vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-25 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: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with XXXX  XXXX XXXX with the balance reporting or an account at all. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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 XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX XXXX, Has violated my rights 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

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX, # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX XXXX, Has violated my rights 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

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new checking account with Regions bank requiring me to deposit {$50.00} in the account in order to go have a card made for me at ANY branch location, thats what I was told. I open and fund the account, today was the last day of waiting for the pending deposit to fully settle. I walked to the nearest branch to get my ATM card and was told by a nasty representative that the card was already ordered so I had to wait. Going back home to look into more information, I am told that I dont even have an eligible checking account so I try to open one and use the deposit of {$50.00} that I funded two days prior, as the deposit for THIS checking account. Still no access. So now this is day three 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/ XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe 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 2023-10-25 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I am writing to complain to HYUNDAI CAPITAL AMERICA about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XXXX I sent Experian a number of letters, signed by me, requesting to see the source of the information that alleged I had a debt. I mentioned in these letters " As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, mortgage statement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted ''. I did attach each. 

On XX/XX/25 I received back a form letter from Experian claiming " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' The letter offered a website which had no option to verify identity, and a phone number which had no option to verify identity. No option was given to talk to a live human being. 

Experian appears to have figured out that by pretending that no request can be actually generated by the individual in question, they can avoid compliance with section 609 of the FCRA. Based on a brief web survey, strong evidence indicates this is a pattern and practice of fraud within Experian, and many other consumers who are U.S. citizens are similarly jerked around. 

I also have strong suspicions that the CFPB is in on " the game '' with Experian, whereby following this complaint, CFPB will receive an identical noncompliant letter from Experian and close the case as resolved, instead of doing your job. I fully expect in two weeks to obtain this result from the CFPB, indicating your bureau and the company it's tasked with policing are in cahoots. I will then take this matter to my congresswoman, who will then send a letter pretending to do something but then do nothing. I will then take this matter to a series of social media platforms to embarrass the congresswoman into doing something during election season. That's what it takes to get things done in America today, where everybody has a job waiting for them if they play ball and XXXX the little guy. 

If you're an honest conscientious public servant who believes in upholding the law, then thank you for disabusing me of my suspicions and restoring my faith, in part, in the U.S. Government. If you're going to pass the buck, you know what else you can go do.

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 2023-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I spoke with XXXX representatives for XXXX  ( Syncrony ) regarding my last payment XX/XX/2023. I submitted a payment through my credit card to cover the balance, because the interest was astronomical and my payments were being absorbed by interest fees. I paid the whole balance and noticed this week ( of the XXXX XXXX ) that the money wasnt received. I called today, XXXX XXXX, at XXXX pm to ensure that there werent added fees since I paid the due date. The first representative, XXXX, verified my information and after hearing my concern stated that she understood and that there was a payment made but not sure why it didnt process. She waived the late fee, but said they would nt approve her to remove the interest fee. I respectfully asked to speak to her supervisor and she said she understood and would transfer me. I did state that I felt uncomfortable and at loss why I would need to pay {$30.00} in interest when I wasnt late paying, Im still unclear why the payment wast processed and how did they even get that figure..I just didnt understand why wouldnt they remove all fees while I processed the payment again. 

The next representative/manager named XXXX, XXXX # XXXX, was not helpful at all. He refused to connect me with his superior, he refused to give me a last name nor a telephone number, saying the supervisor doesnt accept calls. He kept saying he was unable to remove the interest fees due to a new policy, but offered me no tangible, certified information or anything. I told him I felt unvalued as a customer and I wanted to report this because the interest fees even before this felt immoral and like theyre taking advantage of me as a consumer and that Im trying to pay off my balance or trying again and the company is refusing to do the right thing. I then asked to have my account closed since they are taking advantage of me, not helping in any way, and dont value me as a customer. I felt really upset, unheard and powerless. I took a few screen shots, the day I paid it and one of my account that says I paid. 

Pay off balance as of XXXX, 2023 : {$1100.00} Pay off XXXX : {$1100.00} Rep : XXXX, id : XXXX Rep : XXXX, XXXX ID : XXXX The supervisors name given is XXXX, XXXX ID # XXXX Refused to provide a last name, refused to give a phone or other forms of communication and but gave the below address to write and who knows when and if Id hear back. 
XXXX XXXX XXXX XXXX, PA 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 monetary relief
Consumer complaint received 2023-10-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Starting XX/XX/2023 my loan was transferred from XXXX XXXX to Lakeview Loan Servicing , LLC. Prior to the transfer I had been receiving regular correspondence and statements from XXXX XXXX. After the transfer, Lakeview began sending correspondence to a wrong mailing address. Due to this error on the part of Lakeview, I was not notified of my new loan servicer, that my automatic payments had been interrupted, or where to send my mortgage payments. As a result of this, I was not aware that I had a new loan servicer or loan payments were not being processed until XX/XX/2023 when I received a notification that my credit score had decreased due to missed payments to Lakeview Loan Servicing. I immediately called Lakeview and paid my outstanding balance in full. During this call, Lakeview notified me that they had been getting Return To Sender on all correspondence they had sent to the ( wrong ) address on file. They agreed that this was an error on their part and waived the late fee assessment. I then sent a formal to their credit disputes office requesting that the late payment resulting from their error be removed from my credit report. They again agreed, and notified the credit bureaus that the late payment should be removed from my credit history. Currently, my online loan account shows that I have no unpaid fees or past due balances. However, I received a paper monthly statement for XX/XX/2023 which states I have a Past Due Amount of {$25.00}. I again called Lakeview and asked why this was on my paper statement but not on my online account. They did not answer my question but insisted repeatedly that it was a fee associated with my Closing. I repeatedly told them that my closing was 17 months ago and there were no unpaid fees associated with it. After being repeatedly challenged on their lie, they finally told me that it was a " Corporate Fee '' from an inspection they ordered as a result of my late payment from XX/XX/2023. I told them that the late fee had been waived as it was charged as a result of their error, and therefor this associated inspection fee should be waived as well. They informed me that they are unable to refund this fee, refused to let me speak to a manager/supervisor. They then said that I could speak to their " escalation department '' to attempt to resolve the matter. After being placed on an extensive hold they then said that I actually could NOT speak with their escalation department and that yet another formal letter must be sent to their disputes department.

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 2023-10-25 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: OH

Complaint narrative:
To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : TransUnion, XXXX and XXXX. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my Transunion credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with Transunion and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, 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