vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: PA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-10-26 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: PA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/XXXX I phoned Ally concerning a late payment that was reported on my XXXX Credit Report dated back on XX/XX/XXXX. I was a co-signer on a vehicle for my ex wife. It has now been XXXX XXXX and XXXX XXXX and I called Ally Financial to reference this negative mark on my credit ( it was on all three bureaus but was taken off of XXXX ) when I wrote to Ally Finanical but it was not removed from XXXX. During that phone call with Ally Financial I was told that they had no record of my Name or Social Security number for this. I asked if they had any info and they said they could not find any info. I asked then that it be removed. I was told I need the the Vehicle in question that was bought in XXXX by my ex wife who paid it off and does not have that vehicle or any information on it. My issue is they don't have any information regarding me and the negative mark that was put on my XXXX credit report. I have wrote and phoned Ally Financial. I have the account number and they ran it in there system and said it was incorrect but the account number shows up on my credit report. Can Ally be contacted to fix 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi there - I was assessed a {$160.00} interest charge on XX/XX/22. Per the card issuer, CapitalOne, this is due to the balance carried between XX/XX/22 and XX/XX/22 ( when the full balance was paid off ). Please note that I had been on a multi-month promotional XXXX XXXX interest that concluded on XX/XX/22. 

I had disputed this charge with CapitalOne because there I received no notification/warning, including in the ( XXXX ) statement, that one must pay down the balance in full by XX/XX/22 to avoid incurring interest. Instead, the statement 's only key date provided was XX/XX/22, the " Payment Due Date ''. While I should understand the terms in full and track the promotional period, CapitalOne bears responsibility for keeping consumers aware of potential upcoming fees, which would involve a simple notification at the top of their billing statement. CapitalOne reviewed my case and said there's nothing they could do on my behalf. 

With the proliferation of XXXX XXXX interest offers, it almost appears as though card companies are banking on consumers missing the program end date and/or misinterpreting the terms so they can charge interest. This practice, while legal, should be frowned upon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX In XXXX I applied for a home re-modification and I was told not to pay my monthly mortgage. I was approved within XXXX XXXX and received my new mortgage and started payment right away. At that time I never looked at my Credit scores or report. I then looked to purchase another home and during that process learned that OCWEN Loan Servicing had placed negative marks on my credit report. Its been XXXX XXXX XXXX XXXX and I called to ask OCWEN questions regarding why this was placed on my report when I was told I could not make a payment. I have wrote letters and phoned them with the only response being that the account was closed and transferred to PHH Mortgage. I continue to contact them in an attempt to have the negative marks removed. I have also written PHH Mortgage to see what they could do with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: VA

Complaint narrative:
I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the three credit agencies, EQUIFAX, XXXX AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX  XX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!

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 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I froze my son 's credit file with Experian and received today a notice about a dispute resolution for his account, but I am unable to get somebody at Experian to explain to me what the actual dispute was. I suspect identify fraud, but Experian only offer s the option to submit the same paperwork again which does not address the 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 2022-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update from case # XXXX : Each time I dispute Experian take points away and make old delinquencies appear current delinquencies Experian updated my report with inaccurate information show I have recent delinquencies 1. XXXX XXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Showing as of XX/XX/XXXX I have a balance of {$650.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 27 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Updated inaccurate Problems as follows : A, Showing as of XX/XX/XXXX I have a balance of {$590.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 26 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Status Inactive. ( This is closed and has been since XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX A. Shows 26 hits of 30 days late CORRECT INFO ( late 6 times XXXX XXXX and XXXX and XX/XX/XXXX Charge off was XX/XX/XXXXXXXX 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card company has restricted my account because I have made too many payments out of my business checking account. Credit card company has requested numerous amount of paperwork to prove that I am the owner of the business checking account that I am using, and I have submitted numerous paperwork to prove this, but every time I call in, Credit card company keeps telling me what I have submitted is not good enough. I have wasted countless hours dealing with this starting on XX/XX/2022. My account is still restricted. I just want this fixed. I have told Credit card company this is financial discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
My wife and I are behind of payments, and we try to pay split but the mortgage company is not accepting split payments anymore because there is XXXX behind payments that we couldn't pay. this situation is happening because we got covid and both of us couldn't work. so right now we own {$15000.00} dollars to the mortgage company, we needs some help because we can lose our home, and we don't want that happen. we didn't know about this federal application that the government could help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX XXXX  I tried to XXXX XXXX and Citi Bank found it supicious and blocked my checking account. I called immediately and according to them because the number on file is under another persons name they can verified my identity. Ive told them is my number and if they want they could have call me or send me a text with a code or something so, they just hang up on me several times but I cant still access my account no ones give me a solution. I have recorded it few of the calls and still they keep hanging the phone on me. I also ask them how do they determine is not me if I have gave them my SS #, DOB, address etc! They say that they go through public records to verify the number account holder therefore they can see is not under my name. For me is absurd because when I opened the account this was the number I used since they one. I believe this is illegal especially if they dont give me a solution to the matter. Right now still cant access my checking account but I can use my savings. I need help asap. Thanks,

