vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: CA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I beilive that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; must be updated to reflect accurate information on my Credit File.

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 2022-11-15 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: CA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I beilive that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the XXXX Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; must be updated to reflect accurate information on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest Bank and Arvest Mortgage have recently merged, creating many issues. 
- Online payment systems aren't accessible - Phone support is lacking and can not provide information - Information about the merge has a date of XX/XX/2022 on the letterhead but customers didn't receive the letter until early XXXX notifying us of the change less than a week away. 
- XXXX XXXX was slated to be the day that the mortgage information was back online, but it's now XXXX XXXX, and the website still is not functional. 
- Poor communication : Customer support is unable to provide a date - Potential Credit Score hits : I'm concerned that my account may show that I was late on my payment due to this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : PHH MORT SVC XXXX Date Opened : XX/XX/XXXX Balance {$470000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, Transunion llc, and XXXX. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; 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 ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-15 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 a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, XXXX XXXX, and Equifax. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; 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 ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX- XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}

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 2022-11-15 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: MO

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}

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 2022-11-15 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: MO

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CA

Complaint narrative:
I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has not been followed by the XXXX, Experian, and XXXX Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :

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 2022-11-15 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I identified 8 transactions to go into US Banks Promotional Feature XXXX 
Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. 
Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX  program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. 
US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. 
By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. 
So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. 

US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement.

Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. 
They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to 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 explanation
Consumer complaint received 2022-11-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX/XXXX XXXX XXXX XXXX  account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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 of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 's reporting agency if the person knows or has a 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 2022-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX. XXXX XXXX Section XXXX A Section XXXX : It also States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation