vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP
State: MD

Complaint narrative:
Laurel Road Bank was reporting a charge off on my credit report dated XX/XX/XXXX. I called Laurel Bank and they stated they do not have an account in my name. I disputed this charge off with all three credit bureaus this XX/XX/XXXX. Instead of removing the charge off, they re-aged it as new charge -off and now updated my report to reflect a new charge off date of XX/XX/XXXX. In essence they charged off my account twice for the same amount. I have tried contacting them but they keep telling me that I dont have an account with them. When I dispute it they re-age my credit report. This has happened twice because I disputed in XX/XX/XXXX and they re- aged it then. This has caused my credit to drop significantly and has caused me harm to my person and my business. I am in need of a loan for my business due to a disaster however I am unable to get one because the credit bureaus and Laurel Road Bank is reporting inaccurate information on my credit report and when I dispute it they make it worse. They took a 4.5 year old charge off and made it a recent charge off. And when I call Laurel Road Bank they tell me they cant see an account recent or past in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On XX/XX/year> at XXXX, I had a conversation with XXXX XXXX at Rocket Mortgage, who called me to advise that they would look at reducing my loan by {$20000.00} and removing my mortgage insurance from the loan. During that conversation, XXXX advised that he could remove the payments I make towards mortgage insurance, and that they would. They did a soft credit check and said even though my credit score was low, they could still remove the payments toward mortgage insurance. He said they definitely could which was promissory. On XX/XX/year>, at XXXX, I received a phone call from a representative at Rocket Mortgage claiming to be a banker. They did another soft credit check and said that an FHA loan requires mortgage insurance to be on there for 11 years. Both parties had the same information accessible to them at the time of the phone call. The FHA had been in place during both phone calls, and XXXX should have on file that this was an FHA, and if what the second representative said was true, should have advised. It was an unlawful business practice for them to guarantee me a product or service and then do the opposite. Both phone calls were recorded. At this point, I am holding Rocket Mortgage accountable for promissory estoppel, and will seek appropriate legal action, including but not limited to filing this complaint, and potentially seeking adjudication against Rocket Mortgage for their actions. I request for them to be held at their guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 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 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self had being illegally violating my rights as a consumer, by reporting my information to consumer reporting agency ( XXXX, XXXX, XXXX ) .15 US Code 1681 ( b ) - Permissible purpose of consumer reports states that any consumer report agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) in accordance with the written instructions of the consumer whom it relates. I did not give verbal or written consent to any consumer reporting agency to share my information. This is a clear violation of my rights under 15 US Code 1681 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for XXXX few years because my husband at that time was given an XX/XX/XXXX for XX/XX/XXXXyears outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost XXXX properties here inXX/XX/XXXX XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed Citibank directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( XXXX XXXX, XXXX ) without my consent and after XX/XX/XXXX years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to Citibank for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my XXXX XXXX house, located XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I ordered a pair of XXXX XXXX from XXXX, a resale website. When I received the shoes, I was skeptical of their authenticity and I sent them to be authenticated by professionals at XXXX. XXXX confirmed the shoes to be fake. 

I called the number on my receipt provided by XXXX multiple times and it gives a busy tone no matter what time I called. 

I have all my receipts for the purchase and the authentication process at XXXX. 

I contacted capital one in an effort to dispute this charge & they are not helping regardless of the requested documents I uploaded for them. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 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 2024-06-19 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: NC

Complaint narrative:
I am a victim of identity theft this credit card and address should not be on my record XXXX XXXX Date opened XX/XX/XXXX Balance {$640.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. I never had this account or address never lived XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2024-06-19 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:
Experian and XXXX continue to report inaccurate and false information. The account they continue to illegally display on my report was protected by the CARES ACT during the covid 19 pandemic, as well as fcra laws. 

XXXX XXXXXXXX XXXX XXXX is the account in question. 


According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX and Experian, but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX XXXX XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX and Experian, have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX and Experian, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If XXXX and Experian, fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations.

Currently Experian will not allow me to speak to anyone on the phone and making it extremely difficult to file a dispute or request info. Which is fraudulent behavior.

This unauthorized reporting has caused great pain in my life.

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-19 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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