vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
Victoria Secret is really starting to get on my nerves. I'm literally considering suing them for altering my credit, when it shouldn't have been altered in the XXXX first place. 

The cards owner is my wife. She added me as an authorized user months ago. 

When I found out about it via my credit report, I told her to take me off as that has serious reprucussions if her account is late. 

She then called the company and told then to take me off as an " authorized user '' and said they had done so. 

So one, its not my XXXX account Two : my liability is gone because the company VICTORIA SECRET agreed to remove me as an authorized user. 

Three : This company literally just violated FCRA, and such applicable laws that follow suit with it. If this company isn't held responsible, I'll be sure to have a lawsuit. 

Get it off my XXXX credit report. 

Thanks, your sincerest credit consumer that doesn't use Victoria Secret

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: NC

Complaint narrative:
I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NC

Complaint narrative:
I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
About 3 weeks ago I had a log in problem. It was 2 weeks till it was fixed. I could reset my password and it was not accepting the current one. I tried for 2 weeks calling people and going up to the branch. The last time i went up there the teller that helped me was getting mad as i was. She finally found out that someone deleted my security questions preventing from reseting password. I threaten to take all my money and swith banks. 2 or 3 weeks later I get a letter sayng they are closing my accounts. I went to the bank and was going to get some out to open a new account elsewhere. They would give me my money and called the police. They will not verify my email so i can transfer funds. I actuality they are stealing my money. Right now i have {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX  XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NC

Complaint narrative:
Hello, I called the creditor ( XXXX  XXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/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 2023-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my Experian credit report. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the historical information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  and ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX. I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Ive been a Wells Fargo customer since XXXX. I ve had dbl overdraft fees more than one occasion. Savings fee charges. Then they get rid of contacts us in their app. That how I kept a record every time I had to contact them. Because when you have to call them you have no physical record or proof of getting something fixed or migated.

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 2023-03-22 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: GA

Complaint narrative:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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:
XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days

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 2023-03-22 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:
XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Entrata Inc.
State: AZ

Complaint narrative:
On XX/XX/2023, I submitted an application for residency at XXXX XXXX XXXX in XXXX, Arizona. Upon completion of screening done by Resident Verify , LLC, I was told that my application had been approved with conditions. After several attempts to determine what factors in my credit report caused the adverse action, I was given little-to-no information with the screening company representative simply responding with " we don't have that information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I purchased my home in XX/XX/XXXX and used Rocket Mortgage as my mortgage lender. I had used them in my previous purchase and did not have any issues. I have never made a late payment for my mortgage but I find myself in a situation where for the first time my mortgage payment is only partially paid and therefore late. The reason is that in XXXX I paid approximately {$10000.00} at closing to cover the XXXX taxes. This was because they estimated I would have to pay all of XXXX taxes due to the previous owner being a military veteran and being tax exempt. In early XXXX I received a refund. My mortgage was then adjusted by Rocket Mortgage in XX/XX/XXXX because they erroneously thought I was tax exempt. I spoke to a couple of representative at XXXX, one who was trying to get me to refinance in XXXX and another escrow analyst and explained that I thought they made an error. They then send me another refund check for all the escrow that had been placed in that account. I mistakenly assumed the error was due to the money I paid at closing for all of XXXX. I deposited these funds and used them to cover my childcare expenses. When went to pay my XX/XX/XXXX mortgage payment I saw that the amount due went from {$1600.00} to {$4300.00} as Rocket Mortgage is trying to recoup the escrow refunds they mistakenly sent me. I reached out to them via email with an urgent request for a call to ask to have this resolved. They did provide a solution of spread this $ XXXX over three years but that still puts my payment at {$3200.00} for the next 3 years. I expected a monthly payment of about {$2800.00} when I first purchased the home, I budgeted for this amount and signed into other financial obligations that I thought with that mortgage payment I would be able to afford. Now with inflation being so high and child care, I find myself in a difficult financial situation where I am afraid I will loose my home over the additional mortgage payment increase. I find this mistake should be absorbed by Rocket Mortgage and have tried to resolve it with them but they have pressed back that because it is property tax, it is my obligation however, the mistake on properly collecting them was on them. If I knew I would have to pay these on my own and not put my faith in them to properly collect, I would have set money aside to pay. I am putting in this complaint because I think this is predatory. I am not sure what to do next to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I hope you are having a great day, I am writing today in regards to my account with Capital One account # XXXX I am hoping you can help me. I noticed a late pay in XX/XX/2022 I want you to know that I understand my financial obligations, and if it werent for me getting sick, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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:
The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KP ASSET CONSULTING LLC
State: MD

Complaint narrative:
Beginning on XXXX XXXX  I have received phone calls ( voicemails ) from a gentleman telling me he is on his way to my home /employer to collect money for a debt. He did not identify the debt or what company he was representing. He is calling from a blocked number. He gave me a number to call but no information on who I would be calling. I did not call this number. I tried to identify the number online to see if it was a legitimate number. ( XXXX ). This number did not appear in a reserve number check. 
I feel threatened by someone saying that they would be coming to my house to collect a debt that I am not aware that I owe.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22 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:
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
BSI is deliberately failing to deposit my payments, I can prove are made on time, to fine me {$63.00} every month and bully me into auto deposit

Company response to consumer: Closed with explanation