vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-06 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: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) Wells Fargo reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

Wells Fargo did an injustice to me by reporting my agreed payments as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, these agencies have 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 an account without my written instructions. 
TransUnion violations : Closed account, XXXX XXXX # XXXX XXXX XXXX. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XXXX XXXX  XXXX XXXX. 

XXXX Closed accounts : XXXX  XXXX, XXXX XXXX with 2 accounts and XXXX  Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.

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 2022-06-06 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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

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

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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I'm being held back from a judgement on ( 1 ) credit reporting agency. XXXX is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for XXXX to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, Plant Home Lending has inaccurate information on my credit profile and its impacting my livelihood. I spoke with XXXX and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-06 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: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-06 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been a victim of Identity Theft and sent the police report in to both the creditor and the credit bureaus. I'm writing this in hopes to have the creditors and the bureaus to protect the Consumer Laws FCRA. In which mine have been violated by continuing to report inaccurate information and information that was fraud. I'm asking for both companies to investigate and provide proof that I signed any agreement with my signature. I am writing to request the method of verification for dispute initiated on XX/XX/2022 and the subsequent response received on XX/XX/2022 enclosed with this letter. 

Re : { dispute_item_and_explanation } [ Manually modify this line when you're in the final step of the dispute wizard ( editor page ) ] Please send the following information used to verify the validity of 1. XXXX XX/XX/XXXX 2 .XX/XX/XXXX 3XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA XXXX Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

I've also filed a complaint with the FTC as well.

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 2022-06-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, Santander charged a " Monthly Fee '' from XXXX to XXXX for a total of {$30.00} to my checking account. I called Santander on XXXX to dispute this charge because it's never happened before. I spoke to a representative that said they could do a " courtesy '' by waiving this fee but stated the reason was because I was required to hold a total of a {$20000.00} balance in order to avoid the fee. Considering I had a " {$0.00} '' balance since my last HELOC was satisfied in XXXX, a recurring monthly fee of {$30.00} was never charged to my account. I asked the representative if the criteria changed w/my checking account without me knowing. She said it did not, but proceeded to tell me the {$20000.00} requirement. She failed to answer my logical question on what happened for the past 5 years prior to using it again to pay on a PSL, and the fee was NEVER deducted. She said nothing changed, agreed to waive the {$30.00}, but then said, " now you have been informed of the requirement of holding a {$20000.00} balance to avoid future fees, {$30.00} will be the monthly fee ''. This is an outright UDAAP, and I told her so. This is EXTREMELY deceptive, and makes absolutely no sense, nor did the lack of assistance from the CSR I was dealing with. While she said she understood what I was asking, she continued to say nothing changed with my account ( if nothing changed, why was I never charged this fee before ), and " NOW THAT I KNOW THAT $ XXXX is required, as long as I don't hold that level of balance, I WILL BE CHARGED a $ 30 monthly fee ''. This is the comment that influenced this complaint submission.

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA closed dispute on XXXX and failed to update system, not allowing account to close and allowed my abuser to have access to the accounts even with a copy of the domestic violence order. They failed to remove me from his account, with my signature and had a copy of his poa and called him several times. They were made aware, he used my cards, and then failed to pay for bills. Making accounts negative and holding me liable. These practices resulted in USAAs failure to adequately address the unauthorized or incorrect transactions, as is required by law. They also detached our auto insurance and didnt notify me that the service member did so because we are separated but legally still married. They were aware he was take. XXXX and did nothing to prevent it. They also called my abuser several times which put me in jeopardy of my order of no contact because they contacted him when no one can call on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account XXXX XXXX has violated my rights. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-06-06 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:
In accordance with the Fair Credit Reporting act XX/XX/XXXX, these agencies have 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 an account without my written instructions. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXXand XXXX Equifax closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

XXXX Closed accounts :XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts andXX/XX/XXXX Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, these agencies have 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 an account without my written instructions. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

Experian Closed accounts : XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts and XX/XX/XXXXPlease remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.

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 2022-06-06 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION
State: GA

Complaint narrative:
Promised Credit Revoked XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Application Expiration by Van Dyke After forwarding the contract on the new home purchase, my lender ( XXXX XXXX ) proceeded to lock in the interest rate. He then told me that my application had expired and he could not lock in the rate because he would have to run my credit. XXXX knew I kept a credit freeze on my accounts and that it takes time to lift a freeze. XXXX said he was leaving for the day and he would have to handle that evening. I contacted XXXX that evening because my credit had not been accessed. He said it was still frozen, to which I sent him the confirmation lift ; the freeze had been lifted for hours. He then proceeded to run my credit. According to XXXX the market had two increases that day and I was charged {$3000.00} in points due to this mistake of Van Dyke which was {$620.00} more than the previous quote of {$2300.00} in points. I contend that it was the companies responsibility to monitor my credit application status with their company and I should not have been charged more because they mishandled my application. 


XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation