten this far. And unfortunately, I dont know why XXXX going thru this. I hope you can help in this matter Thanks

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 2022-11-16 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: GA

Complaint narrative:
the XXXX  never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX  to accurately determine or with any reasonable effort, determine if the debt belonged to me

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 2022-11-16 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: GA

Complaint narrative:
the XX/XX/XXXXnever investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XX/XX/XXXXto accurately determine or with any reasonable effort, determine if the debt belonged to me

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 2022-11-16 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: KY

Complaint narrative:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information

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 2022-11-16 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday XX/XX/2022 at XXXX I went to deposit a large amount of cash to an ATM at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

ATM XXXX XXXX : XXXX Time of transaction : XXXX XXXX  Total amount of deposit : {$980.00} cash ( XXXX {$100.00} 's, XXXX {$20.00} 's ) I subsequently filed a claim over the phone with a representative, who told me I would receive " a temporary credit while they investigage by tomorrow morning ''. However, Monday morning rolled around, and I haven't received any money from the transaction. 

I have spoken to numerous representatives all of which have been giving me the runaround, and I have lost confidence that I will see the money from Bank of America due to this error at the outdoor ATM outside of business hours on this Sunday at XX/XX/XXXX. 

I have included photograph evidence of the issue, and would appreciate anything you can do to help follow up and see to it I get access to the cash I deposited into this ATM. I appreciate anything you can do to help as this is causing an unreasonable level of financial hardship being out of these funds, as I needed this cash for bills and day to day funds to pay for things like food and supplies for daily life as well as keeping my car maintained so that I can get to work. 

Bank account number ending XXXX Debit card ending 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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have requested a modification from XXXX XXXX, but the company will not process it. Please see correspondence from our lawyer to counsel for XXXX XXXX on XX/XX/2022 : XXXX XXXX, As this chain of emails show, we have repeatedly requested information about our client, XXXX XXXX, and his ability to get a modification. Is there something missing that we can provide you? At best, you have told us you would " email '' your client. Our understanding of the federal rules is that we are supposed to get prompt responses regarding modification. Have you made your client aware that our client 's application for XXXX funds is pending? Please do not just send us another email that states you have forwarded something to your client. Also where are we in the modification process? If we do not get proper responses within 5 days, we plan to file a Consumer Financial Protection Bureau complaint against your client. Thank you for your kind attention. 

We want the bank to process our loan modification. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have had a XXXX XXXX  XXXX account which is not using for more than XXXX  years. I have used that card just XXXX time, buying something on-line with amount of {$100.00} the amount that I paid full within XXXX weeks. I never never used anymore the card. 
Without any notification I received a mail 2 days ago that notified me that I owed {$340.00} then they put me on collection. 
Could you, please, make your verifications, research, and fix the problem. I can not handle this issue. Let me confirm XXXX more time I never, ever, never used the card. 

Thanks and Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XXXX XXXX 2022, I checked my account through synchrony bank for XXXX XXXX and discovered my account credit limit decreased from {$2200.00} to {$1600.00}. Now that might not seem like alot to some but to me and my husband who have other bills to worry about it is. I have been in good standing on this account since it opened. I have made good payments on this account. When I asked the company about why they did this as I got no warning notice at all of this, their response was they pulled a credit check and decided to lower my limit based on that. Now I have had credit cards thru other companies and they NEVER pulled a credit check after I was a established customer. This baffled me that synchrony did this. Then they had the audacity to lie about my credit score stating it was XXXX points lower than my report actually said and stated their decision was on the basis I lacked any mortgage history. I didn't even have a mortgage when I opened the account with the above stated credit limit. They obviously didn't care about it then so why now? Now because they did this my score decreased XXXX points, My card is almost maxed out and my minimum payment went up to where I can no longer afford to pay it along with other bills. Their customer service rep was very rude and unhelpful. I can not even believe what they did was legal yet their rep said it was and they are protected by their policy. They claim a letter was mailed to me XXXX XXXX but I never received said letter. 


Thank you for any help given.

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 2022-11-16 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation