vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Started the mortgage assumption process 4 months ago with Wells Fargo. At the beginning I was told it would be 2 months, it is now 4 months and they can't give a date. The representative keeps telling me how busy and short staffed they are. She said it XXXX be another 2 months, but there is nothing definite. I had been conditionally approved. But I think due to the time, I will have to resend everything all over again. I believe it is all in an effort to have me give up.

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 2024-09-23 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 2024-09-23 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 2024-09-24 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:
Upon reviewing my credit report, I noticed that inaccurate information remains despite multiple attempts to correct it. The credit bureaus, TransUnion, XXXX, and XXXX, have continued to verify this inaccurate information as accurate, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. I have attached proof that demonstrates the information is not accurate.

This repeated verification of incorrect information violates my rights as a consumer. Under the FCRA, you are required to conduct a reasonable investigation and remove inaccurate or unverifiable information from my credit report. Failure to do so has caused harm to my credit standing, and I demand that this inaccurate information be removed immediately. 

Please refer to the attached documentation for further proof of the inaccuracies. I expect this erroneous information to be removed from my credit report, in compliance with the FCRA, to ensure my report reflects accurate and fair data.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I was a victim of identity theft through an employment scam that stole all my information. I then received inquiries I did not make on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
To TransUnion and XXXX I am bringing to your attention inaccuracies on my credit report that have been improperly verified as accurate, despite providing sufficient evidence to the contrary. Attached is proof showing that the information you continue to report is incorrect. Your failure to correct these errors after Ive notified you is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable reinvestigation, and section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that you maintain maximum possible accuracy in the information you report. 

Given these clear violations, I request that you promptly remove the inaccurate information from my credit report. I expect this to be handled urgently and in compliance with the FCRA. 

Thank you for your immediate attention to this matter.

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 2024-09-23 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: NE

Complaint narrative:
XXXX XXXX states and reports that I owe on a business credit card. I have had numerous investigations opened through them, all of which they close with minimal investigating. I recently reported them through CFBP and it was closed with fraudulent information. They state that the account in which paid the card was a joint account which is inaccurate. I was an authorized signer on it as it belong to my ex spouse but I was still not the owner of the account or ever affiliated with XXXX XXXX XXXX XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and XXXX XXXX. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to XXXX, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX {$15000.00} ( Repossession ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX- {$940.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing evidence and documentation to support my claims, XXXX has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and XXXX XXXX must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like XXXX to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and XXXX XXXX. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to XXXX, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX- {$950.00} XXXX XXXX {$15000.00} ( Repossession ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX {$280.00} In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing evidence and documentation to support my claims, XXXX has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and XXXX XXXX must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like XXXX to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: B9, Inc.
State: NE

Complaint narrative:
On XXXX XXXX, XXXX, I contacted B9 regarding a pre-authorized transaction for ** $ XXXX from XXXX that was never charged to my account. XXXX confirmed that the transaction was declined and no funds were taken from my account. Despite this, B9 continues to hold the amount as pending and refuses to release the funds. I have repeatedly contacted B9, provided screenshots of my bank statements, and submitted evidence from XXXX confirming that no funds were withdrawn. However, B9 has maintained that the transaction is still pending and will not be resolved until XXXX XXXX, XXXX. 

This delay has caused significant financial stress, as I rely on access to my full account balance. I believe B9 is unnecessarily holding pre-authorized funds and engaging in practices that might involve gaining interest on customer balances, which raises concerns about their business conduct. Despite multiple requests, their customer service has failed to provide a valid explanation for why the funds can not be released immediately, especially given that the transaction was never processed. 

**Key Issues : ** - B9 is holding funds for a transaction that was never processed. 
- XXXX has confirmed that no funds were taken, yet B9 refuses to release the money. 
- B9 has ignored multiple requests for escalation or prompt resolution. 
- B9 has provided inconsistent timelines, claiming the issue will not be resolved until XXXX XXXX, XXXX, with no valid reason for this delay. 

-- - **Desired Resolution : ** - Immediate release of the ** $ XXXX to my account. 
- An investigation into B9s handling of pre-authorized transactions and delays in refunds. 
- Assurance that B9 will discontinue the practice of holding funds without proper justification. 

-- - **Supporting Documentation : ** - Screenshots of communication with XXXX XXXX confirming no funds were taken. 
- Screenshots of conversations with B9 customer service. 
- Screenshots of my account balance and the pending transaction in B9s system showing no processed charge. 

-- - I am requesting that the CFPB investigate this matter to ensure B9 is held accountable for its actions and to prevent further financial harm to consumers. Also please look into the amount fees they charge people it's criminal that they cam get away with charging people fees that outrageous for everything. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize these accounts. I am a victim of Identity theft which could be due to the data breaches that occurred and also having my ID stolen from my mailbox. I have attached a notarized Affidavit, FTC report, and a dispute letter. Please review the documents and remove these accounts from my credit report within 4 business days per 15 USC 1681c-2 c ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
On XX/XX/year>, I initiated an XXXX transfer from XXXX XXXX that had $ XXXX cash to my account at Robinhood. Robinhood reported the transfer complete but only reported a DEBIT of {$49.00}, reversing the intent of the transfer in. They have told me wrongly that I would have to perform another transfer request, which XXXX XXXX said wouldn't work as they are holding the funds under the previous transfer request until Robinhood accepts it. Robinhood seems completely confused and clueless about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: OK

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I had my tax return taken for a default in payment. My address changed - nothing was sent to me by email. The payment made was not reflected on my account and the information was not provided. I was in a forbearance collecting interest for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation