vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: WA

Complaint narrative:
This company Upgrade has a checking account that I utilized for my direct deposits. I had 2 returned deposits ( checks written to me from other people ) which put my account in a suspended status. My account remained in this status for well over a week. While on suspended status, Upgrade continued to accept deposits into my account, including my Social Security XXXX Payment. I notified Upgrade that they were withholding my Social Security funds from me and that under the law, they could not rightfully do so. Their response was to say that the law does not apply to them and that the deposit agreement I signed enabled them to take the action to suspend my account. I requested ( actually demanded immediate account closure ) XXXX XX/XX/2024 by sending the Social Security Administration my money back. They then sent me a form to have the remaining funds transferred to my account at another financial institution. I sent the form back, signed and completed within 10 minutes of receipt. When I followed up on it, they told me that their " processes '' take 7 to 10 business days to move my funds. When I asked to explain why I was given no explanation and then they proceeded to make it more difficult to contact them by adding my phone number to a " block/DNA '' queue which simply says " Welcome to Upgrade, your call is recorded, Please hold '' and then you are placed on " Terminal Hold '' until you simply choose to hang up. Upgrade has purposefully been blocking access to my funds and then because I had the audacity to follow up, they took and and all steps available to delay the transfer of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX DATE OF INQUIRY : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
TD finance tried taking payment from an account number not submitted. Sent us to our bank twice stating it was my banks fault, then said I miss typed the information. This is the second loan with this company. Both loans have never been late, and paid before and after this happened in XXXX of XXXX from the same account. Tried paying the payment 3 times in XX/XX/2023 all returned because it was someone elses account they tried taking the funds from at another bank. They refused to fix it when On XX/XX/XXXX the payment from same account always used on both accounts went through. Their own recording said they had posting issues please bear with us. They refuse to fix the 30 day late on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Mariner has unlawfully filed sue case under false pretenses. I have requested the original documents signed by the bank and myself or who is the original creditor and have never received the documents. Although they have filed a garnishment without true and lending proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights. 

15 u.s.c 1681 section s 602a states i have the rights to privacy.

15 u.s.c 1681 section s 604a section 2 a consumer reporting agency can not publish an account without my written premission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX First advantage reported to an employer I had gone to jail for 5 days XXXX XXXX XXXX Fl for misdemeanor {$22.00} checks written in XXXX I called XXXX XXXX XXXX and their records do not indicate I have ever been in jail. I only paid the checks & fees. 
This was 20 years ago and they just reported it in XXXX to a job I applied for. 
I submitted the court records they did not adjust it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX, GA XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EQUIFAX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently check my credit report and across all 3 major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently check my credit report and across all 3 major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
In short, during my last cash-out refinance in XX/XX/XXXX, Rocket Mortgage ( RM ) engaged in deceptive loan tactics in order to push through my cash-out refinance without explicitly telling me they were going to write checks to my debtors instead of a lump sum being deposited to my checking account. The paperwork I filled out was also not clear on where the money was going nor were the questions on the inital application in a logical order. In the first couple of pages, I checked that I wanted the funds dispersed by ACH transaction, and provided my bank 's routing and account numbers. My loan officer and I did have two phone calls where he had me verify debt amounts, but never did he say the funds at cash out will be checks written directly to these debtors. It was my belief he was verifying debts to establish a debt to income ratio. 

Furthermore, I had no reason to believe this cash out would be any different than the first one back in XX/XX/XXXX, where I received all funds deposited into my checking account. 

This has led to the wrong debtors being paid as my wife and I had identified a plan to pay off the debtors with the largest monthly payments, and the checks that were cut by RM were to random other small debts with lower monthly payments we were not going to fully pay off. 

The consequences of RM 's actions have left us with a mortgage that is unmanageable due to the incorrect debts being paid and not having enough cash flow at the end of the month. It led to us needing a large consolidation loan for outstanding debts and seriously having to consider selling our beloved home. If we were able to pay off the correct debts with the larger payments, we would be comfortable with our current mortgage. 

I believe the deception on RM 's part was intentional in order to push the loan through and collect their commissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Alliant continues to harass me with false statements and asking me to take action they have me blocked from. Now they are trying to change my email without my consent and asking me to call knowing they blocked my number. This is the reason I asked them to accommodate my XXXX with effective communication, to this date they have not engaged in any interactive good faith process but instead push me toward panic attacks. They have destroyed my credit as a form of retaliation and refused to take any payments when I tried to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: OR

Complaint narrative:
On XX/XX/2024 Credit Services International hit my credit report for owing a debt for {$500.00} for XXXX XXXX XXXX. When I called Credit Services International they told me it was for some Texas address. I do not live nor have family in Texas. So this is from Fraud. They didnt care and yelled at me. Please help me get this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2024 I reviewed my credit report with Experian and disputed things that was not mine. I stated fair debt collection practices Act 15 U.S.C 1692 eq seq. And the claims against my credit report is unfair and not legal due to the act. Now I want my civil rights to be enforced due to this act mentioned. If the companies isn't authorized to use the XXXX credit reports take them off my credit reports. Disallow all third parties credit reporting against my credit report. They are profit for any out dated information they can come up with. XXXX XXXX is one of the companies that keep reporting against my credit report. I noticed cfpb has filed a lawsuit against this company and I am due damages from this company for the total of {$900000.00} please see to it that I receive the funds for my damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
To whom it XXXXay concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for TransUnion and XX/XX/XXXX, for XXXX. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for XXXX and XX/XX/XXXX, for Equifax. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX  Date opened XX/XX/XXXX Balance {$680.00} 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