vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: TN

Complaint narrative:
XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXXI called XXXX THEY couldn't find the account. I ca
lled XXXX XXXX and lady I spoke with said " account was charged off in XXXX  '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, Experian.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX  appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with Experian mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXXs. Im begging you to intervene and demand them to follow 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 2023-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the violation of my privacy rights under federal laws and regulations. It has come to my attention that the credit bureaus XXXX and Experian have failed to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), and also have violated the 15 U.S. Code 6802, and 15 U.S.C. 1681 sections 604, 607, 610, and 621. I have attempted numerous times to resolve this incorrect reporting of my consumer credit information and they have failed to comply even after having many phone calls and speaking to several supervisors they still after I had clearly pointed out their many mistakes did not comply with the FRCA and the 15 U.S.C.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I deposited a United States treasury check for a XXXX disaster loan in the amount of {$25000.00} to make repairs on my home after it was flooded in a since declared disaster area of XXXX XXXX in XXXX. On XXXX XXXX  I attempted to log into my citibank checking account and it would go thru. I called the bank and was told that the check is not a usual check they see and they can't verify so they will make my account inactive and ultimately close my account and my money that was already in that account will be mailed by check in 30-60 days. The whole purpose of this loan was to fix my house and now not only do I not have the loan, but they have my money that had nothing to do with transaction. I have mortgage and car insurance payments that need to be made like today. This is not how to handle a business. Take a legit check and making it an issue for no reason. I live paycheck to paycheck. I do not have supplement funds available to me to hold me over 2 months until they decide to mail me my money that was in that account before any of this.

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 2023-06-02 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: Synovus Bank
State: FL

Complaint narrative:
On XXXX XXXX I called first process to see what they had not removed my XXXX XXXX payment from my account yet. The representative advise me that they had just updated the system to accept payments and that its a possibility my payment would not process until I went back in and added my routing number. I advise the first progress representative that on my end it does not show that the payment was declined or not processed. So not because of the system error on first progress end it shows on my credit report that my account is late and credit usage is high. I advise the representative that is I would of knew or been notified or could see it on first progress website that it didnt go through I would of found another way to pay it so that it was paid on time. I made that payment on XXXX the credit card company reports on XXXX. So if I could see that it wasnt processed on XX/XX/XXXX that still would have gave me 4 days to make the payment on time. I will attach screen shots where on their website it is showing that my payment is still showing pending on their site. It has no information saying it was declined or didnt process. While on the phone with the representative he told me to make the payment again which I did and send it a goodwill consideration letter explaining that the website is messed up and that my payment history should not show past due and the amount should be updated as it was out of my control. I didnt all this on XXXX XXXX I have attached copies below where it still shows my {$190.00} I paid on XXXX XXXX is still pending. So this is proof I had no idea it declined or did not process I have attached my payment history so you can see where it still does not show that the payment for {$190.00} declined or did not process nor does it show that I needed to update my routing number The attachment below also shows proof that while on the phone with the representative on XXXX XXXX I did go ahead a make another payment of {$220.00} and paid a extra {$10.00} fee so it could reflect immediately as the first progress representative advise I do in order to request a goodwill consideration This attachments are proof that I have done everything I was supposed to do but the ball was dropped on first progress website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX of XXXX a XXXX credit card was opened in my name using a different address, I notified Experian to dispute and also XXXX fraud department XX/XX/XXXX. XX/XX/XXXX Experian notified me through email stating that the account was complete and accurate to belongs to me. I notified XXXX and the shared with me that they have not completed the investigation it is still pending.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANNER CORPORATION
State: CA

Complaint narrative:
Bank account fraudulently opened under my name when I told the bank it was not me they accused me of lying telling me it was weird that someone knew all my information I explained to them i had been dealing with identity theft for several months now BANNER BANK i advised them to pull the video.. I advised them if I needed an updated police report with the banks name they said no but would not consider the XXXX police reports I already have due to this situation I have been dealing with identity theft since XX/XX/22. i am willing to go make a new police report if needed.

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 2023-06-02 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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:
I received a copy of my reports from XXXX, Equifax, and XXXX. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from XXXX, Equifax, and XXXX from reporting on 7 of the accounts on my consumer report.

I have provided the proof.

The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXX 4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: PA

Complaint narrative:
I received a copy of my reports from XXXX, XXXX, and Experian. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from XXXX, XXXX, and Experian from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXXXXXX  4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened 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 2023-06-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

These two accounts have been reflected badly on my credit report for over seven years. 

XXXX XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. XXXX XXXX Date : XX/XX/2015, Account # 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 2023-06-02 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: CO

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter. I sent a copy of my driver license and a utility bill to make sure my identity wouldnt be in question. I sent my dispute letter with clear disputes. On XX/XX/XXXX Experian emailed me saying that they received a dispute that didnt appear to be from me. I tried to call and was impossible to get through to someone. This is clearly a stalling tactic by Experian to not investigate my dispute. I would like my original date to stand in regard to when I sent and they received my letter. The law stipulates a timeline here to investigate and remove items from my credit report. They are trying to extend this timeline unlawfully by claiming it was not me who submitted this dispute which it most certainly was was. Thank you

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 2023-06-02 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: NJ

Complaint narrative:
My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
These two accounts have been reflected badly on my credit report for over seven years. 

XXXX. XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. DPT EDXXXX Date : XX/XX/2015, Account # 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 2023-06-02 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: KS

Complaint narrative:
It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

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 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 2023-06-02 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-02 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: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 2023-06-02 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: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2023, I applied for a mortgage from Rocket Mortgage online and received a phone call from XXXX XXXX, the mortgage banker. He reviewed my application, then asked for my credit card for an " appraisal deposit '' of {$500.00}. He explained if the appraisal report is {$600.00}, then I will be charged the remaining {$100.00} balance at closing. XX/XX/2023, the purchased agreement was terminated due to issues noted from the inspection report I paid for and HOA review. I emailed the mortgage banker and when I got no response, I called Rocket Mortgage. The representative agreed that no report was ordered yet, but they may take money for the credit report, which I questioned since it was supposed to be a deposit for the appraisal. Please note credit report and other proposed settlement fees were disclosed AFTER taking my credit card number. I called on XX/XX/2023 to get the status of the refund request, only to be told they refunded {$350.00}, and they were keeping {$50.00} for credit report and {$100.00} for appraisal process ( stuff they do before one is actually ordered, he said ). When I expressed my displeasure with using the deposit for something that was not disclosed, and due to my background in the field, there is no way what they did was legal or acceptable, the rep then said he would review to see where the money went, he returned to the call and said he would have someone take a " deeper dive ''. I spoke to XXXX XXXX in escalations who stated she would have an answer for me within a week, trying to convince me that sometimes they put in the appraisal report order and there's a cancellation fee. I advised I would report this since I received misinformation initially, during and after, I know to be untrue during a loan origination process.

Company response to consumer: Closed with explanation