vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XX/XX/year>, I email the XXXX who sold to XXXX a third party company that this was fraud / identity theft! I requested verification from them that I opened this account along with DL, SSn and address used. They were not able to provide any documentation and continues to harass me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit Card XXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Debt was shared wirth another third party collector named XXXX XXXX. Also theres incorrect spelling of my legal name on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: GA

Complaint narrative:
WEST CREEK FINANCIAL DBA KOALAFI XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is reporting a debt to my credit file that does not belong to me. I have never opened a loan with this bank at any point, at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by Early Warning Services ( EWS ) on my consumer report. I have been wrongfully accused of fraud, and despite multiple disputes with the truth, Early Warning has refused to correct this erroneous inquiry.

The issue originated with XXXX XXXX XXXXXXXX, where a fraudulent check was mistakenly attributed to me. XXXX XXXX XXXXXXXX conducted a thorough investigation and concluded that I was a victim of fraud. Enclosed with this letter are : A letter from XXXX XXXX  XXXX confirming their findings and absolving me of any wrongdoing. 
A copy of the police report I filed when I first discovered the fraudulent check. 
Despite this evidence, Early Warning has failed to remove the fraudulent inquiry from my report. This inaccurate information has severely impacted my ability to open new bank accounts and has caused significant setbacks and harm to my financial reputation. 


Early Warning Case Info : Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXXXXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is being reported wrong. This is a XXXX  ( not a mortgage ), which is an installment loan per XXXX and XXXX XXXX monthly debt XXXX Im requesting to remove any reference to mortgage or foreclosure. 

The XXXX XXXX XXXX reported to my credit report as a foreclosure. It was a fraud all over, I paid since XXXX up to XXXX. But this according to XXXX guideness is a installment payment, which it was, not a mortgage payment. 
I reported this to Experian, which is the bureau they reported as foreclosure, affecting considerably my untouchable credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: WA

Complaint narrative:
Key Bank refuses to credit back XXXX fraudulent charge used with my debit card. I've provided them with both a XXXX Police report, that I filed, and the XXXX police department that was already looking into this scam. I've provided Key Bank with the phone number of XXXX XXXX XXXX XXXX ) case # XXXX from the XXXX Police Department and XXXX XXXX Police case XXXX XXXX, also XXXX XXXX XXXX XXXX ) who was the contact for XXXX XXXX XXXX XXXX , that has been desolved a number of years ago. These scammers stole their credentials and now are being used for this scam. 
I've called Key Banks fraud department after each rejection letter, and I'm now at a loss of what to do. They want me to prove the charge should have only been {$5.00} and not the {$1000.00} that was charged with a receipt, and for me to contact the " merchant '' to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX  in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXXThese accounts have resulted in several fraudulent chargeoff accounts being reported to my FICO Consumer Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the U.S FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested the freeze be removed and its still on my credit preventing me from getting things that I need

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX XXXX This account was reported to all three credit bureaus Kia Fianc American {$15000.00} ( Charge Off ) Close Account Opened 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 2024-07-24 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: GA

Complaint narrative:
I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAXXXXX TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS EFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XXXX Morgage company sent a payment to XXXX XXXX for {$3100.00} XXXX read another number. Also my Morgage will increase by {$100.00} in XXXX. I get no equity. I pay taxes and insurance only from my escrow account. I paid {$77000.00} for my property in XXXX. I now owe {$82000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a XXXX  XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 
Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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 currently reviewing my Equifax Credit Report and there are creditors and a collection reporting on my credit report that are not mine. 
I reached out to each company reporting and they we're all able to confirm with me that I am not even in their systems. 
I believe all this has been caused by Equifax 's breach. I believe these accounts are someone else 's possibly. 
Below is a list of the companies that I would like to have permanently deleted from my Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: NC

Complaint narrative:
I have been going through the Deed in Lieu of Foreclosure process since XX/XX/XXXX. I have already filed a complaint ( XXXX ), and as a result of that complaint, they promised to record the document, correct my credit score retroactively to XX/XX/XXXX, and send me a Release document. The Deed in Lieu of Foreclosure was finally recorded on XX/XX/XXXX, but I have not received a Letter of Release, I am still getting statements showing that I am delinquent, and my credit report has not been corrected. I suspect that the Deed was recorded with the wrong information and was returned to the wrong attorney, as the loan was transferred from one servicer to another on XX/XX/XXXX, shortly after I signed the documents and sent them back. When they were finally recorded this XXXX, I was asked to re-sign the Excise Tax Affidavit as it had the previous servicer 's name and address on it, but the Deed in Lieu of Foreclosure document was not redrafted ( in fact, I was told by my current servicer that they were not legally allowed to ) so the Deed still shows the prior servicer and a return address to the attorney for the previous servicer. 

On XX/XX/XXXX, I emailed the Customer Care department for my mortgage servicer, and just last week I received a letter from them stating they would send me a hardship package from the Loss Mitigation department. But the email they sent me on XX/XX/XXXX stated that my credit reporting would be corrected and I would receive documentation stating that I would be released from my debt obligation for this loan once the Deed in Lieu of Foreclosure was recorded. 

I have not been able to get in touch with anyone at this organization, and no one seems to know what is going on. I can not believe it is legal for them to operate this way. I need some resolution to this, as I have now been going through the Deed in Lieu of Foreclosure process for longer than I lived at the property. 
I emailed

the Customer Care team again this morning, and I will be contacting HUD as well. There is also a matter of a Down Payment Assistance loan
that had {$0.00} payments and 0 % interest, that was supposed to follow the original loan, but I'm sure that they won't have a clue about that either. 

I have copies of the email thread with my mortgage company, as well as copies of the Deed in Lieu of Foreclosure and Estoppel Affidavit that were recorded on XX/XX/XXXX. Please help me, as I know for a fact that the mortgage company will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I double paid my account accidentally. I called a week ago to correct the issue and they said it would take XXXX to XXXX days to correct. It has been a week, I called and the representative and he said it would be reviewed tomorrow, and if approved it would take another XXXX to XXXX days. This is totally unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I can not apply a payment to my account. They have locked my online account and tell me to call a customer service line that does not have anyone on it. I have sat on hold for XXXX hours multiple days this week with no one answering my call, and then after XXXX hours it just drops my call and disconnects. They did some maintenance to their online payment portal and thus have canceled my card and are reissuing me a new one but it takes XXXX business days to get. All I want to do is pay my card without getting late fees or negative issues.

Company response to consumer: Closed with non-monetary relief