vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Company has not provided valdiation, verification of ability to collect, the original contract with my signature, or proof of training, they have provided nothing requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I have a home loan with Planet Home Lending after a year of having my mortgage with them they are saying that no Cushion was made at time of closing for Escrow or Insurance which was left at time of closing and are now requesting a Cushion to be left of over XXXX which I believe they can only request by IL Law within the first year. which has increased my monthly payment from XXXX to XXXX per month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: ID

Complaint narrative:
House Fire. The insurance company has done everything they can to delay releasing funds for the repair so i paid everything out of pocket. Throughout the process the released little dribbles of money here and there but it has been complete now for 6 weeks and they wont release the remaining funds. Their own inspectors have confirmed completion. I need my money back as I borrowed it to get contractors paid, it is accruing interest. The mortgage company is doing everything and anything they can to come up with excuses to delay releasing remaining funds.Any info they have requested they received with hours, then weeks later they call back and come up with something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
My credit report is being affected by information that is not 100 % accurate and not fully verifiable. I have not received any evidence to justify the reporting of these items.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: VA

Complaint narrative:
LexisNexis is transmitting credit reports to 3rd parties that include negative information that is more than 10 years old. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/year>. 

on XX/XX/year> I filed a verbal dispute with LexisNexis outlining the 6 items that I am challenging. Their time frame for a possible resolution is 40-60 days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexisNexis is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AR

Complaint narrative:
All three credit bureaus, XXXX XXXX, XXXX and Experian have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe 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 2024-02-22 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$150.00} XXXX Date opened Date Opened : XX/XX/XXXX Highest balance {$360.00}

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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
By 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.

The accounts below have violated my rights. 
XXXX XXXX XXXXXXXX XXXX # REF : XXXX 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
XXXX XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX  Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To make this short and sweet, I purchased an upgraded room called a traditional quadruple which was XXXX $ + more a night for 4 people using the Capital One Travel benefits. Capital One travel sent a booking to the hotel for a Traditional Double for 2 people. I called to have the issue corrected and to be given the right room. Capital one refused to correct the issue, and told me basically they don't care that I had to pay myself to make it right and refused to pay me back the difference. My own bank scammed me out of a room provided me a lessor room and told me to shove it. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
On or about XX/XX/2023, I obtained a XXXX gift card along with several other people who also got XXXX gift cards for participating in a seminar from my local councilman office. All of the other persons who got gift cards also could not use the cards but I am here to complain about my own self. I have attempted to use this card at least XXXX times since XX/XX/2023, each attempt the card is declined. I have called the issuer of the card several times to be told the card is active, use it at a different merchant. I even called XXXX XXXX since the card has the XXXX logo upon it. XXXX called Vanilla Gift while I was on the line for a conference call. Vanilla told me the card is good and asked me where I was trying to use it and how was I trying to use it. I kept asking for either a refund or replace the card. They claim that since the card is active then I am not using it correctly or I am not entering the numbers correctly. My request for a refund or replacement card was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Company has not provided valdiation, verification of ability to collect, the original contract with my signature, or proof of training, they have provided nothing requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Company has not provided valdiation, verification of ability to collect, the original contract with my signature, or proof of training, they have provided nothing requested

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 2024-02-22 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ershowsky Verstandig PLLC
State: VA

Complaint narrative:
This group is, at worst, a criminal enterprise and, at best, a professional extortionist. They have a client ( XXXX XXXX ) that conducts their business by practicing up front and blatant predatory lending and, when backing borrowers into a position of ruin, Ershowsky Verstandig extorts the borrowers and harasses the borrowers contacts. 

I conducted no business with XXXX XXXX, yet because I hired a contractor to perform a job, and that contractor borrowed money ( at roughly 260 % APR, and no that is not an exaggeration ) from XXXX, we're getting harassed by Ershowsky Verstandig to pay the borrower 's debt, EVEN THOUGH THIS IS NOT OUR DEBT AND OUR WORK WITH THE BORROWER FINISHED MONTHS AGO. And, by the way, in the state of SC where the contractor is, it is a state requirement for a lender to file a Maximum Rate Schedule ( MRS ) with the state if conducting lending with an APR of higher than 18 %. Did XXXX do that? No, rendering their loan illegal to begin with. Yet this attorney group feels perfectly content to continue harassing us for payment. 

They're sending us letters, calling my wife... How this is is legal is beyond me. All I have to say is it doesn't take much to recognize malicious and ethically devoid groups, and Ershowsky Verstandig definitely fits the description. 

As I said on the phone, and will continue to say, stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted XXXX, XXXX, TransUnion and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith XXXX. The most recent dispute with Transunion was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.

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 2024-02-22 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: NC

Complaint narrative:
I have contacted Experian, XXXX, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith Experian. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX  has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against IC System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IC System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** IC System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that IC System ceases such practices immediately.

4. **Failure to Provide Disclosures : ** I.C. System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by IC System, and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between IC System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of IC System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, 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 2024-02-22 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation