vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-16 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:
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.

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 explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names

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 2024-09-16 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names

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 2024-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I opened up a savings and checking account at TD Bank. It was required that I maintain a certain balance. I maintained that balance and was not given the appropriate amount of interest the following month. I walked into the bank and spoke with the bank manager XXXX XXXX. He checked my account and indicated I was not the only one who did not receive interest for the month. He assured me two weeks ago I would get the interest on Tuesday. It never was credited.

I followed up with an email and all he said was that it is taking longer than they expected. 
Meanwhile, no interest. This is fraud. This bank has not honored their agreement with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My insurance company paid me to repair my roof. My mortgage company is co-signed on the insurance payment check from my insurance company so I needed them ( Freedom Mortgage Corporation ) to send me the first payment so I can start repairs. 

Freedom Mortgage Corporation stated to please allow XXXX business days for the initial draw ( payment ) once the completed documents are received by them. 

I confirmed by phone with Freedom Mortgage that Freedom Mortgage received the endorsed check and all required documents by XX/XX/year>. I contacted them several times by phone since then to check on the processing status of my initial draw and they always said the check had not cleared in their account. Today I confirmed with my insurance company that the check had cleared. I challenged Freedom Mortgage on why they were delayed, then they said they would expedite my situation on Friday XX/XX/XXXX and that I could expect to receive the first draw in another XXXX business days. This means they plan to hold onto this money for almost an entire month while I'm unable to pay for repairs to protect my home and family. 

It appears Freedom Mortgage Corporation are simply holding onto the insurance repair money I need to repair my home so they can make a profit off of the interest while it sits in their accounts and and have no intention of following their time commitments unless their customers complain about delays. 

I want to draw attention to this unfair practice that must cause even more harm to all their other customers who don't have the time to XXXX Freedom Mortgage corporation and wait on hold for over XXXX minutes every time I try to talk to a human being.

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 2024-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

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 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing will not credit account for XX/XX/year> payment which was mailed. Account past due for XXXX as well as current month. This is the second instance that the servicer denies receiving payment, only to subsequently return mailed items weeks after they have received them. 

Fay Servicing has filed default paperwork against the mortgage as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company in violation of this Law IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

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 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/year> I financed a used car through XXXX XXXX XXXX in XXXX. The amount financed was {$18000.00}. The total cost of purchase on credit, including my down payment of {$800.00} is {$40000.00}. I have made 11 going on 12 payments of {$550.00}. I have paid over {$6000.00} in interest over the past year. My loan payoff amount is {$18000.00}. Exeter Finance is not listed as a licensed entity through NMLS consumer access in the state of Georgia. I feel that this loan is predatory. I feel used and did not have a good understanding of my loan. I feel that I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
In early XX/XX/XXXX, I received a bill from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX attempting to collect unpaid tolls in Delaware ( these were incurred in XXXX, XXXX ). The car was registered in the name of my father, who passed away in XXXX and then became the property of my mother, who died in XXXX, XXXX. The tolls were incurred when my parent 's car was driven from Florida, where they lived, to XXXX, where my mother died. 

XXXX, XXXX, XXXX & XXXX are falsely claiming that this was my car. It was not. My father and I have the same name. He was XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX XXXX. At no time was I ever the owner of this car, even after the death of my mother. 

I called XXXX, XXXX XXXX XXXX XXXX XXXX shortly after receiving their bill and explained the situation. They instructed me to send copies of the death certificates and an explanation of what happened. They said the case would be canceled when they received these. I sent them this information by certified letter on XX/XX/XXXX. On XX/XX/XXXX, I received a second letter from them demanding payment. 

I am am protesting because this is not my debt and this was not my car. I asked them to correct the information in their database but they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
Equifax has reported negative information on my credit file without my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting agency has provided this documentation. This raises serious concerns about XXXX compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear agency : I am writing to formally dispute an incorrect entry on my credit report, which remains listed despite my previous request for removal. I have already received confirmation from the CFPB hat this information should be deleted, as I have successfully resolved the matter in question. 

Name : XXXX XXXXXXXX Account XXXX I kindly request that you update my credit report as soon as possible to reflect the accurate information and remove the incorrect entry. Please inform me of the steps taken to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.

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 2024-09-16 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against LVNV Funding because they failed to provide adequate proof of an account they are reporting on my credit report. I have mailed multiple letters requesting detailed documentation to LVNV on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, LVNV has not provided sufficient proof of the debt or responded with the requested information. 

Specifically, I have repeatedly asked LVNV for : -A copy of the original contract, as I need to understand the terms of the alleged debt. 
-A copy of the purchase agreement to confirm that LVNV actually owns this debt, as I have reason to believe they do not. 
-The last account statement showing a XXXX balance and all statements leading up to the claimed amount of {$750.00}, so I can see how the charges were calculated. 

Instead of receiving the requested documentation, I have only received responses from Resurgent Capital Services, which claims to be collecting on behalf of LVNV Funding. These responses, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all state the same information : that the original creditor is XXXX XXXX Bank, and LVNV Funding is the current owner. The only " documentation '' provided is an " Account Summary Report, '' which is essentially a computer printout from Resurgent Capital Services and specifically states : It is not a credit card or other account statement from the original creditor. '' LVNV Funding has failed to provide proof that I owe this debt, that they own it, and how they calculated the amount they claim I owe. After more than sufficient time and numerous requests, they still have not supplied the necessary documentation to validate this debt.

Company response to consumer: Closed with explanation