vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 Capital One opened a card under my SSN without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experience refuses to provide me with an investigative report and continues to report inaccurate, false, and incorrect information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting to my credit. this has been an ongoing issue that needs to be resolved. all items are invalid, none verified, an illegal that is listed reporting on my credit. please review an remove the listed items asap to show the correct items cleared on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-10-16 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: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2023 I requested that my property tax escrow be closed so I can pay my taxes directly. 

On XX/XX/2023 I spoke with XXXX who said that the refund needed a few days to be processed. 

On XX/XX/2023 I spoke with XXXX who told me that the check had been processed and mailed. 

On XX/XX/2023 I called to ask where the check was and spoke with XXXX who said that the escrow analysis had not begun and it would be 7-10 days for them to even recalculate how much money is owed me, then they can mail the check after that. 

This means that XXXX did not tell me the truth on XX/XX/2023 when he said the check had already been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
Subject : Request for Removal of Bankruptcy from Credit Report Dear Equifax, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX bankruptcy but converted to XXXX XXXX. Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : XXXX XXXX has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive 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 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/23, I received a notification from my XXXX account, notifying me of a new hard inquiry on my credit report. I have not applied to anything new recently, and I have no idea what caused this. I believe it said the hard inquiry was made by capital one, which is especially confusing, because I already have accounts with them, and would not need to open any more. Please help me find out what this hard inquiry was caused from and if I can get it removed ASAP, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was withdrawing funds ( {$440.00} ) from my checking account at a walk-up Bank of America ATM in the evening on XX/XX/23, and received an error message that said, the transaction was approved but for security purposes your card has been restricted, call the number on the back of your card. No money came out of the atm. 

I called Bank Of America customer service, and they told me the XXXX came out of the account anyway, and they said they were filing a claim that night. They said they would expedite the claim so the funds would be returned the next business day. 

Monday morning, I call and they say there was no claim filed, and I filed a claim again. They said they would expedite it again. 

Later I call in today, they say my claim was denied immediate review, and that they can hold the {$440.00} that I never received that was in my account for up to 45 days.

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 2023-10-16 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting on my credit report. all data listed is illegal an reported incorrectly. this has been an ongoing issue that needs to be resolved. ive listed all items In question to be removed. please review an delete all information listed to correct my credit report asap.

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 2023-10-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom it may concern, I went to the bank Truist to deposit {$800.00} to my bank in cash to the ATM. The date was XXXX,XX/XX/2023 The deposit went through the atm and showed up on my bank account like normal. Now Tuesday XX/XX/2023 the bank removed the deposit claiming they have never received the deposit. I went to truist, and they said they didn't find any record of it from the ATM. I asked them to investigate more about it because there was no way they were going to remove the deposit and say a month and half later it was never made. I called over the phone Today XXXX  XX/XX/2023 calling to ask what was concluded and what happened to the deposit. The gentlemen on the phone said they concluded the investigation and that the " analyst '' didn't see the deposit made. We kept asking him if they checked the cameras, if they did everything because I deposited that money but again, he was clueless didn't know what to say. As well as members from the bank have told me it has also happened to them. i want to speak to someone hire up and want them to investigate personally and show that camera that I deposited. THEY ARE STEALING, it is not okay.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Recently checked my report and notice a bunch of inaccurate information

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 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX I went to XXXX to have my transmission fixed. XXXX said that they could finance me and put me in touch with American first financial. And I was able to get a loan through American first financial {$70.00} down and {$110.00} biweekly. The total loan was {$2000.00}. I was looking through my paperwork and seen that from XX/XX/XXXX to XX/XX/XXXX only {$200.00} was posted and taken off of the actual principal. I called American first financial on XX/XX/XXXX. The representative said I would had to pay it off within 101 days in order not to get any extra charges. Then the representative came back and told me if I would pay {$700.00} they would call it even. I declined as I wanted to get home and look at my contract. The representative told me that they were fees and not interest rates. 
I got home and the Annual percentage rate is 144.56 %. So Im alone thats {$2000.00} XXXX end up paying {$6000.00} If I continue to pay it until XX/XX/XXXX. 
I also called XXXX I did the work on my transmission and referred me to this third-party lender. I asked XXXX who answered the phone at XXXX who said she was the manager why would you send your customers to such a scam loan place that is deceitful and are praying on people who are in desperate need of getting their car fixed. XXXX from XXXX were not speak with me and hung up on me. That was on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: WA

Complaint narrative:
I have repeatedly requested records and documentation supporting their incorrect late reporting on my credit report. The company has yet to respond to my request or provide any of the requested documentation. 

Section 609 of the FCRA grants me the right to request and obtain all information pertaining to my credit report from the respective credit reporting agency, which includes detailed records of all payments made and missed since the inception of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
I am not aware of how this account was created or used. I never authorized the opening of this account. However, because of this account 's appearance on my credit record, my score has been decreasing.

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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I place a dispute on the derogatory remark of the collection company XXXX XXXX because the company lost their case in court due to fail to attend. Due to this situation this account should not be in my credit report. TransUnion failed to delete this from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have corresponded in writing to EXPERIAN 4 times within the last 4 months regarding the successfully disputed removals of the three debt collection companies from my EXPERIAN credit report. I have inquired as to why I have no XXXX score. I have inquired as to why EXPERIAN is not reporting my XXXXXXXX XXXX XXXX  which I have had in good standing for 3 years. I have corresponded to EXPERIAN with these concerns numerous times to no avail. I have inquired as to what procedures etc. EXPERIAN uses to investigate disputes to no avail. I did contact EXPERIAN on XX/XX/2023, and spoke to a XXXX. She claimed point increases depended on certain criteria. but did not clearly elaborate. I disputed the debt collection companies requesting the following : I receive the validation of the " debt '', actual accounting, verification of the " debt '', actual accounting and the contract binding both the debt collection company and myself. All three of these debt collection companies could not furnace this information to me in writing. I received a letter from XXXX of the debt collection companies advising me of the removals from my credit files and the third never corresponded but was removed as well.

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 2023-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/2023. I received a collection notification from National Recovery System with an account number XXXX on my XXXX and XXXX Credit report. This medical debt is not mine. I have reached out to all three credit agencies to dispute this collection to no avail. This debt is Not mine. I have impeccable payment history and have never paid a bill late. This has affected my credit score tremendously.

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 2023-10-16 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: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Request for Removal of Bankruptcy from Credit Report Dear XXXX, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX XXXX but converted to XXXX XXXX Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : Lexis Nexis has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
I've sent my letter to Equifax to remove inaccurate information and I received a investigation updated information that didn't line up with my initial credit report. I sent in my updated information and it was not applied. I didn't give anyone authorization or consent to tamper with my credit report. I had XXXX and multiple XXXX  and I know I am disputing some other charges as well. 

Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Commercial Services, Inc
State: MI

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX A lady called and while I was trying to explain what happened in the car accident she got upset and began to threaten me about wage garnishment and losing my license because they contacted my insurance and they didnt want to pay. A balance of XXXX was just sent to me I never went to court heard anything from police. Just a call being threatened out the blue. XXXX XXXX is her name XXXX ext XXXX

Company response to consumer: Closed with explanation