vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused.

By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 3 days, I will follow up with a legal suit. Because this is fraud. I asked them to cease and desist from contacting me by phone, by my employer 's phone, and by entering information on my credit report. Please remove it immediately! 
Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Please remove it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on Experian it shows and XXXX that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported XXXX multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST PORTFOLIO SERVICING INC
State: AR

Complaint narrative:
I contacted this company REVVI there was an inquiry from them on my credit report as I know I never applied. The credit bureaus supplied me with their phone number and when I spoke to them I found out there was an entire account recently opened under my name. I LET THEM KNOW I NEVER AUTHORIZED THEM OR ANYONE to open any accounts under my name and social and to remove that immediately. And also never lived at the address they have repeated to my credit report either attached to this account! 
Especially since I caught it early via the inquiry. 
Now weeks later they still have the account OPEN and had actually placed it on my credit report even AFTER me contacting them about the fraudulent account KNOWING that it is fraud. If they do not remove me out their system and delete this FRAUDULENT INFORMATION off my credit report I will take legal action against them as they have been TOLD already and have done NOTHING except proceeded to place account itself on my credit profile and keep the account OPEN. I willl be filing a complaint with The FTC and all other government agencies due to the unethical practices of this company, should they not remove me out their system and off my credit reports as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I received a letter in the mail from Atlantic Union Bank on XX/XX/23 stating that my change of address request had been received & processed. To my knowledge, I didn't have any accounts with that bank. I called the XXXX # listed & asked if they could verify if I had an account with them. The person asked for my SSN. I told them that they were crazy if they thought I was going to give them my SSN. They told me that I would have to go into a local branch to find out then. Fearing that my SSN or identity had been compromised, I pull my credit report. No new accounts had been opened in my name fortunately. I did see where Atlantic Union Bank had performed a soft inquiry on my credit. This made me very angry as my information was compromised on XXXX a few years back. 2 weeks later I receive a flyer in the mail saying that I'm pre-qualified for a heloc. This is a terrible way to attempt getting new customers & I don't appreciate the stress that they caused me. This is why I'm filing a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GA

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. 
XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Contract callers XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX at XXXX has violated my rights. 

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 2023-06-23 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: PA

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: NY

Complaint narrative:
XXXX has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. XXXX in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error

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 2023-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
My Apple credit card and savings account were frozen on XXXX XXXX XXXX. I have been unable to access my funds since then. Ive repeatedly contacted Apple for support. But they refuse to tell me why my account is frozen, or when the issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding I get XXXX calls daily - I answer every time I say hello several times and they hang up I called back - I told them if this is the {$97.00} XXXX balance it was paid years ago and has been disputed since 2019 - I have spent years trying to resolve this and no one ever does the research to mark this paid and remove it from my file and STOP calling me 3 times a day They call on Sunday- they never speak to me I always have to call back - they are harassing and bothering me by calling but refusing to speak to me These collection tactics violate the 7:7 rule and it needs to stop - I have hired and attorney to file a counter claim against them for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have disputed the attached account multiple times and have reached out to Wilshire to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
There are 2 accounts appearing on my Credit Karma XXXX, XXXX XXXX and XXXX XXXX that are still appearing as open but XXXX deleted these account months ago but Credit Karma will not delete them I am asking that Credit Karma obtain updated information for these 2 accounts from XXXX so that they can be deleted from the Credit Karma XXXX as they have already been deleted from regular XXXX. So I am asking you to please help me as Credit Karma will not remove these accounts and they are negatively impacting my credit score and stopping me from obtaining housing. All Credit Karma has to do is get the most updated information about these 2 accounts directly from XXXX and XXXX will have no information on these 2 accounts which will prove that they have already been deleted from XXXX and should therefore be deleted from the XXXX report that Credit Karma shows. I am attaching my most recent Credit Report directly from XXXX which does not show XXXX XXXX and XXXX XXXX reporting to my credit report which clearly shows they have been deleted and proves that Credit Karma does not have the most updated information on these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Remove XXXX XXXX XXXX inquiries from consumer report. Please see attached letter from 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 2023-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We were victims of wire fraud- the real estate agency that we were working with emails were hacked and my husband deposited {$350000.00} into The Regions Bank based in XXXX XXXX AL in an account on XX/XX/2023 the wire was supposed to be sent to Title Agency and had the title agency name and our name. 
The Regions Bank accepted this wire in the account with a different person name ( knowing it was not the title agency ). 
We have tried numerous times to recover this money and they refuse- even though they know it was done due to fraud. 
We want to report The Regions Bank for failing to respond/ refund fraudulent money. 
We know the money is still in the account- we have talked to a nice teller lady. 
The longer this goes on- we will not get our {$350000.00} back which is most of my life savings! 
I need someone to please help us. 

