vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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:
I am seeking your support to address the incorrect account listed on my credit report. This matter has harmed my reputation, and I need your intervention. Your mismanagement of my credit report has caused me significant distress, and I urge you to eliminate these false 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 2024-09-18 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: GA

Complaint narrative:
Supervisor nor representative stated they will not comply with inaccurate removal of inquiries nor update fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently reviewed my credit report and noticed that I do have some fraudulent activities on my report.Please remove these accounts as they are hurting my capability of obtaining good credit.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 2024-09-18 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: TN

Complaint narrative:
I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account XXXX  ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-09-18 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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/updated.

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.

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!

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 2024-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I submitted an FHA Assumption application to LakeviewXXXX  through their website in XX/XX/2024. At that time, their website indicated that the approval process would take XXXX days. 
When I followed up after XXXX days, I encountered delays and was told they couldnt find my application. The following week, I checked again and was informed that processing would now take 120 days, meaning I should expect results by XX/XX/2024. 
In XX/XX/2024, I started a series of phone calls to LakeviewXXXX to inquire about my application. During XXXX call, I learned that my application had been restarted in XX/XX/2024 and that I would have to wait another 120 days for results, pushing the timeline into XXXX. 
By the end of XX/XX/2024, having received no updates, I reached out again in XXXX. 
On XX/XX/2024, I spoke with a representative named XXXX. When asked to confirm the email address I provided for the results, I confirmed it was XXXX, the same one linked to my Lakeview/XXXX profile. However, I was then told that the results had been sent to an entirely different e-mail which is not associated with my profile. 
I requested that the matter be escalated. XXXX explained that he would be issuing a " XXXX '' e-mail in order to ensure that the approval documentation was being sent to my actual e-mail address ( the one linked to my Lakeview/Loancare account ). 
As of XXXX XXXXXXXX XXXX XXXX I still have no information from either Lakeview or from XXXX about my FHA Assumption.

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 2024-09-18 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:
I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not liable and should not be held liable in any form for this debt with XXXX XXXXXXXX XXXX XXXXXXXX I do not have a contract with LVNV FUNDING LLC. They did not provide me with the original contract as I have requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
During XXXX occasions now with Robinhood, I was not given proper notification of restrictions placed on my account. The first occasion was centered around me utilizing their instant deposit feature. I had made a deposits / withdrawal and had tried to add more funds to the account. I was allowed to add the funds however I wasn't able to use them as intended to place a same day trade. The result inhibited me to place other trades to mitigate losses and or see a favorable gain. In total we are taking about a significant amount of money to me. When i called I was told that their risk department placed a restriction on my account, and this was placed on them without any disclosure. Further, if I had known this option wasn't available to me then I wouldn't have adjusted my investment strategy for the day. Unfortunately, I wasn't given this simple disclosure of changes occurring on my account. Next, on XX/XX/year>, I called my financial institution because on the Robin site I was receiving a message that my debit card failed and was declined. My bank shared with me that I had no issues on their end and my available balance was sufficient enough for the Robinhood transactions to process. When I followed up with Robin hood about this issue i again never received the proper disclosure that I would expect according to Electronic Fund Transfer Act XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Specifically, on this occasion I was told by the service representative and then their manager, they are prohibited from disclosing this information because it was proprietary. When asked to clarify this I was told they can't disclose the reason, or when this issue would be corrected and or restriction removed. Further, the agent did disclose that he had the information available to him and could see why the restriction was placed and how long it would be on the account. Please pull case # XXXX. XXXX was the agent within the spending account department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TN

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-18 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: MS

Complaint narrative:
XX/XX/2024 A credit card was taken out in my name. I didnt apply for any credit card. And the credit card took my score down. And its not mine Im a XXXX XXXX at a XXXX XXXX. And I play XXXX  off a XXXX so my schedule is busy. Im telling you guys XXXX XXXX XXXX is not my card. I havent even applied for any credit yet.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX  and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.

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 2024-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
After Pennymac stated that they were going to " adjust '' my XXXX erroneous 1099-C to a lower erroneous 1099-C, they just added a XXXX erroneous ( false ) 1099-C " Cancellation of Debt '' ... ... ... so now I'm stuck with ( XXXX ) false 1099-C 's. ... ... .see CFPB Complaint # XXXX for the XXXX erroneous 1099-C. After I sent them another Notice of Error, all they did was refer back to their previous letters. 

There's nothing within these documents stating or listing what this supposed debt is supposedly for.

Company response to consumer: Closed with explanation