vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Lakeview Loan Servicing and XXXX XXXX have mishandled and misappropriated funds in my escrow account. On XX/XX/year>, I purchased a homeowner 's insurance policy through XXXX XXXX for {$2300.00}. I cancelled the policy around XX/XX/year> and I was refunded. On XX/XX/year>, I noticed my mortgage payment increased over {$400.00} without notification from XXXX XXXX. I was never, ever informed that my escrow had a shortage at any point in time. Any changes made to my online account WERE NEVER SENT TO ME VIA MAIL NOR PHONE NOR EMAIL CORRESPONDENSE. They have been making changes to my account WITHOUT NOTIFICATION. And they CAN NOT PROVE AND CAN NOT SHOW TO ME HOW MY ESCROW ACCOUNT GOT NEGATIVE TO THE TUNE OF {$3300.00}. THEY REFUSE TO PROVE TO ME THAT THEY APPLIED THE REFUND OF {$2300.00} TO MY ESCROW ACCOUNT. I was on the phone with their insurance department, they COULD NOT BREAK DOWN THE NUMBERS TO PROVE TO ME HOW MY ESCROW WAS SHORT. I was transferred to someone else in the XXXX XXXX department and SHE COULD NOT BREAK DOWN THE NUMBERS TO MATHEMATICALLY PROVE HOW MY ESCROW WAS SHORT. SHE COULD NOT ACCOUNT FOR THE REFUND OF {$2300.00}. The woman HUNG UP ON ME. I believe XXXX XXXX has stolen or misappropriated funds in my escrow account, which is resulting in such a high shortage. The last agent I spoke with sent me a transaction history, and IT SHOWS XXXX XXXX DEDUCTING THE {$2300.00}, RETURNING IT TO THE MY ESCROW ACCOUNT IN THE FORM OF A DEPOSIT, AND THEN IMMEDIATELY DEDUCTING IT AGAIN. They are misappropriating my funds.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
They close my account because I didn't give them a lease agreement. It was the branch in Indiana who did it to me. There's not the first bank in Indiana to do something like this to me. I have to keep my actual address a secret. Because I have stalkers and people pain people to slander me. Take me out. Do whatever it tastes to make sure that I stay homeless. This is no joke. There's a proven paper trail and I'm tired of being homeless. I do nothing but do good. Build my credit and try my best to get out of my situation. It was branch managers being part of it for regions and old national because old national closed. My bank account instantly the next day. Because the branch manager was related to my sister 's husband so she closed that account and made it XXXX  's blacklisted in XXXX XXXX and now in blacklisted in XXXX, and I haven't even done anything nothing that goes against any other policies just hid my actual address. Which is not required to have a lease agreement. They tried to make it to where I didn't get my XXXX. They failed. I need the branch XXXX of the XXXX XXXX branch.The where I open the account needs fired i've been dealing with this type of stuff for 10 years. XXXX has allowed people to slander me, and now that i'm not getting on XXXX, just like before they're paying people to do this to me.

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 2024-12-04 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: GA

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This is now my THIRD time mailing you about some unverifiable items on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provided ANY form of verification, authorization, or proof of permissible purpose I have contacted TRANSUNION multiple times informing you of this, and you have failed to verify these inquiries. 

Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible permission. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately :

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 2024-12-04 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Need all three credit bureaus to remove this as its been over 7 years the California business bureau collection has been on my report. Its against the law to report anything without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-04 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: CT

Complaint narrative:
Upon reviewing my credit report, I was outraged to find several inquiries from your company that I never consented to. These inquiries are significantly harming my credit and causing overwhelming stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-04 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: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
I am filing this complaint regarding TransUnion 's failure to properly investigate a dispute I submitted about an account with XXXX Bank listed on my credit report. Despite providing multiple pieces of supporting documentation proving inaccuracies in this account, TransUnion continues to verify the account as accurate. This action demonstrates a failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, TransUnion is required to conduct a reasonable investigation of consumer disputes ( XXXX XXXX. XXXX ). However, representatives from TransUnion have informed me that they rely solely on automated systems to verify disputed accounts rather than conducting a thorough, fair, and accurate investigation. This automated process fails to consider the evidence I provided, resulting in the repeated verification of inaccurate information. Additionally, TransUnion has violated its duty to ensure maximum possible accuracy in the information it reports ( XXXX XXXX. XXXX ( b ) ). By relying on automated processes instead of a meaningful investigation, TransUnion is reporting inaccurate information on my credit report, which has caused harm to my creditworthiness. 

Furthermore, under the FCRA ( XXXX XXXX. XXXX ), any creditor reporting information on a consumers credit report must have a permissible purpose. If XXXX XXXX  does not have a valid and lawful reason to report this account, its continued presence on my credit file constitutes another violation of my rights under the FCRA. 

I am requesting that this XXXX XXXX  account be permanently blocked and deleted from my credit report due to these violations. Additionally, I request that TransUnion provide a detailed explanation of the investigation process used to verify this account, including any communication with XXXX XXXX. This matter highlights serious non-compliance with federal law, and I urge the CFPB to investigate XXXX practices to protect consumers from further harm. 

I have attached supporting documentation to this complaint, including proof of inaccuracies in the account, records of my disputes, and summaries of my interactions with TransUnion representatives. XXXX failure to comply with its obligations under the FCRA has resulted in substantial harm, and I demand immediate corrective action.

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 2024-12-04 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 am writing to formally request that the following accounts be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}

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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 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: FL

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts have been added to my credit report. I am requesting that these accounts be blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the details of the accounts that require action : Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts have been added to my credit report. I am requesting that these accounts be blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the accounts that require action : Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$1500.00}

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 explanation
Consumer complaint received 2024-12-04 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-04 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: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
It is appalling that you have ignored my repeated requests to correct accounts on my credit report that are in litigation and not properly verified.

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 2024-12-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief