vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
The beginning of XX/XX/2022 I put in a bid for the house on the XXXX XXXX XXXX XXXX XXXX South Carolina my realtor XXXX XXXX call me and say that I won the bid I got in contact with my lender which was XXXX XXXX we talked about what all she had to do far getting things in order to close a week went by & I call to touch bases with her she telling me shes working on it as we speak and looking to close XX/XX/2022 the next week XXXX XXXX gave me a rundown on how things need to go & what she was needing from me the the 3rd week of XXXX she told me things was going when I call & text XXXX that Thursday she didnt answer my call or text nor my realtor XXXX XXXX XXXX avoided us for a day when she call she was asking for things IVE already given to her & she told me she couldnt use my XXXX XXXX housing certification XXXX which is {$5000.00} I keep asking her whyi couldnt use & why you r needing all this stuff again when I have given it to you XXXX kept coming up with EXCUSES about documentation work Verification my pay etc on Monday I call XXXX asking her whats going on she still coming up with excuses I then XXXX will I still be able to close on the XXXX of XXXX XXXX couldnt give me an answer I received a call from XXXX XXXX representative asking if I had gotten insurance elsewhere I call XXXX again asking her did she not speak with them because I emailed XXXX all the information she needed for the insurance XXXX ask if I could resend it again and I did I thing told XXXX XXXX dont think you understand you are PLAYING with my livelihood Ive Gotten everything at my apartment to be turn off on the XXXX and everything that needed to be turned on at XXXX XXXX XXXX XXXXurn on so Im spending my money and the only thing you can stay is IM SORRY. DEALING WITH XXXX IVE HAD TO pay {$150.00} to have thing turn on then had to GO back to have everything turned OFF AT XXXX XXXX & everything at my apartment turn back which I now have to spend money to stay if possible the remaining of the month that I didnt have Ive paid for inspection, appraisal and termite inspection out of my pocket XXXX waiting until Thursday @ XXXX to tell me I will not be closing on my house 5DAYS before closing & couldnt give me and answer why. She only can tell me shes sorry.I try reaching out to XXXX on Friday I ask her to call me providing my name & number I went to XXXX XXXX spoke to XXXX a Reception at the days of XXXX sreception at the Deas of XXXX s office a I call XXXX @ XXXX am she stated she was at home heading to the office waiting on the underwriter to get back in contact with her XXXX call me back at XXXX Friday saying she was still waiting on the underwriter XXXX showed no concern where Im to lay my head after XX/XX/XXXX Im stressing cant sleep nor eat because im trying to figure out where im to lay my head AFTER XX/XX/XXXX I feel like Ive been discriminated disrespected discourage and mislead by XXXX XXXX and CERTAINTY HOME LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: OH

Complaint narrative:
On Thursday morning I got a deposit on my chime account of XXXX. Somebody logged into my chime account & changed my email & phone number on the account. So my account was put on hold & new cards were sent out. They spent {$820.00} from my credit builder account & {$200.00} from my checking account, the merchant name is XXXX the website isn't even legit enough to talk to anyone to get documents pertaining this. Both of my disputes got denied through chime. The credit builder account took 2 days & the checking account took a few hours after denial. I called chime multiple times & they still didn't have a reason why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I co-signed for a car loan with Capital One. The vehicle was traded in on XX/XX/2022 with XXXX XXXX. I have 30 days late showing on my credit and my credit score was reduced by over XXXX points. I contacted Capital One by fax asking them to remove the late payment. In the fax, I talked about the status of the loan on Capital One 's XXXX phone number said the title was released on XX/XX/2022 and the loan was paid off on XX/XX/2022. I don't understand how the title was released before the final payment was received. I have never had any 30 day late payments. I believe the payment was made on time because the title was released on the XXXX. I am wondering if race has something to do with the reporting to the credit Bureau. Capital One denied removing the late payment. I know they have ability to waive or remove the late payment. They just denied my request. I feel like I am being penalized because they have the dates backwards of when the title was released versus the date the loan was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MS

Complaint narrative:
In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy.

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-06 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MO

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-06-06 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: MO

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-06-06 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: MO

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX HXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and the united States Code the following XXXX  accounts has violated my rights. 

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 XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 2022-06-06 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: MS

Complaint narrative:
In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: MS

Complaint narrative:
In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was sent a notice by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX about a debt XXXX Bank. I received it by mail XX/XX/XXXX. I returned the notice with a request to dispute the debt and amount wrong by mail on XX/XX/XXXX with a personal check of {$50.00} in good faith. 

I have just sent a second request to dispute debt by registered letter dated XX/XX/XXXX. 
Also a check of XXXX in good faith. 

There has been a Civil case filed against me in XXXX XXXX Court on XX/XX/XXXX. 

Case XXXX. 

I dispute this money owed and a lawsuit was filed before proof of debt supplied to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Debt Recovery Solutions, LLC
State: OK

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States l 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
As of XX/XX/2022, XXXX XX/XX/XXXX customers can now get unlimited 3 % Daily Cash when they use Apple Card with Apple Pay for purchases in he XXXXXX/XX/XXXXapp, on XX/XX/XXXX and at store locations nationwide. 

I used my Apple Card with Apple Pay at a participating location and did not receive 3 % cash back on XX/XX/2022 and XX/XX/2022. 

XXXX, customer service representative at Apple Card refuses to credit my account when asked on XX/XX/2022 and lied to me saying the 3 % is only for new Apple Card customers. 

A representative at Apple Card supposedly credited my account for the XX/XX/2022 purchase, however as of XX/XX/2022 I have not seen the credit and believe the representative to have lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed bankruptcy in XXXX and my XXXX XXXX motorcycle was part of that. On XX/XX/XXXX I filed my first dispute when the account popped up in my Equifax report that I missed payments, had late payments and still owed over {$7000.00} on the mortorcycle and it was charged off and not included in the bankruptcy. This was fixed, until XX/XX/XXXX and it all came back again and I filed my second dispute. This was fixed, until XX/XX/XXXX and it all came back again and I filed my third dispute. This was fixed, until XX/XX/XXXX and it all came back again and I filed my XXXX dispute. This was fixed, until XX/XX/XXXX ( ticket # XXXX ) and it all came back again. I then contacted XXXX XXXX and my attorney to get them involved. XXXX XXXX states they never reported any of the information they have my report and they also filed a form stating that. Also, this time Equifax had the motorcycle reported TWICE. One was reported correctly and the other was all messed up. This was fixed, until XX/XX/XXXX ( confirmation # XXXX ) and it all came back again and this time I contacted Equifax and they told me they had nothing from my XX/XX/XXXX complaint and they also informed me they didnt show me filing bankruptcy!! So now, notes on my account are being deleted and so is my public information. I have been trying to buy a house and this keeps messing that up for me. I have had perfect credit since I filed bankruptcy and this is the only thing messing me up. My score dropped XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get a copy of my credit report and a mortgage company has been trying to get my credit score but they are unable to retrieve it I have been calling for three weeks now with not resolution. I also have sent in all the copies of items they have requested still nothing I need this cleared up as soon as possible so I can buy a house.

Company response to consumer: Closed with explanation