vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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:
Hi, I am reaching out about the following information provided below. The items listed on this document that have been reported on my credit is incorrect. This information needs to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the inaccurate accounts and inquiries that were reported on my credit report. I appreciate the help. Thanks in advance. 
Ive noticed these problems on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified.

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/2024, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting. 

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate. 

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. 


Account Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: TN

Complaint narrative:
Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified. 

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/2024, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting. 

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate. 

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. 


Account XXXX : [ XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX still have accounts reporting to my consumer report after Ive given them a written statement as a victim of identity theft, the police report and the FTC report. I did ask for all credit bureaus to Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Its exceeded the 4 business days. Ive attached all documents Ive sent to the credit bureaus Im asking for assistance in helping me in force the consumer laws and my rights and removing the accounts that were not made by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
have been roped into an extortion scheme secondary to harrassment and threats made by a person in a position power who has the ability to hack internet systems and has made personal threats towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
I did not sign any lease agreement with them yet. They are sending me letters. Someone reach out to me provided them my current location and I told them I have not signed any extension although I did not stay in the apartment. I still paid for one year after which I did not sign any extension, but now they are keep sending me and trying to collect that which I dont own them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased flights from XXXX ( XXXX ) to XXXX ( XXXX  ) and then XXXX  to XXXX XXXX ( XXXX  ) on XX/XX/2024. The flights will be on XXXX XXXX. I made the purchase using points and cash through American Express ( AMEX ). On or around XX/XX/XXXX, I asked to make a schedule change after I closed my card. Now I'm being bullied around by the company and I can not make the change.

Originally, when I made the change request, I tried making it online at XXXX XXXX ' website. It would not allow me and told me to call AMEX. So I did. They told me they could not help me and to call XXXX. So I did. A rep from XXXX  told me they could not help me and told me to call back to AMEX. So I did. On or around XX/XX/XXXX, an AMEX rep created a case saying I'd need to pay {$50.00} or so to make the changes. She said someone would call me back to finalize the change. But it never was resolved. I'm now about 4 hours into being on hold from various phone calls and starting to get frustrated.

I had a friend offer to use their AMEX card so I could pay to make the change. I called AMEX on XX/XX/XXXX for another 61 minutes. They said they can not take my XXXX card ( or any non-AMEX card ), they will not let me mail in a payment, and they will not let me use an AMEX that is not in my name. I asked them how to make the change. They said they could call XXXX XXXX back and see if their answer changes. This time, they told me I have to drive down to the departures gate at my local airport and have them make the change. I'm now 5 hours into calls. 

So on XX/XX/XXXX, I drive to XXXX  and spend another 3 hours in travel and time there. At the airport, I am told they also can not help me. I paid {$9.00} in parking fees and am now XXXX hours into figuring out how it's possible to make flight changes. I've tried using my money, I've tried using a friend 's card, I've tried mailing money, I've tried driving to the airport. How is it possible to make this reservation change? The agent at XXXX XXXX recommended I file this complaint as he said he can not think of any other workaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I bought a car from Heights Finance in XXXX XXXX borrowed XXXX and my last payment was this month according to original contract! They are trying to repossess my car saying I still owe XXXX! I was and still am on XXXX.. but I had 2 incomes then.. I now have only mine and am presently taking care of adult son due to XXXX XXXX.. Wanted to know if you can HELP US IN MISSOURI NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-05-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Close Late Inquiries : 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 non-monetary relief
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiry : XXXX XXXX XX/XX/2022 :

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 2024-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
On 5/16 Lakeview LLC and Parent Company XXXX XXXX received a Debt validation and verification request from the consumer. The consumer believes that Lakeview is using false, deceptive, or misleading practices trying to enforce the alleged debt. Therefore, I ( the consumer ) am disputing the alleged debt and request that Lakeview provide the following information pursuant 15 U.S. Code 1692-1692p most commonly known as, and thereinafter, " The Fair Debt Collection Practices Act ( FDCPA ). '' Definitions pursuant 15 U.S. Code 1692 : ( 1 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 2 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The consumer disputes this debt in its entirety. Pursuant 15 U.S. Code 1692g, the consumer requests : 1 ) the name and address of the ORIGINAL CREDITOR ( See definition above ), therefore, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment.

Verification is defined as : confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Judgment is defined as : The official and authentic decision of a court of justice upon the respective rights and claims of the parties to an action or suit therein litigated and submitted to its determination. The final decision of the court resolving the dispute and determining the rights and obligations of the parties. The law 's last word in a judicial controversy. ( XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ). 

I request that Lakeview LLC and Parent company XXXX XXXX obtain verification of the debt or a copy of a judgment, according to the definitions above, of the name and address of the ORIGINAL CREDITOR.

This is the consumer 's good faith attempt to resolve this issue that has caused the consumer emotional distress, mental distress, and monetary loss up to {$490000.00} due to the threat of foreclosure.

Thanks

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 2024-05-27 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: SC

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXXAccount Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 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.

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 2024-05-27 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: AL

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 2024-05-27 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: AL

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report there is personal information thats inaccurate I will list all in accuracies then list correct personal information INACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX EMPLOYMENT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX THIS CORRECTION SHOULD BE HONORED BY LAW 15 U.S. Code 1679c - Disclosures U.S. Code Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: CA

Complaint narrative:
Hello!

I have collections reporting on my credit report reflecting via XXXX XXXX through Equifax, when I logon on to Equifax there are no collections. Please reinvestigate I have previously disputed but still reflects on XXXX XXXX delete as it is not reflecting otherwise.

Thank you,

Company response to consumer: Closed with non-monetary relief