vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$5200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$860.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$560.00} XXXX XX/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 non-monetary relief
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$510.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$5200.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$13000.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$4300.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$840.00} Opened- XXXX XXXX XXXX XXXX XXXX Bal- {$860.00} OpenedXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$560.00} Opened- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was set up to have payments made monthly on auto to have the balance paid in full to take advantage of the XXXX rate. During the span of the promotion my payment was changed and I went over the allotted timeframe and they applied the interest plus charged 32.8 % on the new balance. I was never contacted about any changes or that my period was about to end and that all this interest would be applied. Carecredit was very deceitful and did not handle this appropriately. I paid off this debt and closed the account. I was able to get them to take off XXXX of the XXXX plus they stole from 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 2024-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter.

Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]

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 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : COMENITYCAPITAL/SEPHOR Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-24 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of youreceiving this complaint. This fraudulent, inaccurate, and false information consists ofa XXXX  credit card account opened at XXXX XXXX on XX/XX/XXXX under theaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX XXXXunder the account number ( XXXX ). XXXX  Credit card opened on XXXX on XX/XX/XXXX under the account number ( XXXX )XXXX XXXXCredit Card opened at XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX  Credit Card opened XXXXXXXX XXXX  on XXXX XXXXunder the account number of ( XXXX ), XXXX  Credit Card opened aXXXX Card on XX/XX/XXXX under the account number ( XXXX ), Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan opened at XXXX  XXXX onXXXX XXXXXXXX under the account number ( XXXX ), a collection XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned accounts, collections and hard inquiriesappearing on my consumer credit report maintained by you were not opened, madeor initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of FTC identity theftCriminal Complaint # XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-24 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXXe {$1100.00}, XXXX {$750.00}, XXXX  XXXX {$2400.00}, XXXX XXXX XXXXXXXX {$650.00}, XXXX XXXX XXXXXXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-24 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MT

Complaint narrative:
I am the original borrower on a mortgage through Lakeview Loan Servicing. On XX/XX/year>, a loan assumption was completed, and the mortgage was transferred to the new borrowers. Despite this, on XX/XX/year>, the new homeowner called Lakeviews automated system and authorized the XXXX mortgage payment of {$1700.00}. This payment was erroneously withdrawn from my personal bank account. 

On XX/XX/year>, I contacted Lakeview Loan Servicing to report the unauthorized withdrawal. I was instructed to provide proof of payment through my bank, which I promptly submitted. Since then, I have called daily to request a refund of the payment that was illegally processed. 

However, I am being given the runaround. I am consistently told that, because I am no longer on the loan, no one can speak to me, and a case manager is supposedly " looking into it. '' Despite my repeated requests, I have not been put in contact with this case manager. Lakeview representatives have also falsely claimed that attempts to reach me have been made, though I have not received any phone calls or emails since reporting the error. 

The lack of communication and the refusal to address or resolve this issue has caused significant frustration and financial burden. I seek assistance in recovering the funds that were wrongfully taken from my account and ensuring that Lakeview Loan Servicing addresses this matter properly. 

Thank you for your assistance.

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 2024-09-24 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: CA

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: DE

Complaint narrative:
I lost my job in XX/XX/XXXX. I contacted my mortgage company XXXX XXXX  XXXX, they did a modification to raise my payments from XXXX to XXXX. I could not afford that. They transferred my loan to Midland Mortgage Services who filed Foreclosure in XX/XX/XXXX. I put the house up for sale because I had some equity in it XX/XX/XXXX. I contacted Midland and the Foreclosure Lawyer XXXX, XXXX, XXXX XXXX XXXX, XXXX. to let them know the house was listed for sale. On XX/XX/XXXX we got a contract and asked for a payoff amount. We sent over the ratified contract and the buyers lender approval letter to Midland and XXXX, XXXX, XXXX XXXX XXXX, XXXX. the foreclosure lawyer. Settlement was scheduled for XX/XX/XXXX, we went to settlement XX/XX/XXXX and the amount of the payoff had increased XXXX for legal fees. I walked away with XXXX proceeds from my house. In reality I should have walked away with at least XXXX. Plus, a water bill of XXXX  was paid three days before settlement by my tenant and they took that. This is outrageous! I have complained to all parties, and no one will get back to me. I am owed at least 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