vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again

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 2024-02-23 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: NV

Complaint narrative:
Despite my persistent efforts, the issues at hand remain unresolved. Your firm 's response to my letter sent to the credit bureaus suggests that my request for verification of inaccuracies on my report is considered " frivolous '' or " irrelevant. '' It is important to clarify that I do not regard a matter of such significance to me as frivolous or irrelevant. Should my original request to verify the items outlined in my previous certified mail be ignored, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Therefore, a comprehensive reevaluation of the following information is necessary. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. If such evidence is not provided, I insist on the swift removal of these items from the 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid off several items on my credit report in order to build my credit score and Experian is still keeping my credit score low, but it shows on my report that I have been paying off debt and paying on time payments, but my score is still low and no progress whatsoever. I called Experian on XX/XX/2024 and spoke directly with a Supervisor whom admitted to me that they were had a problem correcting my credit score and that he would take care of the problem and that my updated score will take 48-72 hours to reflect a higher score on my credit and it has now been 5 exact business days 120 hours later and nothing has changed, I feel discriminated against because I'm XXXX XXXX  and we always experience this type of mistreatment, I called XXXX  and am currently being placed on hold and hung up on by their customer service reps and another Supervisor keeps avoiding coming to the phone, finally someone name XXXX from the Fraud Department came to the phone. I never contacted them about anything concerning fraud but at this point I don't trust them and feel like I'm going to have a problem with my credit and identity.

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 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On my Rocket Mortage account I replaced an insurance company with a different one and canceled my escrow acct. With XXXX XXXX agent, we verified everything was in order. The old insurance was cancelled on XX/XX/XXXX and I received all of the forms from Rocket Mortage verifying that escrow was closed and new insurance was in place. On XX/XX/XXXX as always I called to have funds moved from my bank to Rocket. The amount quoted was with the old insurance included. I asked for assistance in getting the extra amount removed. I got no help, so I asked for a manager. I was told someone would call me in 48 to 72 hrs. I did not receive a call or message. My smart phone would alert me of a missed call if the person was not in my contact list. So I know there was no attempt to reach me. 
On XX/XX/XXXX I made my normal payment of {$1000.00} and it was taken from my bank checking account. On XX/XX/XXXX I checked my Rocket account and to my surprise I found they showed my payment I made but they also showed I did not make my XXXX payment and it was past due? On XXXX I was told a person who tried to reach me in early XXXX was out of the office but he gave me her # and I left a message. I did not hear from her around XXXX so I called her. Was told she was on a call and would get back to me on the following Monday. I explained that was not satisfactory, so they put another person on the line with more lies. Directly after speaking with her, I received an email stating a late fee had been added to my acct. 
I do have all names and times if they will help. I can also send screenshots of everything that I have saved on my phone. 
Thanks Much for listening to me. I am XXXX on a fixed income and do not have extra to just be scammed out of. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/year> payment of {$300.00} not recognized XX/XX/year> email requesting payment unagle to log in each time I check my account and make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
I declared XXXX but did NOT include my mortgage with DovenXXXX financial. After XXXX  discharged, they noted my account on my credit profile as discharged in bankruptcy. This is inaccurate. This debt was never included. I worked hard to pay the debt as required so it WOULDNT be discharged. I have asked Doven, the credit union and the credit bureaus to correct this. No one will do so. Every dispute comes back without it being fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/year> : I called Citi XXXX  regarding a charge that was made on my credit card. The company who charged me was XXXX XXXX and it was for {$10000.00}. 

I explained to XXXX that this charge was completed under duress. I was forced to complete the purchase and sign the contract out of fear for my safety as well as the safety of my daughters. I was in XXXX and was held in an office for over two hours, separated from my daughters and told that if I did not complete the transaction, then I would spend the rest of my vacation in a court room explaining to a judge why I had committed fraud. It was all lies and power plays, but the fact was that I was in another country forced to remain in an office until I complied. 

An investigation was opened. 

XX/XX/year> : I received an email from XXXX stating that I was responsible for the charge and that the investigation was closed. 

I called XXXX and asked how/why they had come to this conclusion and I was told that it was because I had not provided enough documentation to prove that I had tried to cancel the purchase within the time allowed on the contract. 

I explained that I had not tried to cancel it. My reason for the dispute was that I was forced to complete a transaction under duress. My dispute has been reopened by Citi XXXX. 

Since then, I have submitted a formal request via email to XXXX XXXX to cancel my contract and return my money. They have not responded. 

I called Interval to see if XXXX XXXX had actually submitted my paperwork to be a member. I was told that there is no record in my name, my married name, or with my phone number. I asked for a written statement and was told to email them for that request. I emailed them and have not received a response. 

All of this is documented in the timeline I am attaching. 

XXXX XXXX needs to be addressed for their fraudulent tactics and Citi XXXX needs to do more to support their customers during a dispute. 

The card still has my married name, not my current legal name.

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 2024-02-23 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: MO

Complaint narrative:
The was XXXX sold to a third party an reporting as been verified who is it being verified they never sent the original contract an how I owe them

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 2024-02-23 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: NC

Complaint narrative:
In XXXX  0f XXXX, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX ( XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with Experian, XXXX and XXXX, all on XX/XX/2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called Experian and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, Experian, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.

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 2024-02-23 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: VA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Its been Soo long I dont remember exact dates I think it may have been in XXXX or XXXX but the account was in my name. They kept charging me over draft fees that was not supposed to be until the fees created a spiral effect on my acct until I just told them to close my account and I think I had to pay over {$1000.00} plus to clear up the matter bec I was buying a home and it was reported to the Credit Agencies

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 2024-02-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
LVNV Funding is the collector tbe original debt is from XXXX XXXXXXXX XXXX XXXXXXXX, states the debt is in the amount of {$620.00}, I have Zero knowledge of this debt and never signed a contract with LVNV funding or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
I bank with bank of America. On the XXXX XXXX XXXXXXXX, I mistakenly XXXX {$2000.00} to a wrong phone no.d phone no d money was XXXX to is XXXX belonging to a XXXX XXXX XXXX. I was suppose to XXXX XXXX money to XXXX XXXX XXXXI called my bank immediately for cancelation. But was told XXXX customer care service works Monday _Friday and they were already close. I went to my bank d next day Saturday XXXX XXXX. I was given d complaints dept phone no.I called on Monday d XXXX XXXX XXXX and explained to d associate i spoke with her name is XXXXshe told me that d bank will file a dispute claim and get in touch with d anti fraud department of d receiver bank. I was told it will take d bank about 45 working days to get back to me.unfortunately in less than 3days i got an email from my bank that they were not able to help me retrieve d money. I was told to get in touch with d receiver. I was also told that d receiver banks with XXXX XXXX. I have called d receiver severally, he's refusing to return my money. On one occasion d wife picked d phone and threatened me that it's a windfall and nothing can be done to them.I called XXXX XXXX  customer service. I was told that it's only my bank ( bank of America ) that can contact their anti fraud department. I called my bank again and gave them d information from XXXX XXXX  I was promised that they will reopen my dispute claim. I will get a feedback from them in 10 working days. But d very next day, I got an email from my bank that they were unable to help me retrieve my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation