vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Contacted Loan Depot Loss Draft Department on XX/XX/XXXX. Was told by Loss Draft Department that a check would be issued for XXXX. Total funds sent to Loss draft by myself, we're approximately XXXX. Total loss amount for claim is exceeding XXXX, and Insurance has only issued partial payment. All required documents have been sent to Loan Depot. 

On XX/XX/XXXX, request callback from manager. Was told 48 hours. Also was told that a restricted escrow account does not accrue interest on CA account. I, customer, sent in prepaid 2nd day air label to insurance portal to expedite mailing of funds check to get construction started. My date of loss was XX/XX/XXXX. 

Spoke with XXXX from XXXX, MI on XX/XX/XXXX. XXXX advised me a check was issued for XXXX. Asked why his colleague advised me something different. Had no response. I asked XXXX why I hadn't received a callback from a manager within the promised timeframe. XXXX said " we don't provide timeframes for a supervisor call back ''. He had no response as to why his colleague made that promise. Also asked about whether check would be sent using my shipping label, as it had been approved in the portal 48 hours prior to my call with him. He said " I don't know ''. 

My loan is transferring servicers effective XXXX. I am trying to get these initial funds released prior to the transfer, so the money that is rightfully owed to me can not be stuck in limbo for 45 days. I have been punctual, cooperative, and understanding of the policies required for this process. However, I feel Loan Depot is not upholding their end of the bargain. I would like all the funds released to me from the restricted escrow. It is apparent form the loss estimate provided by my insurance and my contractor, that this project will significantly exceed the XXXX in the account currently. Loan Depot is too incompetent to recognize that and release the funds prior to the transfer of servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 explanation
Consumer complaint received 2024-09-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
The company levied the amount in my bank account after I had told them I am unemployed. 
I was behind on rent and was facing eviction during that time of the levied amount. They did not show up for court. The Hand-delivered the court ordered so I was unable to have documents submitted for the judge. Although the amount was put back because it showed it belongs to my mother, I was suffered from the loss and lease termination due to can not pay rent for three months. 
The Debtor did not take in consideration what I was saying and still pursue their documents to court when they knew I can not hire an attorney. This is unacceptable because I had proof, I am a fulltime student, low-income home, and single-mother. They did not listen and pursue whatever they can without talking to me. 

Debtor collect levied wages XX/XX/XXXX. Eviction Notice was instructed for the amount by XX/XX/XXXX. Unable to hold of anyone regarding the money. Luckily, my mom was able to borrow her friends so we do not lose our home. 
Court was XX/XX/XXXX. DEBTOR was NO SHOW. They were hoping I do not show but I was in Court with XXXX XXXX. 
Money was returned. It causes hardship and inconsiderate of what they did. I was behind rent by months. By truth, it is not I do not want to pay, but I was being kicked out of my home if it wasn't for my mom 's help. I am suffering from financial due to loss of employment. I have yet to catch up on car payment, student loans, and rent plus taking care of a teenager. 
XXXX XXXX do not check their facts. I am saddened that if I do not understand my rights, I would be homeless with a child. Please check this debt company as what they did was not ethical. 
I have documents to back up on all the dates I am implying. It has all personal account numbers. I can attach the court papers and bank levied upon requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. 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 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 2024-09-26 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: AL

Complaint narrative:
I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX XXXX XXXX, XXXX, which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Experian says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.

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 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I believe theres inaccurate data on my credit report, as outlined by 15 USC 16c-2, and it's harming my creditworthiness.

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 2024-09-26 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: FL

Complaint narrative:
Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the Equifax, XXXX and XXXX, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ac/t number ends in : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via XXXX w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX. XXXX XXXX XXXX  used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, whether maintained by XXXX, XXXX, Equifax, XXXX XXXX, Credit Karma XXXX XXXX other credit reporting agency ; Equifax Credit report XXXX XXXX XXXX XXXX XXXX ; XXXX. FLORIDA XXXX XXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon reviewing the XXXX or all CBA ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The documents I received on XX/XX/XXXX shows XXXX the property Deed of Trust was and still is with XXXX XXXX XXXX XXXX an unmarried woman. attached is the document showing myself as the trustor under the security instrument that I have never violated or transferred. 

The Trustee here shows it as XXXX XXXX XXXX so on XX/XX/XXXX, I have no evidence that they sold this at auction. and no proof has been provided. 

I also received a fake Deed Sale that no proof of consideration {$680000.00} was paid and how. the word CASH does not comport to proof, but a method of so called payment that needs proof. 
proof there is actual unpaid debt of {$160000.00} when all principle payments have been paid up to and including XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I was sent an email notification that stated " We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. Please call us as soon as you can at the number on the back of your card or at XXXX ( XXXX ), so we can clear things up for you right away. '' At the beginning of the call I answered all the standard verification questions. The support representative added that they were sending a code via text and I would need to repeat it once received. I explained that would not be possible, due to the fact that I am visually impaired ( macular degeneration ), and asked if the code could be sent to my email listed in the account. After being told no and few holds later the rep said they could email a link to upload a front/back scan of my ID. No small task for a person with low vision, but managed it. A few days later they reached out to say the scan needed to be resent because it looked like it was blacked out or cut off on the back side ( all XXXX  XXXX 's have a swipe strip on the backside top ). I expressed that the ID would look the same and urged them to find a different method of verification. The agent declared there was no other way so, I requested the $ XXXX change reward credit be sent to the address on file and the account closed. I was informed without proper verification the credit could not be sent, but she could close the account. Out of sheer frustration, I instructed them to keep the money and close the account. My daughter wanted to see if she could help and made a three way call. We spent over forty minutes on the phone with an agent and were unable to get any further. He requested an exception because of my situation and I was told someone would be calling the following day to let me know if it was approved. No call, but I received a letter a couple of weeks later asking for me to send a scan of my ID. I still have no clue if the account is indeed closed. I am still receiving statements and account info by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These credit card companies reported me as " inquiring '' which I did not. This was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-09-26 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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