vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: GA

Complaint narrative:
The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citicard debited autopay amounts from an old bank account that was never setup for autopay instead of the one specifically setup for autopay. The amount debited was {$7600.00} resulting in an overdraft of that older account. I never activated the auto-pay feature until after entering a new account that was setup specifically to act as the autopay for credit cards and has plenty of cash to cover. The new account has been auto-debited for about a year without issue and now out of the blue the card debited against the old account which was only ever used for manual payments. This is an unacceptable mistake and has caused serious ramifications and a problem I have to waste time solving.

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 2022-11-14 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}

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 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint sent a response stating that their errors naming the wrong mortgage company and sending me notification on XX/XX/XXXX that they are my new loan servicing company starting XX/XX/XXXX as confusing. I never received their letter. 

Shellpoint reported to the credit bureaus I failed to make the XX/XX/XXXX payment. That disclosure ruined my credit. I paid the XX/XX/XXXX payment to XXXX XXXX as instructed by previous loan servicing " Community loan service '' according to their mysterious letter of XX/XX/XXXX Shellpoint letter I was to pay Shellpoint without any proof they were my new loan servicing company starting XX/XX/XXXX. Shellpoint said they were assuming the loan from XXXX. All my loan notifications and instructions were from Community loan service NOT XXXX. 

Shellpoint response to their errors said we apologize for any confusion this may have caused. I don't accept their apology I need my credit restored and return my mortgage payments returned. 

Shellpoint recent loss a class action law suit XXXX borrowers. 
I attached the law firms letter. I do not trust Shellpoint to resolve this matter. Hopefully XXXX XXXX  will respond to my complaint

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One refuses to release a pending hold for a transaction that has already cleared my account for {$44.00}. I contacted the merchant directly, and the manager is not showing any duplicate transaction or a transaction in pre-authorization/hold status. 

Capital One can clearly view that the initial transaction has fully cleared my account yet continues to force this hold on me and will not release it until XX/XX/2022, stating that a pre-authorization is held for a minimum of three days. No, this transaction has been held from XX/XX/2022, until now, which is 4 days. Therefore, on XX/XX/2022, the transaction will have been held for a total of 6 days. My account is now in the negative due to this error. 

I am so frustrated with major corporate financial institutions jerking around the consumer and leaving them in a lurch. I want this problem rectified asap. My next step is to go to the Office of the Attorney General XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX  XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
Portfolio Recovery Associates # XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
Capital One Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to Capital One Bank according to CFR 1026 regulation Z Billing Error.

I have asked Capital One to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act Capital One Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. Capital One Bank should delete all account information they share with XXXX, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company.

Since Capital One has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft.

I didnt consent nor benefit from Capital one. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This has been a complaint which started many years ago, I feel Wells Fargo is negligent on handling their accounts and rely on misrepresentation and misleading statements not only from loan officers but also from those who work in the XXXX office handling complaints. 

First of all, I am no longer a customer of Wells Fargo. I paid off the pre-foreclosure I am a very thankful and happy person because of it. I have no more ties to this bank. I am so sorry for those who have lost their homes due to their misrepresentation, misleading, self absorbed XXXX 's, XXXX XXXX and who controlled by them, but some in the XXXX office enjoy it when they can inflict pain and suffering who has no control over them. 

Now let me begin. I paid off the loan. The payoff had a home mortgage of {$5000.00}. Wells Fargo requested my paid receipts I have home insurance on my home. I gave them all the information they needed that I had home insurance. Still when we closed on the account they still charged me {$5000.00} for home insurance. WHY am I paying them for home insurance when I was already paying for full coverage of home insurance by my private XXXX. If they come back and say I did not have insurance at the time they manipulated my account. Lied to me why my account is the way it is. They never never explained anything why my account is the way it was. I have never never dealt with a bank such as Wells Fargo. I think it is their intent to manipulate a loan, confuse people, even their own employees at the branch. 

I will never never understand the process of how Wells Fargo does business. 

I am making a very big request, that the Representatives and Senators will provide XXXX XXXX for the Victims of Wells Fargo or any bank loans during the time period of XXXX which turned into a foreclosure, that if these foreclosures were paid off prior to XX/XX/2023 that they will be placed in Good Standing and all late payments and derogatory remarks will be removed from one 's credit report. 

It saddens me not XXXX XXXX of these major banks were ever handed a criminal charge for wrongdoing. 

Manipulation, Gaslighting, Misrepresentation to have a customer sign a contract which was totally the opposite of what the loan XXXX said.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: WI

Complaint narrative:
I paid XXXX for rent and bill reporting, I paid XXXX on XX/XX/2022 This company is saying there's no record of payment where I provided proof of payment by email, additionally I sent over rent payments dating back to XX/XX/2022 which were verified by XXXX XXXX, they refuse to report the payments accurately, my water payment of XXXX, they refused to report. 
My cell phone bill they refused to report although I provided receipts verifying payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in 2016 by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit 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 explanation
Consumer complaint received 2022-11-14 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient reported incorrect information of a 90 day past due payment that was incorrect. There was payments made and was current. As well as the Cares Act/Covid Relief that is in effect until XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.

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 2022-11-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00}

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 2022-11-14 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: MD

Complaint narrative:
Per the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that 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 or 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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Rocket Mortgage appears to conveniently try to block certain communications with certain clients. As I've had previous problems with them and the telephone payment system, which also caused me to be late on payment. I've asked XXXX and her Supervisor, XXXX today to credit me for that payment because Rocket, formerly known as, Quicken Loan payment line XXXX, being inoperable. 

I'm also having difficulty right now faxing them a follow up, Qualified Written Request to XXXX, for current amortization and loan transaction history reports. 

Not sure whether this complaint is going to allow me to attach file, but her is letter been attempting to fax Rocket Mortgage a previous Qualified Written Request. And the suspicious nature of their documentation of communications with their clients. 

Previously requested a copy of loan amortization for account # XXXX. 

Rocket Mortgage ( RKT ) did not supply an updated amortization schedule reflecting actual loan amount, interest rate, and amortization period. 

Likewise, RKT also did not supply transaction payment history from start to date. 

Finally, Rocket Mortgage is supplying customers documents dated XX/XX/2022 and XX/XX/2022, while enclosing them in mailings post marked XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
i do not owe this company, i do not know this company

Company response to consumer: Closed with explanation