vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We have started the assumption process for a VA loan with Freedom Mortgage in XX/XX/2023. After providing the initial documents requested, we heard nothing from the loan processor until just before XXXX. He requested other documents which we provided, but we didnt hear anything back until late XXXX or XXXX. However, the person we heard from was a new processor. We had to start the process over, providing the same documents to processor number two. Processor number two requested additional documents which we provided but havent heard anything from that processor only to learn that she no longer works there and we are on processor number three. We have updated the documents, provided additional documents and extended the closing date for XXXX XXXX, but have not heard anything regarding this closing date. We do not know the status or if we are even receiving a closing date. We are all very tired. This should never take this long. I have reached out to the new processor several times as has my husband. We are on the by side of this period the sellers are very tired and we are all losing money waiting for someone knowledgeable to process this loan.

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 2024-03-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have inquiries on my credit report that I did not apply for please help I also have negative info such as a late payment which is not accurate.

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 2024-03-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have inquiries on my credit report that I did not apply for please help I also have negative info such as a late payment which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Scam. They offered {$300.00} to open an account, but you have to make XXXX direct deposits within 90 days. They knew that there is a large enough delay in social security direct deposit changes that it is impossible to get XXXX in 90 days. 
They have changed this now to XXXX direct deposit in in 90 days. 
I closed my account when I realized I wasnt going to get the {$300.00}. I opened my account in XX/XX/XXXX. When I immediately tried to switch my direct deposit to the Truist account SSAs website it told me the first direct deposit couldnt be made until XX/XX/XXXX. 
I then noticed Truist had changed the offer to require only XXXX direct deposit. I suppose they realized their scam. 
I think they knew this would not work out. Its a clever scam to do on people that have never attempted to change accounts on XXXX. 
I believe they should reimburse anyone they may have burned by this and didnt get their {$300.00} or had any service charges because of it. It just wasnt good faith and their recent change proves that they know they were taking advantage of people.

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 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On or around XX/XX/24, I'd made an agreement and ACH payment request to resolve current payment. When asked if I would accept a return call in regards, I'd stated yes and provided my main/ only contact number of XXXX which is on file and was provided during the initial process of receiving the loan. On or around XX/XX/24, I'd received a call on my private work telephone number harassing me to call a representative by the name of XXXX at the number of XXXX. During my conversation on or around XX/XX/24, I'd stated to the representative to make note an additional payment would be made on or around the week of XX/XX/24 and to use my main/ only contact number provided of XXXX. I did not give Dividend Finance permission to call my private work telephone number. During the recorded conversations, it was clear instruction to call my cellular phone as my main contact if needed. I never agreed for Dividend Finance to call my work phone. I assume they've obtain the work number by the usage of calling them to have clear reception while conducting a call at work. I feel this act is considered harassment and unfair when clear instructions were provided when in need to contact me regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous inaccurate negative accounts. this has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this. Not only has my character been defamed, but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that you company has ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. you company is in violation of several federal laws including the responsibility you have to protect my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
I've obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous inaccurate negative accounts. this has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this. Not only has my character been defamed, but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that you company has ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. you company is in violation of several federal laws including the responsibility you have to protect my privacy.

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 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Received debit collection statement from Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX claims I owe them {$60.00} ; however, this debit has been paid. Furthermore, XXXX XXXX billed my insurance incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one auto finance, XXXX XXXX, XXXX, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted Capital one and XXXX and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted Capital one auto finance and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an inaccurate late payment entry on my credit report. I have consistently made payments on time for this account, and it is causing me immense stress to see this incorrect late payment entry. I have never faltered in my commitment to timely payments.

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 2024-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report. After reviewing my credit report, I discovered an inquiry that I did not authorize or recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as allowed under USC Law 1681i. Upon reviewing my credit report, I have identified several items that I believe to be incorrect.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I have written LEXIS NEXIS many times to request a simple security freeze on my account so that no third parties would be able to access my file. 

This is a basic right afforded to me under multiple federal laws. 

Yet each time I write to request a freeze, LEXIS NEXIS fails to place the requested security freeze on my account. 

Nothing has changed about my personal information. I have resided at the same address, where I own the house for 19 years. My address is the same. Phone number. Name. Email Address. Social security number. None of my personally identifying information has changed in the last 20 years. 

Yet LEXIS NEXIS has failed to place the security freeze on my credit report. 

Further, they have failed to answer my multiple letters demanding they supply me with specific reasons they have failed to address my concerns. My last letter to them ws dated XX/XX/2024. 

They are committing fraud and harming me by their deliberate failure to protect and enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I engaged in day trading with my rent funds last Friday, intending to withdraw them today to cover essential bills. However, my account is currently locked on Robinhood, preventing an immediate withdrawal. This unforeseen circumstance has caused a delay in meeting my financial obligations. I seek assistance in resolving this matter promptly, or I may need to consider legal action. My rent is due today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
so capital one bank on XX/XX/2023 i deposited my XXXX check, then on XX/XX/XXXX the funds were taken from my account i never received a notice anything. i called the bank and, the first story they told me was that a check was written from my account for that amount i informed them that i do have checks, they said the funds would go back to my account. weeks go by no response from them. i called back and was told that someone attempted to cash the check at another location " XXXX XXXX '' i called XXXX  they informed me of my identity being stolen and that they didn't receive the funds, but send me a letter stating they caught the fraud and i was not liable. i also called the issuer of the check and they said that the check was cash and paid out to my bank capital one. capital one informed me that they were holding the funds until they complete investigation which takes XXXX  days. never got a response called XXXX different times no response never got a notice anything its been XXXX monts now. by them taking this money out of my account it overdrawn by {$900.00} and after XXXX  days overdrawn they closed my account. investigation was never completed never responded to. and my money is just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief