vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Credit Card Services Failed to send The requested original signature of the delinquent account they are abusively reporting to the major credit companies as requested. neither has the credit bureaus responded to any dispute letters. 

The Customer service agent XXXX has said there was no record of this account AFTER speaking with the wells fargo advocacy team. 

Here is the recorded conversation proving they have violated all of my rights as a customer. 

Please have them delete this debt for failing to provide the original signature.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( ALLY XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-12-07 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: VA

Complaint narrative:
XXXX  is reporting inaccurate information on my consumer report along with Equifax without my consent I have. they are furnishing my report and it is causing me harm when it comes to my financial goals, physical health and mental health. per the law it is illegal for them to furnish my report without my consent. they claim that I owe them XXXX dollars without any proof and I need them to remove this off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone took a loan out from XXXX using my name and opened a bank account at Bank of America somewhere around XXXX XXXX. I reported to the police waiting on report have a incident number. I reported it to BoA and received a claim number and put the account on hold.Reported to XXXX XXXX and they told me I have XXXX days to pay monies back or it will reflect poorly on my credit report and I have XXXX days to pay it back or I will be paying interest.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
DEAR CFPB ; XXXX ; EQUIFAX ; AND XXXX ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
During XX/XX/2022 I refinanced my house and Suntrust administered the mortgage. At the time the mortgage was taken out, my mobile number was XXXX, and my email address was XXXX. Neither my mobile telephone number nor my e-mail address have changed. 

I then received emails notifying me that Suntrust had become TRUIST. 

On or before XX/XX/2022, I changed my address of record by logging into my mortgage account online with TRUIST to my current address which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022, the mortgage balance was paid in full. 

On XX/XX/2022, I called TRUIST to inquire about my escrow funds. The person I spoke with said the funds were sent to my old address where I no longer live, and that they did not have my email address or my mobile number that had been provided at the time I took out the mortgage. 

I asked TRUIST to place a stop pay on the escrow check and send it to me at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and again provided that address a second time by telephone. 

To date, I have not received my escrow funds that are more than {$10000.00}, nor has anyone at TRUIST attempted to contact me to tell me the status of why I have not received these funds.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
For several months credit card companies have not updated their information to Trans Union XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
For several months credit card companies have not updated their information to XXXX XXXX XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
For several months credit card companies have not updated their information to XXXX XXXX XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to Transunion to have these unknown inquires removed. This inquires are not listed on my XXXX report or my XXXX report. I asked that these inquires be investigated. I have not received a response nor have the companies provided proof that I authorized these inquires. The request to have this information removed has been well over 90 days. 

I will attach my report from XXXX, and XXXX so you can see that these were not authorized as the do not show on my other reports. Neither company has provided written documentation that I approved these inquires.

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 2022-12-07 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:
As stated on equifax If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, XXXX, and Equifax to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my Equifax report it only shows XXXX inquiry because it was done within the timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
As stated on XXXX If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX  days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, Experian, and XXXX to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my XXXX report it only shows XXXX inquiry because it was done within the timeframe.

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 2022-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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
Consumer complaint received 2022-12-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I consumer XXXX XXXX, have been discriminated against pursuant to the Equal Credit Opportunity Act which is Regulation B by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX have communicated with TRANSUNION my personal nonpublic information without my consent. XXXX XXXX XXXX XXXX has denied myself the applicant an extension of credit that I applied for claiming that I had a low credit score and delinquencies that caused my denial of my credit. There is no law that requires a score or that any score exist in reference to denying me credit. This have caused the applicant grave discouragement applying for credit in believing that I need a high score to receive my credit. This is a violation of Regulation B. XXXX XXXX XXXX XXXX also has not given the initial terms of the application to the applicant in order for the applicant to send a counter off. XXXX XXXX XXXX XXXX must let me review my private information before they commit adverse action against the applicant to make sure all my information being used is fair and accurate. This is a violation of the Fair Credit Reporting Act as well. My information must not be communicated unless given consent by the consumer before reporting such information. I have been injured by 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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is a complaint for XXXX on the basis of National origin, Ethnicity, Gender, perceived religion and creed. 


On XX/XX/XXXX, I opened a credit card account with Citizens Bank, with a credit limit of {$2000.00}. 

I made my payment on time and the account was in good standing. 


On XX/XX/XXXX, I thoought to bring the balance down for XXXX reasons. I had to make urgent purchases on line and to improve my credit score, as well. 

I made a payment of {$500.00} at the branch teller, to bring the balance from {$2000.00} to {$1500.00}. 

The next day, on XX/XX/XXXX, I tried to use the card for my urgent in line purchases, but the card declined however. 


I suppose to have {$500.00} available credit on my card to use. I called the bank to find out the reason for the declined transactions. 


The bank customer service informed me that my credit limit has been decreased by the same amount I just paid {$500.00}. 

The bank decreased my credit limit from {$2000.00} to {$1500.00}. This way the card is over the limit and will hurt my credit  score. 


Although, my account was in good standing and {$500.00} ander the limit. The bank reduced the credit limit without notice. The very next day I made the payment. 


The bank intentionally damaged my credit score and put me in financial hardship. Because, the {$500.00} payment was meant for urgent purchases. 

But, the {$500.00} disappeared by the bank XXXX  and XXXX action to reduce my credit limit without any valid reason at all. 


I have made a complaint with the bank chairman office. But all my complaints were ignored, however. 


It seems that their business culture is to cover any wrong doing, XXXX, and XXXX  conduct. 


I hope your office will fairly assist in this complaint and refer my XXXX  complaint to the appropriate state and federal agencies to impartially investigate my complaint. 

===========

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Denefits LLC
State: IL

Complaint narrative:
I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
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 XXXX ( 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 XXXXXXXX XXXX XXXX XXXXnd 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 explanation