My name is XXXX XXXX and my phone is ( XXXX ) XXXX and my email is XXXX. 
I need assistance in recovering my money Thank you for your time Sincerely 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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was cold called by a LoanDepot rep, XXXX XXXX, about a HELOC loan. I had been interested in a HELOC in the past but spoke with a few local banks who said my type of income, notes receivable, required 12 months of history to be accepted as income. 

I told this to the LoanDepot rep. We discussed the income situation and he said they did not need 12 months history and this form of income was fine for a HELOC. He then passed me on to another rep, XXXX XXXX. This rep was incredibly pushy and combative when I questioned their ability to accept my form of income. He confirmed it was fine. I didn't like dealing with this rep so I ended the conversation. I was subsequently emailed by a 3rd rep, XXXX XXXX. This gentlemen also confirmed my income was acceptable for underwriting after an almost 30 minute conversation going over every detail. I submitted an application and supporting documents to this rep. 

I was then passed along to a different mortgage rep who called me everyday asking the status of a few different documents. I don't remember this guy 's name because it was only phone calls. Then I was passed along to a 5th and final mortgage rep, XXXX XXXX. 

After several weeks of providing documents the loan was almost complete and the 5th mortgage rep confirmed my income was verified by the underwriter. LoanDepot contacted my homeowners insurance company and had them named as a mortgage lender on the policy on XX/XX/XXXX. My rep said I would getting documents by the end of the week to have notarized and the loan could by funded in early XXXX. 

On XX/XX/XXXX I was notified that underwriting had rejected my form of income and that they required 12 months of history to verify the income. The same exact standards that the other banks told me, except their mortgage reps told me on the very first call instead of wasting 45 days and a hard credit check. 

The lesson I learned was all of those mortgage reps were lying salesman. They had zero authority to confirm that my income was good to go for the HELOC. The 5th rep I worked with seemed OK, but the rest flat out lied and told me directly that I was solid just to get me to move to the next step in their sales process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have accounts that haven't been any activity since 2016 and I'm trying to fix the Inactivity 's and Wrong Information that's being reported.

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 2023-06-23 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: TX

Complaint narrative:
I have contact Experian to have unauthorized inquiries remove from my credit report. They advised I must submit in a complaint to have them reviewed. Please review my hard inquiries below and remove them as theyre unauthorized. 

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 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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XXXX of XXXX, I was notified by XXXX XXXX that there was a change in my credit history. I found the Comenity Bank- the processor for XXXX ) listed my account as delinquent. I had never received a statement from Comenity. I called and found that while they said my account was delinquent, and in order to waive the late charges I need to pay the balance in full that day - XX/XX/XXXX, which I did. 

Now in XXXX, XXXX, I received a statement from Comenity indicating that I was delinquent with {$44.00} in late charges and interest due on a balance of {$1.00} that they said that I had not paid in XXXX. In order to reduce the late charges, I was again told that I needed to make a payment of {$20.00} to pay the account in full. I think that it is obvious that I would not have left a balance of {$1.00} on the account. 

I do not believe that I should have had to pay {$20.00} on the account when I was told in XXXX what my balance was to pay in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was XXXX  most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened XXXX after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in 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 explanation