vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year>, Wells Fargo asked me to close my account by bringing my account balance to zero because I was a non-resident. However, I was prevented from transferring my money out of this account to my other USD bank account because of non-resident accountholder restrictions. Wells Fargo XXXX assistance said they would send me a check instead. I explained that my XXXX bank was no longer accepting USD checks and requested that payment be made electronically to my nominated USD account. No check was received, nor any transfer to my nominated USD account. I reiterated my request to Wells Fargo by later telephone, but they were unable to help as they could not find a specialist to assist. I re-submitted my request in writing to Wells Fargo with nominated account details via my Wells Fargo online banking portal. On XX/XX/year>, the balance of my savings account was reduced to XXXX  with no explanation or advice from Wells Fargo as to where this money disappeared. Wells Fargo has closed my online banking portal and is unable to explain by telephone where the money went or why it was not transferred to my electronic account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have reviewed my XXXX & XXXX XXXX  no report which is where I noticed a unauthorized account and I see it as fraudulent & demand it be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please help me the following does not belong to me/ is inaccurate account type : collection account name : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please help me the following does not belong to me/ is inaccurate account type : collection account name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with XXXX XXXX XXXX, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

XXXX XXXX XXXX ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section XXXX ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule XXXX, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
The mortgage company was is guilty of dual tracking. They clearly told me my home was not in foreclosure through XXXX XXXX 2024. They were also discussing the possibility even Modifying my loan. They immediately forwarded my loan to their foreclosure attorney while in active Forbearance.

This is clearly dual tracking. My home has equity and the are attempting to foreclosure so that I will lose my equity and my home. Frank Dodd act protects homeowners from this type of abuse.

I also mailed a QWR and sent a notice of error in XX/XX/scrub> 2024. The have refused to respond to either document. I sent a notice of default XX/XX/scrub> 2024 and they havent responded. I informed them that this was against Federal Law to be working with a homeowner on modification and forbearance and Simultaneously starting foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello my name is XXXX XXXX again we need the online banking access to be unlocked or undisable and and XXXX access to be restored My username is XXXX and I also need you to see if you can get the verify in branch in person restrictions or any blocks or restrictions and statements removed off my account for me so I don't have to keep going to banks for help and with id and also get the security verification removed off my account or disable it so when I call in or when they transfer me to any Wells Fargo department they won't sometime ask for my phone number to send me a text code to fully pull my account up by debit card number or my account number sometime they do ask for a security code by text message and sometimes they don't or fix it so they don't ask when I call in a lot or sometimes when I call in they don't ask for it and sometime they do etc please and please also remove any past flags or new flags or current flags on the account or any statement or what is keeping giving me verified in branch on my account please so when I call in or get transferred they dont verify me in the branch or ask me for a code by text or ask me for my phone number when I give out my account number or debit card number they straight instantly help me when I already verify my self over the the automatic phone system before agent or call in and talk to the agent and give them my account number or debit card number they dont ask for my birthday or phone number or last XXXX of my ssn they just straight help me and remove the fraudulent alert on my account and remove anything other thing that keeping getting me verified in branch before help or verification by text code and keep getting my online bank access locked out or disable etc you have to call this number for the online banking lock out at XXXX and call this number for the XXXX to get my access unrestricted or restored at XXXX etc. XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Sagestream, XXXX, & XXXX continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I overpaid my last account balance and now my account shows I am owed a credit of ( - ) {$2600.00}. I called customer service to request a refund of this overpayment on XX/XX/24 but was denied this request. The customer service rep stated that because of a pending dispute, they could not refund me MY money since Synchrony put up the temporary funds until the dispute is resolved. FALSE. Synchrony is using MY money to temporarily credit a disputed case, not the bank 's money as required. And with them dragging their feet on resolving this dispute ( I sent in all the evidence needed yet still no resolution ), I am losing interest on this significant sum on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required XXXX  Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the XXXX  report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Transunion. Under the 15 US Code 1692 -C ( Ceasing communications ) Transunion is violating my rights by reporting the following items. 

XXXX. XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX - Account XXXX XXXX. XXXX XXXX - Account XXXX XXXX. XXXX- Account XXXX Please have Trans-Union remove these immediately as it is a violation of Federal law 15 US Code 1692 - C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting a complaint concerning an unauthorized hard inquiry conducted by XXXX XXXX Bank on XX/XX/year>. This inquiry was recorded on my credit report without my consent or approval. 

I have neither applied for credit nor engaged in any transactions with XXXX XXXX Bank that would justify a hard inquiry on my credit report. This unwarranted inquiry has adversely impacted my credit score and my financial reputation. 

Furthermore, I have included Identity Theft Affidavit # XXXX to substantiate my claim. 

I urge an immediate investigation into this issue and demand that XXXX XXXX Bank expunge the unauthorized inquiry from my credit report without delay. 

I appreciate your immediate attention to this matter. Should you need any additional information, please contact 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with XXXX XXXX XXXX, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

XXXX XXXX XXXX ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section XXXX ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule XXXX, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: GA

Complaint narrative:
XXXX, XXXX, & CoreLogic continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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