vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX, # XXXX DEPT OF EDUCATIONXXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # 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 Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX DEPT OF EDUCATION/XXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # 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 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 2022-09-07 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

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 2022-09-07 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: GA

Complaint narrative:
I recently submitted a complaint on XXXX in regards to Equifax reporting inaccurate information. The complaint was closed stating the account was verified. Equifax stated my account was properly investigated, however the following are still reporting inaccurately : Date Opened, Last Reported and Two Year Payment History just to name a few ( please see yellow highlight for each account attached ). Also 2 accounts were added in XXXX to my credit report and they are not my accounts ( also attached ). This has been an ongoing issue for over 6 months now and my rights have been violated according to the Fair Credit Reporting Act : 15 USC 1681 section 602a states I have the write to privacy.

15 USC 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
My car was totaled in a car accident recently. I wasnt working at the time and so therefore I could not pay for the insurance deductible. The car was deemed a loss. The loan company repossessed the car since I could not continue paying the monthly note with {$20000.00} left to pay it off. The loan company then sold the vehicle for {$5000.00}, making me cover {$16000.00} for the remaining balance Im currently still unemployed and can not make this payments which is daunting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Starting XX/XX/XXXX, Rocket mortgage request documents to assist with the application for success to reduce or repay a past due mortgage that remain after XXXX XXXX voluntary dismissal. An application was required, which was received and completed. Documents requested were sent multiple times, and the reply continues to be " we did not get them ''. XXXX was sent more than twice to request the same documents over and over. Several calls were made to Rocket Mortgage with the person from the accounts resolution team confirming the documents were received, however I was read the notes which stated all the information had not been received, then again maybe got cross in the mail and the account would be noted as such. This went on from XXXX to XXXX stating I was still missing something HOWEVER, Rocket mortgage had no intentions of working with my wife and I at all. The rouse was to tell us that documents were not received while preparing default letters, then a closure letter, stating that since documents were not received we are closing this file was only to buy time with a continued excuse Rocket Mortgage never received requested documents. A few days later I received a certified letter from their attorneys declaring the unpaid amount with numerous fees. All along the information was received but Rocket Mortgage are only interested in receiving {$3500.00} right now, which is pass due amount then a further balance of {$43000.00}. While this scheme went on every day, stating you miss a signature here, another mail said you left out the address, still another one, you didnt answer this question..for several weeks with an account resolution team member confirming, yes we received and maybe it just cross in the mail, afterward we received another correspondence from Rocket Mortgage ; a closure letter stating that since the information was not received we are closing our efforts and foreclosure will continue. Since then, Ive received a certified copy of an order sent to their attorneys with the intent to foreclose. I am filing this complaint regarding the lack of communication that appears to be INTENTIONAL with the unscrupulous efforts to attempt foreclosure. This is a HELOC loan that was taken out in XXXX, and now has a balance of {$43000.00} with {$3000.00} past due. 


Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-07 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX of 2022 I rented a vehicle from XXXX rental car I used there services up until XX/XX/2022 I had an issue with XXXX charging both my XXXX account and my capital one account at the same time! I reported these issues to both of my banks niether bank helped me fix the issue so I returned the car on XX/XX/2022 I received an email from agent XXXX XXXX a repo person I spoke with her at XXXX and told her I no longer had possession of the rental car I dropped it off overnight at the rental location because I was frustrated and tired of being overcharged. She told me that they dont have possession of the vehicle so I told her she should call the cops an report the car stolen she told me she would contact the owner and they would right away call the police so that the issue could be resolved. I heard nothing else from them. No more charges were being made to my account. So on XX/XX/2022 I got a charge on my capital one credit card with a XXXX limit for XXXX after several times of my card going over a couple hundred and me paying it and then constantly telling me they can assure me that this wont happen again and then it did! XXXX rental car left open the contract on a car I returned a car that was stolen from their property a car that I told them to call the police for because I know where I left it. So now I have a charge on my account that I cant even afford to pay off because of a mistake that XXXX made and my bank is not any help how do they allow this to happen my limit is only XXXX XXXX cant even walk in the store and buy milk for my kids if I wanted to after I reach my limit this should be Illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company is falsely trying to collect a debt that is not mine. 
Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent aced to XXXX  XXXX on XX/XX/XXXX. So all those paper your showing going to a po box fraud. I was sitting in XXXX  since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a po box address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX  so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX  and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

- XXXX XXXX BANK Account # XXXX -XXXX XXXX XXXX Account # XXXX - XXXX XXXX  Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX BY XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : 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 2022-09-07 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank is in violation of Federal Law bye means of XXXX XXXX XXXX XXXX XXXX They Truist Bank XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double XXXX by Truist Bank over Information Theft Investigaste with Impuunity! 
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 explanation
Consumer complaint received 2022-09-07 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: CORELOGIC INC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-07 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

10.6

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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