vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
My divorce is complete except the deed of trust is pending due to a filing error done by the mortgage company Loan Depot. 

I refinanced my house in 2022 as the sole borrower on the mortgage. All documents state me as the borrower ( note, statements etc. ) however the deed of trust they filed with the county states otherwise due to an error and how they do that one document. However they confirmed hes not a borrower on the loan. The document is misrepresenting and misleading stating hes a borrower when he IS NOT. This has caused a major issue in my divorce proceedings as the attorneys think hes on the loan when hes not. They want me to sign a deed of trust to secure assumption so he can foreclose on me if I ever missed a payment. Loan Depot states he can not assume the property because hes not on the mortgage. Loan depot refuses to amend the document stating its already been done. This has caused me more money on fighting the divorce attorneys, time, etc I need help getting loan depot to correct their error and to amend the documentation to reflect accurately and appropriately the true mortgage borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Due to known identity theft Citi now refuses to authorizes purchases.

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 2024-08-05 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: GA

Complaint narrative:
I have informed TransUnion multiple times that my personal information is incorrect. While most addresses have been removed, one inaccurate address remains. Additionally, I have been a victim of identity theft, and a XXXX card has been fraudulently opened in my 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting inaccurate information on my credit profiles. They have been removed from my XXXX profile due to inaccuracies of reporting. They have reported this as a joint account and an individual account. This company can not verify accurately the status of the account, nor can they provide original documentations from the ORIGINAL creditor of the loan. If they could they would know that the contract is in XXXX XXXX name ONLY and not mines. As stated XXXX has removed the information from my credit file due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Complaint Regarding Unrecognized Medical Debt Company Involved : Medical Data Systems IncXXXX ( MDS ) Attn : Dispute Department XXXX XXXX XXXX XXXX, FL XXXX Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to Medical Data Systems Inc. regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>. 

Debt Dispute : The amount claimed by Medical Data Systems Inc. is {$1100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from Medical Data Systems Inc. regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: PA

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-08-05 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: GA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone Fraudulently used my personal information to apply for numerous credit cards and auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My 2024 monthly account summaries were recently mailed to me because Marcus by Goldman Sachs alleged that XXXX had been blocking Goldman Sachs e-mail summaries meant for me and other customers. There has been no resolution to this problem so I could not receive monthly statements via e-mail. 
XXXX supervisors denied it was blocking any e-mails sent by Marcus By Goldman but has not verified in writing that e-mail blocking was actually happening. 
A XXXX CD that matured on XX/XX/year>, was unknown to me since no e-mail reminder was sent to me. I did not receive a phone call, text or letter warning me that my CD of over of a XXXX  XXXX dollars was maturing. 
It was then rolled over after the XXXX grace period to a two-year CD without my permission. I only discovered the rollover had occurred when I called Goldman Sachs. That CD shifted to a XXXX  % interest rate when a XXXX CD was available a XXXX  %. The dated paper summary mailed to me prevented me from making a timely rollover prior to the maturing date. 
Trying to be reasonable, I asked supervisors to allow me to move the CD from the XXXX rollover to a one-year CD aXXXX XXXX % interest. One manager named XXXX told me she would waive the penalty after I explained that it wasn't my fault that e-mails that were being blocked by XXXX 
After waiting for confirmation of that waiver, supervisors informed me today, XX/XX/year> via phone that the withdrawal penalty would be enforced if I rolled over the CD to a new Marcus By Goldman Sachs CD to the higher interest rate. 
This lack of professional communication has resulted in my losing interest income for the next XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is the second time in a month that someone has tried to open a credit card in my name without my permission. This time it was with Wells Fargo on XX/XX/year> a person in XXXX, FL ( same place as the first one ). 

The cancellation number from Wells Fargo is XXXX. 

Thank you,

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I have been receiving unwanted calls from ( XXXX ) XXXX. I found that they are debt collection company and I do not have any outstanding debts. I have told them not to contact me and they have continued to do so. I am an attorney and I will not hesitate to escalate the situation if they do not continue trying to collect the debt that I do not owe. Any provided proof of debt would be inherently fraudulent

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 2024-08-05 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: GA

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-08-05 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: GA

Complaint narrative:
XXXX account XXXX. The dates open, the last report, and also the dates last active are inaccurate. This account is not being report XXXX so inaccurate .According the Law 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 has 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 2024-08-05 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: IL

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-08-06 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: AL

Complaint narrative:
Experian, I have submitted several letters to your company to address the incorrect payment history that is reporting on my credit report. I would like to advise that the fact that you are ignoring my concerns has resulted in several denials. I have attached a screenshot to address the payment history on my XXXX acct # XXXX which is an unverifiable account number. Your company and your company only reported a 90 day late for XX/XX/XXXX, A 90 day past due for XX/XX/XXXX, and 120 day past due for XX/XX/XXXX. 

The information shows no 30 day late payment and it is reporting inaccurately. please correct.

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 2024-08-05 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 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 2024-08-05 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: AR

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 non-monetary relief
Consumer complaint received 2024-08-05 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: AZ

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 explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
My account with with those 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 in those account 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.

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 non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
My account with with those 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 in those account 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.

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 response to consumer: Closed with non-monetary relief