vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My current Mortgage lender ( Lakeview XXXX they operate under many different names ) is saying that I am missing a payment from XX/XX/year>2023 due to them mixing up another borrows account with my account. Allegedly, they applied another borrowers monies to my mortgage. Now, XXXX months later they are saying I am missing a payment for XX/XX/year>2023. 
I purchased my home on XX/XX/year>2023. I was told Id have XXXX  days to pay my first mortgage payment. On XX/XX/XXXX I received notification that I needed to pay my first payment to my original lender ( XXXX XXXX XXXX  ) so I did- I paid over the phone and can provide receipts.i didnt think it was a big deal that they were asking for it XXXX  days early, i just want to ensure i made a payment. That payment was not forwarded to Lakeview XXXX until XX/XX/XXXX. On XX/XX/XXXX I logged in to lakeview to make a payment but I had no past due balance. I called XXXX to verify and they also said I had no balance due. I resumed paying my mortgage on time every month after that XXXX through XXXX. XXXX admitted to mishandling my personal information but did not contact me about it EVER. It was not until XX/XX/XXXX that I received notice of a past due balance for XXXX because they rebalanced all my payments and allocated my funds to the other borrower. I have never been briefed on what the investigation resulted in or anything. Ive been completely in the XXXX. They allegedly opened an investigation on the missing payment on XX/XX/XXXX and it was completed on XXXX XXXX but again Ive never had this fully explained and they have not come with a solution. The send weird emails from XXXX with grammatical errors and it makes be feel that my information is unsafe. They use so many different names and numbers and I call you from. Lakeview, XXXX, Lakeview XXXX servicing, etc. they are very unprofessional and I am worried that my loan and personal information are being mismanaged and I am being taking advantage of as a consumer. They is not a company I want to be my loan provider. 
XXXX ID 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 2024-07-15 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-15 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: TX

Complaint narrative:
I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit 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 2024-07-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I am writing to inform you about a serious issue involving the compromise of my Social Security number, resulting in identity theft and unauthorized activity on my credit report. To address this matter, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed for your reference. 

Under 15 USC 1681c-2 ( c ) ( a ), you, as a credit reporting agency, must promptly block and remove all information related to this identity theft from my credit report. This law requires that such requests be addressed within four business days of receiving the complaint with the following information : I am formally disputing any unverified or inaccurately documented information on my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. Allegations of delinquency and derogatory information must be factually verified as required by federal and state law to prevent illegal reporting. 

Please ensure that all claims comply with the Metro 2 reporting standard and provide physical, verifiable evidence supporting the account 's existence and legitimate use. If such evidence is not available, I request the removal of the information from the report, along with authorization to receive documentation of your actions and an updated credit report. 

Accounts and Inquiry being challenged : 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 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 XXXX XXXX  The unauthorized entries on my credit report have caused significant problems. Here are the legal violations that have occurred : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I am writing to inform you about a serious issue involving the compromise of my Social Security number, resulting in identity theft and unauthorized activity on my credit report. To address this matter, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed for your reference. 

Under 15 USC 1681c-2 ( c ) ( a ), you, as a credit reporting agency, must promptly block and remove all information related to this identity theft from my credit report. This law requires that such requests be addressed within four business days of receiving the complaint with the following information : I am formally disputing any unverified or inaccurately documented information on my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. Allegations of delinquency and derogatory information must be factually verified as required by federal and state law to prevent illegal reporting. 

Please ensure that all claims comply with the Metro 2 reporting standard and provide physical, verifiable evidence supporting the account 's existence and legitimate use. If such evidence is not available, I request the removal of the information from the report, along with authorization to receive documentation of your actions and an updated credit report. 

Accounts and Inquiry being challenged : 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 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 XXXX XXXXXX/XX/XXXX The unauthorized entries on my credit report have caused significant problems. Here are the legal violations that have occurred : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal has a feature that allows someone to request money from another PayPal user. The problem is that there is no way to turn it off, so anyone can request money from you for any amount. What I've observed is that I continue to receive money requests many times each month, from different PayPal users, for years. I'm worried I may one day hit the wrong button and accidentally send money to the scammers. I have never received a legitimate request for money, it isn't a feature I need or use. To give an indication of the volume of scam requests for funds I receive through PayPal, I've attached a screenshot. I diligently report the requests and block the requester, but if does not stop the flow of requests. I believe the scammers just create new PayPal accounts and send the requests again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
DEAR CHEXSYSTEMS ; XXXX XXXX XXXX XXXX ; Sir/Madam, see attachments. I am writing to formally lodge a complaint against ChexSystems concerning an inaccurate report on my checking account history, which has caused significant issues for me. I have experienced considerable difficulty resolving this matter despite multiple attempts. 

Complaint Summary : Inaccurate Information : ChexSystems is reporting that I have a charge-off balance of {$1400.00} on a checking account opened with XXXX XXXX XXXX XXXX XXXX XXXX ) that was allegedly closed in XX/XX/year>. This information is incorrect. I never opened such an account, nor do I have any knowledge of this charge-off. 

Attempts to Resolve : Dispute Requests : I have submitted several dispute requests to both ChexSystems and XXXX regarding this erroneous information. Despite these efforts, I have not received any satisfactory resolution or response from either party. 
Account Opening Issue : I became aware of this issue when I attempted to open a deposit account with XXXX in XXXX. During this process, XXXX informed me that they could not open a new account due to an unresolved charge-off from XXXX in my name. This inaccurate report has prevented me from establishing new banking relationships and has raised concerns about the security of my personal information. 
Concerns : XXXX XXXX XXXX : Given the timing of this issue, I am concerned that my personal information might have been compromised during the COVID-19 pandemic. The inaccurate reporting of a charge-off could indicate potential identity theft or fraud. 
Lack of Resolution : Despite my multiple attempts to rectify this issue through disputes, I have not received any resolutions or confirmations that the incorrect information has been addressed or removed from my 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 explanation
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8

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 2024-07-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
identity theft, These accounts XXXX credit managemen and National credit systems do not belong to me. I have no contract with either of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My wife and myself were out of town during XXXX XXXX weekend from XX/XX/24 - XX/XX/24. We were notified on one occasion, from Regions, on XX/XX/24 regarding one transaction that looked suspicious and asked if my wife was making this purchase? She advised no, she wasn't. They said that they will stop the charges against her debit card, close it and reissue. The following day, XX/XX/24, on our return trip home, we called the bank auto line to check on our account and at which time discovered that our account had been hacked which caused the account to go into overdrawn status. We were advised to go to local branch and submit a fraud claim in which we did. As of today, XX/XX/24 we have been dealing with this trying to recovery our funds without any success. We have filed now XXXX claims, gotten a police report and still nothing has been resolved. I truly feel that there hasn't been an actual investigation done on this case. I feel that the fraud dept. has made a blanket decision based on a select few transactions that were authorized and have come to the conclusion that all were authorized. This is so ridiculous because these were transactions that were made in XXXX different states other than where we live. My wife and I have spent numerous hours being the PI in this. We have called or researched each and every business that was listed on our claim to verify where they are located. These range from XXXX XXXX XXXX XXXX etc. Their were a total of approx. XXXX transactions totaling approx. {$2700.00} - {$3000.00}

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 monetary relief
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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 XXXXXX/XX/XXXX Accounts That do not belong to me that need to be deleted that are identity theft. 


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 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