vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
Amerisave and XXXX XXXX  Forged the Deed of Trust to my property on XX/XX/year> without my acknowledgement or Consent. It it unlawful to Generate a deed of trust as a Service Provider in the State of Tennessee without the Consent of the Owner. The Attorney acting on behalf of these Company 's have sent threatening letters of foreclosure holding No Original Note and a Cloudy deed of trust that was forged. XXXX XXXX has not Verified or Validated the debt or Provider the Original Creditors Information as Requested.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX 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 explanation
Consumer complaint received 2024-06-17 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: KY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-06-17 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: KY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I went through a divorce in 2018. I moved out of my house in XXXX of 2018 located at XXXX XXXX XXXX XXXX NY XXXX. As a result of my divorce, I was forced to file bankruptcy in XXXX of 2018. My bankruptcy was discharged in XXXX of 2018. The power company in NY ( XXXX XXXX ) reinstated the power after I left, without my authorization. My home was part of my bankruptcy. Upon finding out they were trying to collect for a bill I did not authorize, they turned me over to a collection agency ( transworld systems inc ). This has severely damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
A LigthtStream ( aka Truist ) representative called and emailed me to tell me that I did not qualify for their modification program because my balance was not low enough to extend the loan for 24 months. The rep told me that Lightstream applied most of my payments to interest payments and only allocated small loan balances to my principal balance. 

Question? Why offer this program to consumers and then tell them we are ineligible for it? A company representative emailed me : We regret that we can not approve your request for the following reason ( s ) : Insufficient payment reduction is available. This program misleads the customer. The company used the bait-and-switch tactic on the consumer. I qualified for the program online and was approved for a 12-month modification program to reduce my current interest rate of 15.74 %. 15.74 % is a high rate. 

It's disconcerting to learn from a Lightstream representative that this program was a pilot designed to test how the consumer would respond. Why would a company 'test ' its consumers this way? It raises serious questions about the company 's intentions and practices.

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 2024-06-17 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 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:
I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft..

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 2024-06-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-06-17 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: AL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-17 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: CA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-06-17 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: CA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-06-17 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: NJ

Complaint narrative:
On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX. I have only XXXX current address beginning with XXXX XXXX  all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 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 XXXXQUIFAX MORTGAGE SERVICES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX there was a withdrawal of money from the card. On XXXX XXXX XXXX I noticed this and called the card company. They told me they would lock the card and make an investigation. They told me it would take 10 days for the investigation. On XXXX XXXX XXXX I received an email regarding the conclusion of the investigation. They concluded that they didnt find sufficient evidence to support my claim that someone took money from the card via an ATM. So no money was given back to the card.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the 1st and 10th of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Bonneville Billing and Collections
State: HI

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to Bonneville Collection 's Claims Regarding Complaint Dear CFPB, I am writing in response to Bonneville Collection 's recent communication concerning my complaint about their unfair and illegal credit reporting practices.

Bonneville Collection claims that I submitted my initial dispute on or about the same day I filed my complaint with the CFPB and that prior to this, there was no record of me requesting validation of the debt. They also mention that this complaint represents their first record that my address differs from the address used at the time of placement. 

I would like to clarify and dispute these claims with the following facts : Multiple False Reports : On XX/XX/year>, and then again on XX/XX/year>, Bonneville Collection reported false information on my XXXX credit report. Initially, they reported that I owed {$110.00}. Subsequently, they changed the amount to {$110.00}. The statement they recently provided indicates a different amount of {$110.00}. This inconsistency clearly demonstrates a lack of accuracy and reliability in their reporting. 

Lack of Validation and Signature : I have repeatedly requested validation of the debt from Bonneville Collection, including a request for my signature to verify any obligation. They have failed to provide this validation. The absence of my signature further supports my position that I do not owe this debt.

Given these points, it is evident that Bonneville Collection has been inconsistent in their reporting and has failed to adhere to the requirements of the Fair Credit Reporting Act ( FCRA ). Their inability to provide proper validation and their contradictory reporting amounts have caused undue harm to my credit score and personal stress.

I respectfully request that the CFPB take appropriate action to address these violations and ensure that Bonneville Collection corrects their records. I also request the immediate removal of all erroneous entries related to this debt from my credit report. If this issue is not resolved promptly, I will be compelled to pursue legal action to protect my rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

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 2024-06-17 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I need to re-document and refile this grumbling to GM FINANCIAL. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My bank account was hacked and {$17000.00} was stolen from my account in the form of 64 different ATM withdrawals and withdrawal fees. I filed a dispute for these transactions to my bank and they denied my claim. So I filed a rebuttals and they denied that too and refuse to refund me my stolen money as a result

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I made an international wire transfer to my brother in XXXX XXXX weeks ago. For some reason, Bank of America put a hold on this transfer. I called customer service five times during the last two weeks. Every time I call, they tell me that there's a hold on the transfer because they need to confirm some information about me and the recipient. I gave them the information, and every time I am told that it will take only 1-2 days to review the provided information and lift the hold. This never happened, and I end up calling them again and repeating the same cycle!

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 2024-06-17 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed this fraudulent account on 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