vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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:
I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.

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 2022-11-10 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: TX

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

XXXX which was done on XX/XX/2021 according to the XXXX app and XXXX XXXX  XXXX which was done on XX/XX/2021 according to the XXXX app 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 an 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 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 reporting 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was late on paying my property taxes for XXXX. I was in the process of applying for Mortgage relief fund when I realized Rocket Mortgage paid my taxes and created an escrow account. My paying more than doubled from {$1300.00} to over {$2900.00}. I could have setup a 5 year payment plan with the county instead repaying everything within a year. I asked them to send the paperwork, allowing them the right to pay the taxes and create a escrow account. They sent me a document that doesn't have my mother 's signature. There are XXXX pages and every signature looks different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has RE-AGED the length of my credit history from 11 Years 3 Months to to only 4 Months. This practice has resulted a denial of credit, creditor stating specifically that it's because of the age ( 4-Months ) of credit history. I have attached evidence of my credit reports from all major credit reporting bureaus, including Equifax before they did RE-AGING of my credit history a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC.
State: NC

Complaint narrative:
I received a letter from George Brown Associates in XX/XX/2022. It stated in the letter they were collecting a medical debt of {$3.00}. The letter gave the options of paying the debt or disputing the debt. I disputed the debt on there form and I enclosed a letter which I asked for a debt validation letter to be sent to me if they could not validate this debt to not contact me further. I sent this letter and debt dispute insert via certified mail on XX/XX/2022 they received the letter since I have the tracking number. I did not receive a debt validation letter back from George Brown Associates, INC nor response to debt dispute In XX/XX/2022 George Brown Associates contacted me again with same letter for same supposed debt. I called them on XX/XX/2022 again disputing the debt. Since it was over 30 days without a debt validation letter and no response to dispute of the debt. I am asking for them to stop contacting me. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
Shortly after the Equifax breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, we transferred the balance on our Capital One card to a XXXX  XXXX XXXX credit card. On XX/XX/XXXX, I received a letter from Capital One asking me to call them and notifying me that my account has been put on restriction due to a fraud inquiry. I called right away and was asked to provide a bank statement to show that I was the owner of the account that paid my Capital One card. I did not understand why they cared who paid my card but agreed to provide information. We sent in the XXXX  XXXX XXXX statement that clearly shows the amount of money that was paid and that I am the owner of the account. I called Capital One on XX/XX/XXXX and was told that they can not clear the restriction until they get a XXXX statement. I explained that there is no XXXX statement and that I already provided the XXXX  XXXX XXXX statement at issue. I explained that it seems XXXX was entered in the notes by mistake. They asked me to resubmit and assured me this would be resolved in the coming days. I heard nothing and called again. I was again told that they are waiting for a XXXX statement. I explained the situation and asked to speak to a manager. The manager was not helpful and told me that I had no option to speak to anyone above him. On XX/XX/XXXX, I received letters noting that if they did not receive the information requested, my account would be closed. I called and explained the situation. I explained that anyone that looked in the system could see they were paid by XXXX  XXXX XXXX and that they already have the information that they have requested. Both the initial agent and then the manager that I spoke to told me that there was nothing that they could do until they received the XXXX information. Again, I explained that this information does not exist and is a mistake in their notes. I asked to speak to a different manager and was told that there is no other manager above this manager to speak with me and that basically I had no recourse. I have excellent credit and have done nothing wrong. Capital One has shut down my points that I have accrued over the years as a Capital One customer and are threatening to close my account. They refuse to review the information that they requested and offer no recourse to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : 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 an 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 other adverse items 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 2022-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I am blocked on line with rp Funding to make a payment. My chime bank does not give checks or online bill pay. I was approved for XXXX. A supervisor from rp FundinXXXX approved all fees to be waved while XXXX is making partial payments for me. I call to make payments I was told several times after calling 13 times to make {$110.00} payment they won't wave the fee of XXXX. I don't have XXXX and have no vehicle. I am a XXXX XXXX  and I am be I ng penalized because of it. They don't care that a supervisor XXXX XXXX has approved the over the payment fee be waived until XX/XX/2023 when I get off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. The lease end term was XX/XX/XXXX. I did file XXXX XXXXXXXX bankruptcy during the term of the lease but the vehicle was not part of the bankruptcy. I still kept up and made all payments. On XX/XX/XXXX I contacted Nissan Motor Acceptance Company to request end of lease documents since i wanted to purchase the vehicle. I was advised i could not receive any since XXXX does not send documents when somebody is in bankruptcy. I was advised to go local dealer to purchase the vehicle. 
I went to 4 local dealers and was advised i could not purchase the car since it was not in their system. I contacted XXXX again and was advised to mail in payment to them. I was advised on payoff amount of XXXX and made the payment. I was received by XXXX on XX/XX/XXXX. 
On XX/XX/XXXX i received a notice from XXXX asking for an additional amount of XXXX and stating my payoff amount could not be approved. The letter had a date of XX/XX/XXXX and asked for payment by XX/XX/XXXX but it was received on XX/XX/XXXX. 
I contacted XXXX and asked again for lease payoff documents and explanation of additional amount, i was advised again i could not receive documents due to bankruptcy and simply advised previous payoff was incorrect and was missing some tax amounts. 
I did not have the fund available right away but i did mail in the full payment of XXXX as requested by XX/XX/XXXX and was received by XXXX on XX/XX/XXXX and cashed on XX/XX/XXXX. 
After this on XX/XX/XXXX i get another notice from XXXX  ( Parent company of XXXX ) stating that they are requesting right to reposes the vehicle and asking for a removal of stay from the bankruptcy court even though they have the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AR

