vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has reported different time incorrect information that is false, deceptive and misleading on my credit report. Furnishing inaccurate information to the Credit Report Agency ( CRA ) is prohibited. This is a violation of many of my rights and have gotten XXXX  due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues related to the handling of my credit information by Equifax, which I believe may violate the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) US Postal Service I dispute the bankruptcy information listed on my credit report, as reported by Equifax, in accordance with the provisions of FCRA 623 ( a ) ( 5 ) : XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Unauthorized Credit Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Following Accounts : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX I have made repeated requests for proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and account accuracy. Regrettably, Equifax has failed to provide any documentation, raising concerns about their compliance with the FCRA and their duty to furnish accurate information. 
In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
Your prompt attention to this matter is highly appreciated, and I look forward to a resolution that upholds the standards set forth by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 : It also states a consumer reporting agency can not furnish a acco
unt 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 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/23 XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.

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 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX that i didn't give authority for anyone to run on his credit.

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 2023-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My information was exposed in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all 3 major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all 3 major credit bureaus removed and deleted are : XXXX XXXXXXXX XXXX : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON XXXX ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON EQUIFAX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON EQUIFAX. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

XXXX : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

XXXX XXXX XXXX XXXX  : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: FL

Complaint narrative:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. Equifax is reporting on my credit report for XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
It is my belief Rocket Mortgage are overcharging borrowers interest and publishing incorrect information in monthly customer statements. 

Should a borrowers payment be less than the full monthly amount due, Rocket places that money into its Unapplied Account. Money in this account does not reduce the mortgage principal allowing Rocket to continue charging interest on money which it holds in its own account.

The figures and footnotes on Billing Statements are deliberately incorrect and misleading. In the Monthly Payment section, the value for Partial Payment ( XXXX ) : is positive. However, the Subtotal below, uses it as a negative amount. Despite my requests, Rocket have declined to correct this, leading me to believe its an intentional error used to Rockets advantage. 

The footnote avoids mentioning partial payments continue to be charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a complaint to XXXX XXXX and Experian asking for proof of my approval of my debt being sold to XXXX XXXX. This was was never supplied and Experian stated the information and debt was accurate. This is illegal as XXXX is not even a NY company and there is no proof of my permission to sell my debt. I need this removed from my credit report and as I asked for prior, a {$1000.00} for violating my rights. There is an open lawsuit by your company against XXXX recovery for doing exactly 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 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account 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 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have serious concerns that American Express ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process. 

The Company is also failing to acknowledge and directly reply to my inquiries and submissions in this matter. I have spent hours of phone and writing time, in an attempt to communicate the very straightforward facts of this case to the Companys representatives, but have received nothing that could be considered responsive to a dispute which has been pending for 5 months now. 

Very simply put, I have not received the merchandise that was ordered and billed to my account by the merchant. The merchant has provided documentation of some delivery, but not delivery to my address. In fact, the merchants own tracking indicates that someone by the name of XXXX received the package. In the Companys recent rejection letter, it wrote : Please understand that American Express is not in a position to determine if compensation is due If there were true, then what exactly is the purpose of a dispute process? This is a fairly absurd statement for the Companys dispute services team to write. The Company also asserts that there is proof of delivery. This is also not the case. A package allegedly received by someone I did not authorize, whom I have demonstrated is a resident in another unit in my building, is hardly proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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 ACCOUNT XXXX XXXX XXXXXXXX # 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 : It alson states a consumer reporting agency can not furnish a 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 2023-12-03 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: FL

Complaint narrative:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. Equifax is reporting on my credit report for XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
( Subject : ) XXXX XXXX XXXX XXXX XXXX XXXX am writing to express my concern regarding what I declare to be a violation of my privacy rights in connection with the handling of my credit information. After reviewing my credit report obtained from your agency, I have identified collection that raise serious concerns about the protection of my private information. I am requesting the original contract/agreement to verify you guys have the right to report this unverified & unauthorized information. The handling of my personal and financial information is governed by various privacy laws, and I trust that your agency is committed to upholding these standards. The unauthorized access or sharing of my credit information is not only a breach of trust but also a violation of my privacy rights. 

I am formally requesting an immediate and thorough investigation into these matters to determine the extent of the privacy breach and the parties involved. Additionally, I request that you provide me with a written response within 30 days, outlining the results of your investigation and the steps taken to address the privacy violations. 

Please take all necessary measures to rectify the situation, and I expect a detailed report on the corrective actions implemented to prevent such privacy breaches in the future. 

Thank you for your prompt attention to this matter. Safeguarding my privacy is of utmost importance, and I would appreciate your cooperation in resolving this issue.

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 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is a Macy 's store credit card by XXXX XXXX. I have been their customer for years. XXXX months ago, I lost my card and was unaware of it being stolen. I then tried to make purchase online at Macy 's and that's when I realized I don't have my card and it is not letting me to shop online either. I called Macy 's 3 times until the said I have to wait for a call coming from their VERIFICATION DEPARTMENT, to verify my identity and refused to give me any information! Nobody ever called me! Since then I have called multiple times and they blocked my card, accumulated balance, never cared about my stolen card and still don't have a card, am not able to find out what happened to my card, and why am I being discriminated against to this level after them knowing my card is lost/stolen!

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My account is showing 90 days late in XX/XX/XXXX  and 120 days late in XX/XX/. I was not late. My account was up to date due to forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: CA

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is a child support legal item on my credit profile for XXXX. Child support payments do not arrive from a credit transaction and should not be reported on credit reports. Also I have asked the courts did they report a child support notice on my credit report and they stated they did not. So the credit bureaus are reporting third party information on my credit profile. 

They also reported without any notice which is all against the law. I would like the item removed from my credit profile.

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'M a very unhappy XXXX XXXX  customer i have been fighting this problem the you guys for the past few months and i have to do the same thing every time go to my local branch and verify my identit and then I'm dealing with the same problem and I'm sick of always being told i have to go inside of a local branch all I'm trying to do is withdraw my money out my account so that i can pay my bills and your customer services center they are all very rude and disrespectful and hang up on customers you can get a hold of me at XXXX I'm looking forward to hearing from 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 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Ever since I've closed my Amazon Store card I still continue to receive calls regarding this debt. XXXX  ( s ) included ( Violation of Consumer Protection Act ). These are all " robocalls '' while in fact the number listed on the account ( which should be closed ) is listed on the U. S. do not call registry. these continued and unanswered calls are a form of harassment. XXXX has economic tort laws and remedies in in place for restitution in which I will seek restitution against Synchrony for damages for each offense unless I'm offered a remedy on their End. 
Thank you, - 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 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have loancare mortgage company for my home. I paid my XXXX payment on XX/XX/XXXX and the payment went pending through my bank account. Loancare then disappeared! I couldnt get the website to load, i could not get anyone on the phone! It is now XX/XX/XXXX and I still can not get ahold of anyone from loancare! No one is answering the phone or emails! The website is up but will not let me pay my XXXX payment. The payment button is grayed out and when I try to schedule a payment the page gives me an error message and wont load! My account also does not show the payment for XXXX and loan care has applied a late fee even though i paid within the allowed time before a late fee being assed to my account! There is also an issues with my escrow account. It says I owe more than makes sense and did not apply payment. My online account also shows that I owe way more for my XXXX payment than I should!! I get not get ahold of anyone from loancare to address and resolve this issue!! I have no idea what else to do!

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