vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: U.S. BANCORP
State: CO

Complaint narrative:
I have an old late pay on my account that is since closed but i don't ever remember having it. I am always set up on automatic payment so I'm confused how this late pay is on my report. I have tried contacting them to get it removed. The address they have for me isn't even an address i had. Can you help me to get this removed as it is damaging my credit score and keeping me from getting the best interest rates.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
A USAA saving credit was opened in my name. However I didnt make any inquirys on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
As of this date, XX/XX/2023, TRANSUNION has not UPDATED my credit report. My credit report is reflecting OLD information and I am attaching screenshots of the information TRANSUNION is reporting to validate my claims. As a result of this OLD information, my FICO score has dropped XXXX points!!!! This should NOT be the case!!! My creditors have all reached out to TRANSUNION via USPS mail and fax to REPORT that I have XXXX balance!!! I do NOT OWE anything nor do I owe any monthly payments to any of my creditors!!!! By now, my FICO score should have increased by MANY points because of my EXCEPTIONAL payment history instead of dropping!!!! I shouldn't have to need the intervention of the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) to have INACCURATE information on my credit file CORRECTED!!!! I have a LEGAL right to ACCURATE CREDIT REPORTING!!!!

Inaccurate reporting AFFECTS my relationship with my creditors!!!!!!

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I been a customer with this bank since 2006. I pay this credit card off three times. I have called them in the pass when they were called Wachovia & they adjusted my interest rate. Wells Fargo is saying that they do not adjust interest rates because they only for credit worthy when credit card was first issued. My credit card was issued by Wachovia & my credit score was over XXXX. I believe that Wells Fargo is being unfair charging me 16.2 % interest rate with out no way of reducing it.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Late fee of {$7.00} should be waived, my balance was XXXX, and XXXX credit card played a game with me, they added the disputed amount of {$240.00} in the balance and then immediately charged me the late fee of {$7.00} they should stop playing these games with the customers. 

They are unnecessarily wasting a lot of time on the phone to verify the account and filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received my report from Early Warning system and there are 18 different accounts that I didnt open under my information. Some accounts have addresses from Alabama some accounts have an entirely different social security number but its tied to my drivers license. This is honestly so scary that an agency can damage your credit with inaccurate information without any consequences. The accounts in question are : XXXX ( XXXX this account is with an different SSN ) XXXX, all XXXX accounts XXXX account numbers : XXXX. This is actually ridiculous. I have attached all verification documents to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I called and tried to tell them this is not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I APPLIED FOR MORTGAGE AND I WAS TOLD THAT I WAS DENIED INFORMALLY THROUGH EMAIL COMMUNICATION WITH A SENIOR BANKER AT ROCKET MORTGAGE. 

THEY HAVE REFUSED TO PROVIDE ME WITH THE DIRECT REPORTS THAT INDICATE A LOWER CREDIT SCORE THAN RECEIVED DIRECTLY FROM THE CREDIT REPORTING AGENCIES THEMSELVES. 

I can not find the disputed accounts on either Bureau with my reports and I have not disputed anything. Perhaps it says previously disputed, customer disagrees but closed from a long time ago. But I can't find the accounts he mentioned. 

" YET I BELIEVE THEY ARE ALTERING THR SCORE AS THEY ARE SIGNIFCANTLY FLUCTUATING BETEEEN VARIOUS LENDERS AS I HSVE ACCESS TO THR VARIOUS SCORE MODELS. '' THEY HAVE COME UP WITH ONE EXCUSE AFTER THE NEXT ... REQUIRED A SIGNIFICANTLY HIGHER DOWN PAYMENT THAN REQUIRED FOR FHA LENDING.

ITS LIKE SOMEONE WROTE STUPID ON MY FACE AND JUST WANTS TO TEST ME EVERY CHANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
This is my formal complaint to SANTANDER CONSUMER USA for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am not getting copies of the verification report per the FCRA. This is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RGL Associates, Inc.
State: GA

Complaint narrative:
I got sued for a medical debt. It was turned into a collection agency and I was sued for the amount of money. I did make payment arrangements and paid the amount each month as arranged. I noticed that the amount was not being deducted from my account. I reached out to the company several times to try to resolve the issue. The company never responded and sued me again to have my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My cd matured XXXX with ally bank. Two weeks ago I gave them instructions at maturity and asked for a confirming e mail. I was told you would have it in two days. Never happened. Then I was told two days before maturity. 12 calls I recieved nothing. Today it matured and they refused to e mail the instructions given. I dont trust that the funds will be wired as promised to my chase account. They told me a Letter will be mailed. They should be fined and removed as a bank. They are a disaster

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 2023-08-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process

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 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

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 2023-08-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: MS

Complaint narrative:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

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 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ive submitted multiple letters to bureaus and not once has anybody sent me a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I requested a balance transfer from my Citizens XXXX XXXX on XX/XX/2023. Citizens does not warn/advise WHEN the promotional rate will expire. It's not online on my credit card account nor is it listed in my monthly statement. The only way to determine the expiration date is to call customer service. 
While the balance transfer process likely disclosed the expiration date when I requested it, I failed to make note of it at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, Experian, and XXXX. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.

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 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I have a dilemma and don't know what to do. Looking for your help. I applied for a mortgage and my lender told me my credit score was XXXX. He noticed I have an account from Ally that is reporting car loan 30 days late from XXXX last year. I have documentation that proves its not correct. I called them and they agree so I try to get rescore with my lender. The lender gets their credit company to call Ally to verify and they tell credit reporting company different story. I get on the phone with lender and Ally and here 's the story. 


I contacted Ally last year in XXXX to do some type of split payment agreement due to just starting my job. They told me on the phone that in order for it to take place, I need to receive documentation from them and send in {$99.00}. The rep told me and my lender I sent in the {$99.00} on XXXX at XXXX before they sent out the contract agreement at XXXX. So they counted that payment towards prior agreement and not for new agreement thus I was late! They are going to do investigation but it takes 45 days and they don't guarantee anything. I am appalled that this has happened to me because they never sent anything afterwards notifying me that the arrangement didn't go through and that I was late. They also sent me a payment history and it shows I wasn't late. According to my lender, having a 30 day late payment severely drops your credit score if it is within 1 year! 

Trying to do the right things but being punished because I sent in monies early instead of not sending, is absurd. I can not get a mortgage because my score is below standard credit scores because of this! Please help me!!!!!!

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 2023-08-23 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX a call from someone stating a process server was coming by. Nothing. XXXX same thing but got a telephone number, but both are not owned by XXXX XXXX They say it is a credit card debt for {$7700.00} from XX/XX/2003 and I signed a waiver to waive credit write off to a Providian Bank now owned by Chase Bank who has no record. XXXX at XXXX (? ) Says I can either settle in court which is in a different county where the complaint was issued and my home. The addresses given where I once lived are wrong in dates. Was going to send email with information and today wouldn't give a private investigator 's name nor number. He kept saying their will be a lien on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Recently Ollo Credit Card Company was taken over by Ally Credit Card. My account was compromised while it was Ollo Cards. I have since received a letter stating an investigation has been done, and I am not financially responsible for any charges. I wrote Ally a letter stating how incapable their employees are, I feel they decided to open up the case once again. Adding the charges in disagreement on my credit card. I paid off my remaining balance so I could close this account. There's no reason for them to open up the fraud case again, other than Ally Credit Card, with their lack of employees knowing what they're doing, than to try and intimidate me.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access

Company response to consumer: Closed with explanation