vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: VA

Complaint narrative:
I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with Experian no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points  given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100  points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with Experian either.

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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A mysterious charge appeared on my checking account held by Capital One. The charge was posted XX/XX/2022 for {$1800.00}. The charge read : XXXX XXXX XXXX and included the phone number XXXX. When I called the number a recorded statement indicated I had reached XXXX XXXX, an online payment processor utilized by a variety of companies. The recording suggested I call the leasing company or property management company. There was no specific information either on the recorded message or on my online checking account statement suggesting where XXXX XXXX is located. The statement suggested it was for a " Debit Card Purchase '' by " Your Joint Card Holder. '' The joint card holder on my checking account is my wife. We have no affiliation with XXXX XXXX. I called Capital One, reported the fraud and ordered a new Debit Card. Capital One says a new one is on the way. I attempted to call a XXXX XXXX in XXXX, FL but there was no option on its phone menu to discuss payments or charges. On XX/XX/2022 the funds were returned to my Capital One checking account without explanation. When I reported the fraudulent charges to Capital One I was told the funds would be returned to my account within 10 days if they were unable to resolve my complaint. The funds are back, but is the reimbursement permanent?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
I am a victim of identity theft and you are to remove and block the information identified as identity theft in the attached document.

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 2022-06-24 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: Consolidated Information Services Solutions, LLC
State: NJ

Complaint narrative:
A company by the name of Xactus pulled a hard credit check on my credit without my permission twice... once on XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NJ

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Self Financial Inc.
State: VA

Complaint narrative:
Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I called my bank yesterday XX/XX/2022 ( Arvest Bank/XXXX Arkansas an requested a stop payment for 2 items that would be coming out of my account on XX/XX/2022. I clearly said to the gentleman that this was not to be effective till XX/XX/2022 but when I checked my account last night I'd already been charged {$60.00} for the stop payment ( their fee ) I called my bank XX/XX/2022 and told them they'd make a mistake and charged me immediately for the stop payment fees creating an over draft in my account of almost {$27.00} when I clearly said the stop payment was not to take effect till XX/XX/2022. I ask them today XX/XX/2022 to reverse the charges and not hold the stop payment fee out till XX/XX/2022 when the stop payment goes into effect. The gentleman I spoke to refused to do that so now I'm going to have an additional fee of {$17.00} added to my account for a mistake they made. How is that right?

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 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Numerous Inquires to my Trans union credit report by this office on XX/XX/22. I tried calling back there number and the phone call will not go through. Thinking that this is a scam business.. Called Trans Union and my credit report has been frozen.The same company goes by 2 company names. I Place XXXX and Consumer Info. I have had numerous harassment phone calls from area code XXXX. I have reported this area code to FTC numerous times for calls. Information shown on credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Phone number XXXX XXXX XXXX XXXX via I Place XXXX XXXX via Consumer info

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 2022-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regional Acceptance Corporation denied me a loan for automobile financing on XX/XX/2022 ( violation of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ).

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 2022-06-24 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 have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with XXXX no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100 points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with XXXX either.

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 2022-06-24 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 have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with XXXX no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100 points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
On XX/XX/2022, my credit score was over XXXX. I have a perfect payment history, no credit card debt, have not opened new accounts or missed a payment. In fact, the only real activity for all of XXXX was that my average age of accounts got 1 month longer. On XX/XX/XXXX, Experian lowered my credit score XXXX points for no reason. I am now below XXXX. There is nothing in my financial activities in XXXX that would warrant a XXXX point drop. They will not let you speak to anyone on the phone about this fraud. They make sure that they are unavailable to discuss their misconduct. This change may increase my cost of borrowing at a time when interest rates are already going up. Experian makes money sharing my credit score with third-parties. Knowingly sharing inaccurate information is also slander.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: PA

Complaint narrative:
I am applying for a mortgage and I'm told I have this derogatory account for Kikoff Lending. I am not aware of any such account. When I reach out to Kikoff Lending, their phone # only goes to a voicemail that says email us at XXXX I've emailed and not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to XXXX separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that expXXXX XXXXXXXX XXXX XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

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 2022-06-24 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
My mortgage includes two lots of land. One where my home is located and one vacant lot next to it.

I started a partial release of the vacant lot with XXXX XXXX in XXXX. 
XXXX then sold my mortgage to Freedom Mortgage in XXXX. 
Now I have been working with Freedom Mortgage to get the partial release and one of the steps is to get an appraisal on the home and land. I paid {$570.00} as requested to Single Source for an appraisal on XX/XX/2022. 
I then was told on XX/XX/2022 that the new price is {$770.00} for the appraisal. I did approve the new price as we have no other options as we need this for a partial release, but any reasonable consumer ( including myself ) considers this a UDAAP violation as well as bait and switch.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX a Amazon credit card was opened under Synchrony bank purchases made Of XXXX + XXXX XXXX. Two of these purchases were gift cards which were XXXX and {$170.00} Store items were bought XXXX XXXX 
I reached out to XXXX  XXXX explain to them I did not purchase these items and I did not wish for them to be delivered to my address I also reached out to US post office for them to send items back to XXXX  XXXX once they received. tracking numbers were given to them also made a fraud report to US post office. Got ahold of synchrony bank and made a fraud report and was told credit card was closed. Made a call to all three credit bureaus to make a 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 non-monetary relief