vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, TransUnion, and XXXX ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and XXXX at all! The only response I received from TransUnion was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by TransUnion, XXXX, and 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 2022-12-01 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:
When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, XXXX, and Experian ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and Experian at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, XXXX, and Experian.

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 2022-12-01 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: GA

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

Account name : XXXX XXXX XXXX Account name:XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX. 

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 item of information Any other adverse item of information, other than records convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to an 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XXXX XXXX XXXX  reported 3 charges, to Capital One that weren't mine, total amount {$41.00}. Two letters dated XXXX XXXX sent by Capital One to me stating matter resolved and new replacement card sent with new account information. New card never sent, on or about XXXX XXXX company requested copy of my driver 's license faxed to them, I immediately did this. Company called back copy not clear. Since this time I have mailed XXXX hard copies of license ( USPS ) ; faxed at least 5 copies to them from different machines, all copies not clear ; and sent 3 copies to a secure website company provided. None of these copies clear. I have sent email to company CEO asking help in getting my new card, no reply. Don't understand how all copies are not good. I still receive monthly statements showing no balance and no activity, the Company will soon close my account because of this, I very much want and need this account. I have an excellent credit rating and 100 percent pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a business account with Citizens Bank at which I use a credit card XXXX, called XXXX XXXX to accept credit card transactions. XX/XX/XXXX I accepted credit card transactions at my business event, a total of {$160.00} at which I have yet to receive payment for. I called Citizens Bank 3 times and spoke with XXXX, XXXX, and a supervisor by the name of XXXX. XX/XX/XXXX XXXX told me that the funds was being held by the fraud dept but she didn't know why, and was unable to let me speak with someone in the fraud dept because it wasn't her dept. and no one was available at the time. After being on the phone for over an hour XXXX called me back to inform me that they held {$88.00} for a debt that I owed and {$80.00} would be released XX/XX/XXXX. I asked XXXX what debt I owed and why wasn't I informed that I owed, XXXX again said she doesn't know because she is not in the fraud debt. I left a message on the fraud dept voicemail since no one picked up, on XX/XX/XXXX, I asked that someone would call me back. The fraud dept has yet to call me back or respond in ANY form of communication, no letter, no call, no email. I haven't received ANY of the {$160.00} that I worked so hard to get. Please help me to get the {$160.00} back that I worked so hard to get. I would also like this matter to be looked into and STOPPED because not every person has the knowledge of the rights in America or have the time to invest in this matter. I've spent days already trying to get MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for TransUnion and XXXX has No date reported. 
The date of last activity for TransUnion XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for TransUnion XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for TransUnion XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by TransUnion XX/XX/XXXX, XXXX no date, XXXX no date, Date of last activity TransUnion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate TransUnion {$5900.00} XXXX {$5900.00}, XXXX {$6300.00}, Creditor Type : TransUnion has XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Used this is inaccurate. 

Last Payment is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length TransUnion 62 month, XXXX 62 months, XXXX has no term reported, Last payment TransUnion XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : TransUnion {$1500.00}, XXXX : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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 am interested in disputing all incorrect information with Equifax because checking my file alot of information is invalid. it is hurting my file an needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I'm a veteran I have already used my VA benefits to buy one home, so I decided to use it to buy another home with Rocket Mortgage. I submitted all the necessary bank statements and proof of Income, along with all other requested documents by Rocket Mortgage, so they sent me out a Pre-Approval Letter. The Pre-Approval Letter was to be updated to an Approval Letter after Underwriting had verified all the support documents and signed off on the loan. Shortly after I received an Approval Letter stating it was signed off by Underwriting and a {$1000.00} dollar guaranteed to close document as well. After I received that letter, I found a house after I identify the house, I received a call from XXXX Money of Rocket Mortgage stated that my Approval was being retracted because my income was growing too fast for 2022. So, I ask what does that mean? XXXX, said that was what she was told by Underwriting she told me to call Customer Service which I did, and they stated the same reason. My Income is in the form of a Clergy Housing Allowance which was verified by my Employer, Bank Statements, Three years of Tax Returns along with XXXX XXXX XXXX XXXX as per the IRS guidelines. This has damaged my credit and my reputation along with causing me undue hardship due to a loss of potential Income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest Bank Mortgage Division merged with its parent company, Arvest Bank, on XX/XX/XXXX. Despite promising no change in the servicing of mortgages ( letter dated XX/XX/XXXX ) the company proved incapable of mailing out statements or processing payments in a timely fashion so that payments could be made by the due date. 

I called the company to find out my status on XX/XX/XXXX, and was informed that statements had been mailed out on the XXXX. I called again today, XX/XX/XXXX, the due date for payments, and was informed " don't worry, you have two more weeks to make a payment ''. I was not given any date to expect a statement. The person I spoke to refused to identify herself or her supervisor. She refused to send an email giving me this information in writing. She told me if I emailed Arvest Customer Care that " maybe '' I could get a written confirmation of this information. 

She also told me that I could make a payment over the phone, but only by providing permission for Arvest to deduct directly from my bank account, which I refused to do, since they have proven themselves demonstrably incapable of professional management. I could also make an in person payment to the bank, but that would involve taking time off work, and she could not assure me when this payment would be applied to my account. 

I do not understand why a mortgage company, to which I had made on-time payments for almost six years in a frictionless fashion, is suddenly incapable of its ONE JOB because it merged with its own parent company! Nor do I understand this lack of transparency or willingness to provide information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TX

Complaint narrative:
XXXX is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a XXXX XXXX on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been thirty days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If XXXX is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a XXXX error. 

I spoke with XXXX XXXX from XXXX offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.

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 2022-12-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In accordance with the fair credit report act XXXX my right have been violated. 

15usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it will also states a consumer Reporting agency can not furnish a account without my written instructions.

15 usc 1666B states a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Around XX/XX/2022 answered an employment ad via indee.com. An individual sent me a check thru a legit company but ended up being fraudulent. Being careful, I had only {$26.00} in my checkingg acct to protect myself if check was in fact fraud. Wells Fargo allowed and fronted {$3400.00} to this individual without my knowledge then relaying blame to me, its client, with prejudice. Wells Fargo instigates, advocates and promotes this fraud system which happens to be XXXX without consequences because seven banks including Wells Fargo owns this service. I had my local police get a signed warrant from a judge to get information from Wells Fargo and to this date, Wells Fargo is in noncompliance of satisfying the judges order. They have ignored the warrant because their belief is no government consumer agency can touch them. I still get updates from the XXXX but advises still no additional information from Wells Fargo. Wells Fargo has indicated they are going to put my account in collection for the {$3400.00}. I am only XXXX XXXX XXXX and feel my XXXX dollar bank should have protected 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 non-monetary relief
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX trying to collect a debt I never made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited my son XXXX check in my account chase froze my account said I have to prove thats my child and why I got the funds..

Company response to consumer: Closed with explanation