vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
XXXX XXXX XXXX is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: WA

Complaint narrative:
XXXX XXXX ( Plaza Home Mortgage ) has been servicing my loan since XX/XX/XXXX. This XXXX XXXX XXXX mailed the XXXX real estate tax document to show what payments are due this year. Since our property taxes are paid through escrow on our loan, I logged into my account to make sure these payments were already updated, especially because there was an increase of almost {$1000.00} this year. Property taxes were not yet updated so I called customer service and they told me to email the document to them so they can update and recalculate how much should be put into escrow to cover our payments this year. They updated the first installment payment only. I have called customer service multiple times to request they add the second installment payment. They keep citing errors made on their end and kept assessing {$7.00} fees to re-calculate my loan even though every time was due to their own mistakes in updating the loan. Last time I called I spoke with someone in the tax department for an hour. They emailed me an update on XX/XX/XXXX to say everything is updated and taxes will be paid on time. I emailed back XX/XX/XXXX to AGAIN request they add the second installment payment due to the escrow account so that our monthly payments include any additional money needed to cover taxes this year. I still have not heard back from anyone. This has been a common theme in dealing with XXXX. They don't consistently respond to my inquiries and I've had to call and email many times for the same request, just to have my loan updated accurately. Communications regarding my loan have been hit and miss and the communications I do receive are always severely delayed. Now, I've been notified that they are transferring my loan to a different servicer and I'm concerned my loan is going to be sent to the new loan servicer all messed up and that impacts my monthly payments. My experiences are showing XXXX to operate in dishonest and chaotic ways where I, as the customer, is getting the short end of the stick. This feels unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In review of my Experian credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information. 

1 ) XXXX - Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Legally paid in full for less than the full balance '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) I would like for Experian to review these inaccurate reporting information and make the necessary corrections.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX  XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, and XXXX XXXX XXXX : XXXX has all 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 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 2023-03-29 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: TX

Complaint narrative:
In review of my Transunion credit report I noticed that there are four ( 4 ) accounts that are reporting inaccurate information. 

1 ) XXXX -Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Payment after charge-off/collection '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) 4 ) XXXX  - this account is reporting a late in XX/XX/XXXX, XXXX and XX/XX/XXXX. I was never late during this time period. I contacted the creditor and was told that I must contact the credit bureau to get this corrected. 

I would like for Transunion to review these in accurate reporting information and make the necessary corrections.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
I opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX  get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to 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 monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
A process server from sheriff 's department came to my house and handed me wage garnishment documents asking to garnish wages of my employee. My company ( that I own, registered, and dissolved years ago ) is listed as the employer being ordered to garnish wages to myself as the employee. 

I have no knowledge of this debt nor did it make sense to be asking my dissolved company to garnish wages from myself. I have never received nor heard of Unifund until receiving this letter. This isn't even showing up in my credit report. 

I contacted the lawyer representing Unifund ( XXXX XXXX ) and the account representative was not able to locate the amount in question nor did it show there is a wage garnishment in process. The only thing they can see is a debt I had settled years ago where account balance is {$0.00} and is ilisted in good standing with XXXX XXXX when I closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. 
Now, two collection agencies ( Amsher Collection Services and XXXX XXXX XXXX ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. 
I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have already filed complaint XXXX with CFPB and Citi promised to resolve this issue with me- to deposit {$2000.00} in my account. I sent them the W-9 they requested - TWICE and thought the funds were in my account and closed the account. Later I discovered that the funds were never posted to the account. Now Citi is stating that the W-9 needed to get " certified '' whatever that means. I don't know why this was not all done when I first opened the account. Citi needs to allow me to reopen the acct and then deposit the money they owe me. 
Please see complaint XXXX for full details.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I received an alert from Experian that an inquiry on my credit report was ran through XXXX in the state of Ohio. I have no connection or relation or live in the state of Ohio. I filed a dispute with Experian and had a fraud alert placed on my account. I was advised to submit this next action. 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX # : XXXX This account is fraud. I did not open this account nor authorize anyone to open this account on my behalf. Please delete from my credit asap. 
This has been an ongoing issue without resolution. Please delete asap. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a credit card account with XXXX XXXX. I have had it for over 10 years. I have perfect credit history with no a single missed payment in the past 18 years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late 30 days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the 30 days late from my credit 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a credit card account with XXXX XXXX. I have had it for over 10 years. I have perfect credit history with no a single missed payment in the past 18 years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late 30 days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the 30 days late from my credit 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: MA

Complaint narrative:
XXXX XXXX  officer XXXX XXXX ( XXXX  XXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.

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 2023-03-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance Corporation is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation