vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$77000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express reduced my credit limit from {$10000.00} to {$2400.00} in XXXX XXXX. This action ruined my credit score and Im still being affected by it 6 months later. The reason in their message sent to me on XXXXXX/XX/year> was after a recent review, your credit limit has changed. 
I always made my payments on time and to this day Ive never been late with payments on any credit cards, but because of Amexs sudden and drastic action my credit score fell XXXX points and made my other credit card companies panic & lower my credit limit. 
I got cash advances from Amex while I was studying for a professional exam to get back to my higher paying professional career. I passed my exam and got a high paying job but Im still poor because I pay hundreds of dollars of interest every month and all my paychecks goes to paying bills. This is all because of American Express ruining my credit. No bank gives me 0 % transfer cards so that I can pay off my debt. All my cards are 29.99 % interest same as Am Ex. Ive paid American Express all my payments on time and at least {$500.00} in interest at 29.99 % rate so they made money off of me while they ruined my credit and made me lose so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX Account # XXXX. Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. This account is on automatic draft and no payments have been missed. I am trying to get a home for me and my family and these late payments are causing me to be denied and in cases that I am approved with an extremely HIGH interest rate. See attached Consumer law attached

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 2024-05-22 00:00:00
Product: Credit reporting 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:
XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX XXXX Fail to Rebut the Affidavit Sent in Complaint Filed XXXX Failure to rebut an Affidavit after 30 days is deemed forfeited and the Affidavit now Stands as Fact Per Rule 56 Summary Judgement. 

Per 15 USC 1692g XXXX, XXXX, and Transunion are hosting false information on my consumer report. This has caused great financial hardship and has caused me to lose many valuable opportunities and so much time with family and friends. 

I have been gravely injured and I request a settlement in the form of a check paid to XXXX XXXX and for the items listed in the Affidavit as negative by request of 15 USC 1692g to be DELETED off my Consumer Report, For I did not consent to authorize nor benefit from the listed accounts.

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 2024-05-22 00:00:00
Product: Credit reporting 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:
XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX Equifax Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX Equifax Fail to Rebut the Affidavit Sent in Complaint Filed XXXX Failure to rebut an Affidavit after 30 days is deemed forfeited and the Affidavit now Stands as Fact Per Rule 56 Summary Judgement. 

Per 15 USC 1692g XXXX, Equifax, and XXXX are hosting false information on my consumer report. This has caused great financial hardship and has caused me to lose many valuable opportunities and so much time with family and friends. 

I have been gravely injured and I request a settlement in the form of a check paid to XXXX XXXX and for the items listed in the Affidavit as negative by request of 15 USC 1692g to be DELETED off my Consumer Report, For I did not consent to authorize nor benefit from the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I called TransUnion to get my credit report on XX/XX/year>. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that TransUnion is in violation of the FCRA.

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 2024-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. I was going through my records & noticed items which do not belong to me were still in my credit report. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to mistaken credit reporting. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly remove these inquiries. I am unaware of this issue, and the company acted without my permission.

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 2024-05-22 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: FL

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 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I had my phone, wallet, and other expensive personal items stolen in XXXX, XXXX. Afterwards, the theft immediately hacked into all of my personal banking and stock trading accounts while also using my credit cards / debit cards as soon as possible. They also hacked into my personal email and iCloud accounts, preventing me from receiving important SMS codes or emails to recover my financial accounts. I have been successful with most of my banks and credit cards, but I have not been successful with Wells Fargo and XXXX. 

With Wells Fargo, I reported to them immediately after the incident ( XX/XX/XXXX ) that my debit card was stolen and my account was hacked. I had over {$10000.00} USD in my account. The fraud report was submitted but I was denied. One of the customer service representatives informed me that I needed to go to a US Wells Fargo branch to verify my identity, but I was very busy with my new restaurant I opened in XXXX at the time which prevented me from travelling for a while. The earliest I could travel was in XX/XX/XXXX. I visited a branch in XXXX, where the representative informed me that identity verification wasn't required and I simply had to resubmit the fraud claim including my police report, which I did immediately. After filing the new claim, I received a phone call long after I provided the report around XX/XX/XXXX. The claim was escalated to the Executive Office and a member called me reporting that my claim was denied since it's been 180 days after submission. I find this response astounding since I had challenges traveling to the US and I later found out through the branch representative that an identity verification in-person was not even required! If an identity verification was not required in-person, I could have handled everything remotely without having to pay for a plane ticket and hotel accommodation just to simply handle this request. 

I feel misled by Wells Fargo 's representatives and now my account has been completely zeroed out by the thieves with nothing returned 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
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and Flagstar approved me for for an affordable loan modification but the payment was {$7000.00} per month. My original mortgage payment was {$3000.00} per month and while I knew the payment would increase I never thought it would more than double. They knew that I would not be able to make such a payment so the modification was a bad faith attempt from flagstar to capture my property through foreclosure. They would not negotiate until I reported them to the Consumer Financial Protection Bureau ( CFPB ). They promised to send a new more Affordable modification payment but they never sent the updated contract/agreement. 
Instead they made me continuously apply for modifications requesting more and more documentation as if they forgot that they already approved me and THEY WERE SUPPOSED TO SIMPLY SEND ME A NEW CONTRACT WITH A LOWERED PAYMENT. 
My property has a new scheduled foreclosure sale date for XX/XX/year>. I have no new modification agreement although they promised me XXXX. 
On XX/XX/year> FLAGSTAR Bank sent me a letter with a Single Point of Contact person by the name of XXXX XXXX, that would supposedly help me to get my modification in order. Ive called her to no avail and have now been told that there is No Such person working in the Flagstar Loss Mitigation Department! The Bad Faith and now Fraud continues to plague the whole process of me keeping my home! 
After realizing that I was being defrauded and distracted while the XX/XX/XXXX Foreclosure sale date nears, I sent In a new modification application on XX/XX/XXXX which they claimed can not be processed because its less than XXXX until foreclosure sale- although I was already approved? 
My home is currently in jeopardy because of XXXX intent to continuously use deceptive practices to take my home. They are using Elder Financial Abuse tactics and I need help!

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Innovis is alleging I was late in the account listed as XXXX XXXX  Innovis has no first hand knowledge of this. I filed a complaint previously asking for evidence that is being used to validate this information. I was forwarded no response or evidence. This is my final attempt to get this resolved before initiating legal proceedings.

Company response to consumer: Closed with non-monetary relief