vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to Transunion. These accounts have deducted over XXXX points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.

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 2022-01-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the JPMCB HOME accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB HOME XXXX, JPMCB HOME XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite the multiple previous written requests, the XXXX item listed below still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX  to Transunion. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.

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 2022-01-19 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: NY

Complaint narrative:
XXXX is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to XXXX. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.

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 2022-01-19 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: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor 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 2022-01-19 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: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Original Creditor : 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 explanation
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-01-19 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: CA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Was offered {$300.00} to open an account with a minimum of {$1500.00} after 90 days. Did not get bonus after making deposit.

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 2022-01-19 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:
XXXX is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plus, XXXX XXXX and XXXX XXXX should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX  and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and 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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo failed to address issues and questions presented in a previous CFPB complaint. Generally, it concerns a failure of Wells Fargo to communicate information related to mortgage modification options and past principal/interest calculations. Please see attached letter for more details.

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 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX US DEPT ED 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 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX 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 explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : 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 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
Deposited a {$1400.00} check from my school on XX/XX/XXXX. The bank made {$220.00} immediately available after the deposit and claimed the rest would be available the following Business Day. I went to a store and made a purchase then took a cab home. A couple hours after I got home the bank withdrew all of the {$220.00} plus the money I had in my account before the check was deposited sending me into overdraft. The bank then said after me calling them 10 times that I had been lied to and it was 7 Days because of the check amount. They're trying to refer to the United States Federal Reserve 's Expedited Funds Availability Act of XXXX amended in XXXX to clarify wording. The act states the check most be not less than {$5000.00}, the issuing bank must declare doubtful collectability and notification of such provided, balance of account low or overdrawn, new account ( Mines a year old ), check is posted, or the check is 6 months old or older. None of those apply so they are subject to a maximum of a two day hold under the act not 7.

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 2022-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried several times to get these fraudulent accounts off my report with no avail. Sent out verification letters and all them send back is a copy of my report with no deletions or verifiable info. I would like to get the following items removed from my report and from there site completely. 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 explanation