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can u please delete the " duplicate hard inquiry request '', thats what " XXXX XXXX XXXX '' told me to say in this report that it was done in error. They said they dont know how or why that is showing that they only requested XXXX time on " XX/XX/2022. I know nothing about this new inquiry qt all. 

As i will provide documentation of the duplicate inquiries. I also froze my accounts and reported to the XXXX  for further security measures. Thank you so much. 

Inquiry : XXXX XXXX XXXX XXXX XXXX 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 2022-10-26 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: LA

Complaint narrative:
This information has been reported on my account unlawfully I have reported to this company that this information was wrong on my account, and I provided all required documents to provide them with proof and they still would not remove the item from my credit profile. This situation has caused hardship for my life.

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I recently filed a complaint with the company about a debt that they have put on my credit report that does not belong to me and is the result of my identity being stolen. After I filed the complaint they sent me a email with an affidavit that I needed to fill out for them to start an investigation which would take up to XXXX XXXX. I submitted the affidavit by email as requested and not even XXXX XXXX later I received a email stating the investigation had been completed. I called the company and they agreed that the investigation was not complete and a specialist would reach out to me to get this taken care of. I still have not received communication back since XX/XX/2022. Then they closed this complaint. I dont believe a proper investigation has been completed in such a short time and asking for a explanation and proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I cant enroll in online banking, I submitted a claim with CFPB under the claim XXXX XXXX and case id from Wells Fargo XXXX XXXX That claim wasnt solved and I was requested to call online banking, I called today and they said that my phone can not be verified and I need to submit a claim to have that fixed first so then they can enroll me. That process takes more than XXXX XXXX so I need to have this fixed NOW. more than XXXX XXXX  without access to my account My mobile phone is working and is the same as you have in Wells Fargo system, XXXX 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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent in a compliant to XXXX XXXX about how Experian is reporting this account. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX who stated they are not reaging the account. It is XX/XX/XXXX and my account is reporting XXXX voluntary surrender. Please explain how a car from XXXX is reporting as XXXX? I want this fix by XXXX XXXX so it can be reported correctly. XXXX XXXX made a business decision to close the account on XX/XX/XXXX but that should have not affect my credit reporting dates. I do not want the excuse it Experian doing this because it is the information that XXXX XXXX is giving them. I want proof that XXXX XXXX is telling Experian to state First Delinquency date should be reporting and it should not have a closing date of XX/XX/XXXX because of the business decision you made. You really do not think this is re-aging if it is not what do you call if it the car was surrender in XXXX but is reporting XXXX? I do not get it. I want to someone from XXXX XXXX to call Experian and get this straight out or I need a letter in writing stating this account should reporting XXXX voluntary surrender not XXXX when XXXX XXXX did the business move to closed the account. Once again, I do not want to hear it is Experian it is XXXX XXXX so please fix this. I'm asking for this to be fixed. I will not accept it is Experian as an answer. It is an easy fix to call Experian and let them know to update my account to state XXXX for voluntary surrender. I did not have a contract with EXPERIAN I had a contract with XXXX XXXX so I need you to fix this!

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