Complaint narrative:
XXXX is fraudulently seeking money for equipment that I have never had. I bought my phone through XXXX not XXXX. This is false in an effort to get money.

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 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: AZ

Complaint narrative:
So I sent money to XXXX  XXXX to my mom. So she went to soriana store to pick it up, but when the cashier was about to give the money to my mom he told her that the system was blocked. Then he told my mom to go to another soriana to get her money. So she went and tried but they told them that the money was blocked. That's when she called me and I went to the Sigue store here in XXXX Arizona to ask the cashier what the problem was. She looked through the system and told me that the money was already been paid. So I told her that my mom didn't receive the money, that it was a mistake. So they called my mom to ask for an explanation and she told them that she didn't get no money whatsoever. So my mom went to soriana again to talk to the manager and they told them that the money was blocked that they need another confirmation number so they can pay. But again Sigue don't want to give that number because they insist that the money was paid. Now they said they need the receipt that proves that the money was paid from soriana, wich is stupid because it doesn't exist. So help me please I don't want to loose my money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
I have reported this unlawfully attained account XXXX to both the credit bureau and XXXX XXXX XXXX on numerous occasions. This account has been removed and supposedly blocked from my credit report twice the account resurfaced on my even after the bureau blocked it. My identification was stolen during a theft occurrence in 2016. I was unaware that someone had used my identification to attain an account with XXXX until years later up upon learning of this, Ive made every attempt to remove this account from my credit report to no avail. This is both illegal and irresponsible that this company and the credit bureaus have not removed this account from my report. This unlawfully illegally attained account is damaging my opportunities and affecting my finances. Both Bureau and XXXX have received my identity theft report but have not acted according to law in resolving the impact that this has inaccurate information has had on me.

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 2022-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I sent the Check to CIT Bank to make a payment of the HOA monthly assessment fee. But it had been rejected and the payment was returned. 

As usual, I chose the proof of payment service from XXXX XXXX  and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. The XXXX XXXX XXXX co XXXX XXXX XXXX XXXX XXXX XXXX account set up with CIT Bank XXXX I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

Two weeks later. I received the statement from the HOA, the statement show the HOA XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the XXXX XXXX  and XXXX XXXX XXXX XXXX a few times to get more information. The XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments XXXX ) I spent the time to take look the history of my HOA payment and I also double-check the payee account number and message ; they are all correct. The HOA received all my other checks without an issue. I am used to send the monthly HOA payment with the XXXX XXXX. 
( See attachments XXXX ) The XXXX XXXX  review the case and have a letter to me on XXXX, the reference case number also available for check. The letter state that My bill payment for {$280.00} that was sent on XX/XX/2022. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks had been sent, but the check was returned to the XXXX XXXX  and not cashed. The check was voided, and my payment amount was refunded to my account ending in accounting number XXXX on XX/XX/2022. As they stated there were no errors from the XXXX XXXX. It means there were no errors from my side. 

This situation is the payment check was delivered on time, but CIT Bank paid no attention and ignored it, made the check had been rejected and then returned. So, it means there were errors in the payee side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 2. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 3. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX 4. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I applied for and was denied for a Target red card. The ONLY reason for denial was according to Target themselves " -Your application was declined because you have a number of accounts with recent delinquency. '' I have ONE very simple question, an answer every consumer who applied for credit has a right to know. What is considered " RECENT '' as in a RECENT DELINQUENCY '' is within 6 months considered RECENT? 
Is 6-12 Months Considered RECENT is 12-18 Months considered RECENT is 18-24 Months considered RECENT is 24-30 Months considered RECENT is it 30-36 Months considered RECENT Is 4 years old considered recent is 5 years old considered recent More specifically : what is the length of time that needs to past for Target to NOT consider a Delinquency RECENT? 

Target has failed to answer the most basic question previously, hopefully they will answer is this time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : 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 an 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 other adverse items 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I never opened a XXXX account or received or used their equipment. I never had a contract with them. 

XXXX XXXX ( formerly XXXX ) fabricated a {$120.00} debt for allegedly failing to return a router. 

XXXX then initiated the collections action below, without ever calling me or writing to notify of the debt. 

I owe them nothing and this must be illegal. 



Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Original Creditor ASTOUND BROADBAND POWERED BY Past Due {$120.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

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