vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I changed my llegal name on 2019 and I reported to all my bank and credit card companies, recently I found out only Equifax doesn't update report from my bank and they can't fix it right away and my records was still old name and old information stop on 2019, others 2 companies sach as transfer union has my all information updated. 
Because my loan officer can't pull out my records from Equifax so I can't get loan approval. 

I don't why I have to use this company as necessary credit report to approv loan because Equifax can't even handle the right information for me or others ( credit company told me they got same situation from others customers ) If I'm not trying to get loan approval I won't ever know this problem but know I can't get approval because them!! 

I'm hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2022-05-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

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 2022-05-04 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXX XXXX XXXXL XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX  XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: IN

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}

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 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}

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 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

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 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-05-04 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:
I previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted 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 2022-05-04 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: TX

Complaint narrative:
Back in XXXX I had 2 credit cards with XXXX  XXXX. My first card was a XXXX credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called XXXX XXXX and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to midnight and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let XXXX XXXX keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian Information Services has violated my rights.

15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, On XX/XX/2022 I called Experian to dispute personal information on my credit report. I disputed incorrect names, addresses and credit inquiries. The name XXXX XXXX I specifically disputed this name as this is a family member and I do not want her information merging with my credit report. Im requesting a Experian Dispute Specialist listen to the call to confirm that I did in fact request for this item to be removed from my report.

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 2022-05-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-05-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}

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 2022-05-04 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: HI

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As an XXXX woman, I was deeply frustrated by the XXXX discrimination that I encountered with the underwriting team at Wells Fargo. On XX/XX/2022, I applied for a mortgage with Wells Fargo. After checking the credit scores, income and assets of both me and my husband, my loan agent XXXX XXXX locked my rate at 3.375 %. XXXX consulted with his manager XXXX XXXX and confirmed that they'll use my husband 's credits for the loan ( my credit is XXXX and my husband is XXXX ) because he is the primary earner. On XX/XX/XXXX, XXXX told me that the underwriter refused to honor the locked rate and increase our rate to 3.75 %. After continuous fighting with the underwriter and after I deposited $ XXXX fund to Wells Fargo, they revised my rates to 3.5 %, which is still higher than the rates that I locked. I was told by XXXX that the underwriter didn't want to approve my loan because rates have gone up so fast that " nobody wants to lose money ''. 

I was contingently approved by Wells Fargo on XX/XX/2022. They asked me to provide sourcing information of XXXX foreign transfers despite of the fact that I don't need the XXXX foreign transfers for down payment. In order to close on time, I provided them with gift letters and bank statements of the foreign accounts despite of the fact the foreign transfers are not part of the transaction. The underwriter wrote in an email that " with funds from XXXX, there is the additional concern of structuring to circumvent international law ''. The accusation with no proof is deeply troubling. The underwriters kept questioning my parents bank statements even though they've received gift letters and 2 month of statements from my parents. Ive confirmed with them multiple times that that I dont need the foreign transfers for the down payment and the fact that I have {$250000.00} with Wells Fargo that can be used for down payment but is not needed. 

My loan agent told me that with our income, credits and down payment, we wont have a problem getting a loan from any other bank other than Wells Fargo. He suggested me to move on to other banks and agreed that the underwriting team is unreasonable with me. With the rising interest rate environment, the 30-year interest rate is north of 5 % instead of 3.75 % that I locked one month ago. In addition to the financial loss, as a new mom, Im emotionally XXXX as a result of the process. My loan agent knew that I was offered better rates by XXXX and XXXX  XXXX XXXX when I shopped rates in early XXXX. I chose Wells Fargo as my lender due to the trust I placed with the bank. However, Wells Fargo failed me because they evaluate loans based on race and sex instead of based on personal qualifications of credit and income.

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 monetary relief
Consumer complaint received 2022-05-04 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:
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 about 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 non-monetary relief