vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have already filed XXXX complaint against Truist for multiple withdrawls of my mortgage only to discover this morning they did it AGAIN. This bank is clearly operating under the assumption they can foul up XXXX transactions without repercussions, which is outright 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 explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Report Date : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-06-23 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Is wrong Date opened XX/XX/XXXX Is wrong Adding information to my report with out my knowledge. I have no contact with this company I have tried to dispute this matter. I never receive the original contact information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023, I had learned through my statements that I was being charged 1.6 % of my balance for " Card Security '' payments that I did not register for. The charges include {$0.00} on XX/XX/2023. {$8.00} on XXXX XXXX. {$4.00} on XX/XX/2023. {$26.00} on XXXX XXXX. {$22.00} on XX/XX/XXXX, XXXX and {$19.00} on XXXX XXXX. My statements do not allow me to see if I was charged before 2023. 

I contacted Synchrony Bank and was told that these payments are for an " XXXX XXXX XXXX '' feature that was added to my account through an automatic server. I asked them to rectify and reimburse the money taken from my account without my knowledge and was told I had to contact the security company directly to attempt to fix these charges. 

Please understand that the issue is not the jumping through hoops and extra inconveniencing phone calls that need to be made to fix this- The problem is that Synchrony Bank XXXX adding optional features to people 's accounts automatically without the contracted user being notified, in hopes they don't recognize it and can continue to be charged for X amount of time ( and yes, I check all of my online messages if I receive 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 monetary relief
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
MY complaint : Experian continually gives unauthorized access to my credit report with other consistent violations of the Fair Credit Reporting Act As a direct result the information in my credit report is less than fair, true or accurate. As a direct result any extra information submitted by the consumer is given to the furnisher of the inaccurate information to update that furnisher 's reporting to coincide with the consumers self-reports. 
Please NOTE : all other subject matter of a disputed item is unaddressed. 



I received a message from Experian stating : 1. Your dispute results are currently not available online ==== I have not received the results of the dispute. 

2. AS YOU REQUESTED, THE RESULTS OF OUR INVESTIGATION HAVE BEEN SENT TO THOSE ORGANIZATIONS THAT REVIEWED YOUR REPORT. 
====== I never made such a request. ( Quite the contrary I stated DO NOT share any documentation or evidence I submit or have submitted with any outside parties -- & the agencies listed that reviewed my credit report DID NOT have my consent- ) According to the Fair Credit Reporting Act, the dispute process is to review the accuracy and completeness of any disputed item. I have requested when contacting the furnisher Do NOT share the details of my complaint with the furnisher of the information or vendor that collected the information from any source. DO NOT disclose any information I have submitted regarding the dispute. 

I have requested a copy of Experian 's processing i.e., a copy of the review and consideration of the dispute. ( with every dispute made to Experian I follow up with a request for the report - I never receive this report ) I reported that the furnishers or vendors response to dispute inquiries does not use the information for the purpose intended and I do not consent to my extra submissions and/or documentation being shared with the furnisher or vendors reporting to Experian. 

I DO NOT RECEIVE A FULL ACCOUNTING OF PROCESSED DISPUTES.

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 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I applied for a FHA loan for a manufactured home, was told everything was approved and sent XXXX XXXX deposit of good faith, the day of closing I was informed that they denied the loan based on the age of the property and refused to return my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/23 Capital One 360 advised of closure of my checking account because I complained about their poor service. After several telephone complaints where Capital One 360 refused to properly service my checking account, they subsequently decided to close my accounts affecting my credit and my ability to open another checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: NY

Complaint narrative:
Experian : XXXX  XXXX. ( innacurate reporting, not even a clear date ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( innacurate reporting XXXX not even a clear date ) XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX. ( innacurate reporting, not even a clear date ) XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/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 2023-06-23 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I had identity theft happen to me and called the credit card company and sent a written statement per there request. With that I also had the case number from filing a complaint with the Rhode Island State Police. This issue is still not updated on my credit report and I would like the derogatory remarks and card removed without any issues. This company is the worst to deal with, they never listened. Not only am I unable To obtain and sort of credit, it has made my XXXX XXXX worse, due to the stress. Im attaching the Rhode Island State Pokice report. I want this item resolved asap. I have waited for months. It shouldnt take More than 1 week. Ive had enough, I will have to obtain a lawyer if this doesn't get resolved ASAP. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23 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: OH

Complaint narrative:
XX/XX/2023 this fraudulent inquiry XXXX XXXX XXXX was placed on my credit report affecting my score. Due to 15 USC 1681c-2 this need be removed immediately.

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 2023-06-23 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: FL

Complaint narrative:
There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now XXXX XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with Experian 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

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 2023-06-23 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Apparently my identity was stolen and someone opened a account with Kay Jewelry Comenity Bank I been trying to explain to XXXX XXXX XXXX that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Reported : XX/XX/2023 XXXX XXXX  Account Number : XXXX Reported Date : XX/XX/2023

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 2023-06-23 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is an auto loan on my account that was with Capital One Auto Finance. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. Capital One Auto Finance did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with Capital One Auto Finance to pay off the vehicle and has been paying it, in fact paying it off this month. Capital One Auto Finance continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and Capital One Auto Finance XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but Capital One Auto Finance reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as Capital One Auto Finance is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: FL

Complaint narrative:
There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX 1 time. I have also an open dispute with Equifax as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has my address incorrectly reported. I have tried to get it fixed but they aren't listening. XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX is incorrect. I live at XXXX XXXX XXXX XXXX MA XXXX. This is a XXXX in a XXXX ( XXXX XXXX XXXXXXXX ).

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 2023-06-23 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX XXXX  I purchased a dress at a store which unbeknownst to me had a broken zipper. I immediately tried to return it, same day, and the merchant refused to help. 
They are an unscrupulous business. The woman working there do not speak english, and were nasty, and embarrassed me. 

This is in response to Citibank 's resolution of the dispute of {$59.00} at XXXX XXXX which is not in my favor. I have already submitted to Citibank in detail the nature of and reason for my dispute for the charge of {$59.00}, which was for a dress I was sold with a broken zipper. I have already attempted to no avail to return the dress to the business on XXXX XXXX XXXX which was the date of purchase. I will no longer engage in any further communication or interaction of any kind with this business either in person or by phone. Nor will I ever set foot in this business again. Firstly, there is a language barrier. Secondly, I will not lower myself again in an attempt to persuade or prevail upon non-English speaking individuals who see me as a nuisance and a joke at my expense. Individuals who have taunted and humiliated me within earshot and in front of other customers. It is not possible to reason with the unreasonable and unyielding. 

I have been a cardholder with Citibank for 12 years. I do not have a history of opening frivolous disputes over purchases using this card. With that all being said, I do expect my credit card company to support and protect me from unscrupulous business and their senseless policies. My dispute is about being sold a damaged item where the damage wasn't visible or obvious until after I purchased it. I simply wouldn't have made this purchase had I clearly seen the damage beforehand. The dress is unwearable as it is, unless I invest more money to have it repaired by a tailor. At my discretion and preference, I will not pay additional money to have the dress made wearable. This dispute should have been resolved in my favor weeks ago and Citibank has allowed it to continue.

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