vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: One on One Mortgage loans, inc
State: FL

Complaint narrative:
To Whom It May Concern, Five months ago I made an application for a mortgage with a broker. Now broker is trying to make me pay more than I declared and I have on closing.

1 ) Even though I do not have sufficient funds in my bank account for down payment, ( My documents sum up to {$170.00} at the bank ) the broker managed to get an approval which I won't be able to pay for closing. ( {$190.00} is required ) Under normal conditions the loan should be declined due to insufficient funds.

2 ) On the loan pre approval process, broker did not request any documents except an " Employment Information '' ( Attached ) 3 ) Broker did not asked for my expenses so loan monthly payments were shaped based on my gross salary which I won't be able to pay if my net salary is taken into account. 

The house is intended to be bought is on construction and the construction company does not consider it even if this mortgage is approved based on wrong financial information. 
Construction company and lender is expecting me to pay the down payment which I never declared and does not exist. 
Also, I did not sign the mortgage documents and lender is threatening me to loose the deposit that was given to construction company. 

Thank you for your support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXXL XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XX/XX/XXXX such authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Attempted to purchase a stroller on XXXX  and seller said payment could not be processed through the app. Requested Zelle payment. Zelle payment attempted however XXXX XXXX XXXX blocked the zelle payment and then locked all my chase accounts. 
I called XXXX XXXX XXXX to find out why my account had been locked. They stated that the seller 's zelle had been marked for fraudulent activity. They asked if I would like the zelle payment to go through. I told them NO and to cancel the zelle payment. The agent stated the zelle payment was cancelled and would re-activate my account! 
Once my account was reactivated, I looked at my account summary. In my account summary the unauthorized charge had gone through The charge amount {$400.00} Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3200.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..XXXX  employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report 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 explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C 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 2022-11-07 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: GA

Complaint narrative:
The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On the XXXX channel XXXX XXXX I got a comment saying that I have been selected by the channel for a give away. I was given instruction to move to XXXX  XXXX XXXXXXXX where then I was asked to provide information about where I live so they can shop the XXXX XXXX that I have as a giveaway and then a picture of myself and my phone number. Then I was asked to pay XXXX dollars for shipping fees through XXXX  in the app of bank of america  to XXXX registered under XXXX XXXX. Then they said if I don't pay additional XXXX $ to clear the fees then my prize will be canceled without the possibility of receiving back the XXXX dollars paid. That's when I knew it was a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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 would like you guys to remove these inquiries that was placed fraudulently on my credit report because it is hurting my credit score. 

Acc name : XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX  XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX XXXX inquiry date : XX/XX/XXXX Thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid off my account at the end of XX/XX/2022. I noticed my credit report still lists a large balance for the past several months. I've asked the company, XXXX XXXX to update it and they have refused saying they are going through a system update and are not updating to the credit bureaus at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: VA

Complaint narrative:
I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX XXXX  I would be filing a complaint. I will give you 30 days to respond back 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 explanation