vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and XXXX has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the XXXX and Equifax has.my date of birth is XX/XX/1981 XXXX has it XX/XX/1981 its wrong. 
XXXX has my employer direct deposit and Equifax has XXXX and that is wrong need to be updated. 
XXXX XXXX XXXX  original balance is wrong has {$10000.00} for Equifax and {$5300.00} for XXXX the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX XXXX XXXXXXXX open dates are wrong on tranunion and XXXX and needs to be removed. 
XXXX XXXX XXXX XXXXXXXX original balance is wrong on XXXX {$800.00} and Equifax is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on XXXX and XXXX shown two different dates and need to be removed of my report.also the past due is showing two different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing 2 different dates XXXX and Equifax and report dates are both off and needs to be removed off my report. 
XXXX  # XXXX loan terms are showing two different years on XXXX and Equifax. Reporting dates are both wrong on XXXX and Equifax and needs to be removed off my report. 
Bankruptcy XXXX  XXXX need to be removed courts does not send any data to credit agencies and need to be remove due to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
There are accounts being reported inaccurately on my credit reports. They are deliberately being reported as if they were accurate. This in turn is damaging my reputation and character. It is ruining my ability to gain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I applied for an Indigo Mastercard issued by Concora Credit. I was approved but was never informed about the credit limit. I received a confirmation email and using that information and the online account. I found it was only a {$300.00} limit. I immediately called Concora and stopped the process / cancelled. I received a verification letter from Concora that the account was closed. I never received a card so the account was never activated.

Today I received an email " statement '' indicating I owed Concora / Indigo {$75.00}.

I should owe then exactly XXXX. I tried calling numerous times but they have " technical difficulties '' as usual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Hello This is to let you know that the rates that I requested to be locked for my home mortgage ( XXXX buy down ) was not locked at the time and day I requested and it was delayed for no valid reason. I asked for the rates to be locked according to the quotes I was sent by MTH loan agent and I replied back on same day around XXXX to lock it for me. Loan agent sent no reply and I got reply the next day XX/XX/XXXX only to say that market had changed and rates have risen since then. Reason for no reply on XX/XX/XXXX was that agent was not working in the evening ( though it was only XXXX when I asked for rate lock ). I have been asking for rates on XX/XX/XXXX as well but there has been a large delay in my replies and every time I am being a new higher rate quote. 

This has led us to think again if we want to move forward to buy the house for which closing is on XX/XX/XXXX. Theirs delay have caused higher closing costs and future mortgage payments. Increased amounts are significant to us. 

Hence I kindly request you to please consider my request and help us get the rates that were quoted on XX/XX/XXXX. I don't want to say significant higher costs because they delayed things and did not act on my request. Appreciate your help. Attaching the quote as well that I was given on XX/XX/XXXX. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: MI

Complaint narrative:
I started to see some withdrawals from my account that I did not autherize from a company called XXXX.I did not catch when it first started by the time I caught it they savurgam had charged me twice a month XXXX XXXX for almost a year.My bank Comerica bank investigated then credited my account for all the charges.Then a week later after I used the money they posted the charges again from XXXX putting my account over drafted.The explanation I got from Comerica was that they credited my account because it was fraud but because of some 60 day rule they reinstated the charges.I told them why did you credit my account with the money then they had to know I would spend it.This does not seem right.thank you for taking the time to read my complaint.If you want to talk to me please leave a message as I am totally XXXX and have a hard time getting around when XXXX XXXX XXXX  away from the phone.Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I received an advertising mailer addressed to myself ( XXXX XXXX ) from Citizen 's Bank- stating Get up to {$600.00} on us. The mailer reads to use the QR code or go to the website to open your accounts and get your bonus ( mailer attached ). I open a Checking and Savings account online on XX/XX/year> and I received an email confirmation from Citizen 's Bank, on that same day. I was sent a debit card to access both accounts and banking information from Citizen 's Bank shortly after opening the accounts online. A few days after I was sent the debit card, I was unable to access the bank accounts online, which prompted me to call customer service, who then informed me that the back office team had disabled my online banking access. Left with no other option I went to the nearest Citizen 's Bank branch on XXXX XXXX, which is 20 minutes from my home and spoke with a branch manager ; XXXX XXXX. XXXX XXXX asked to see my driver 's license, social security card, asked for my employment information and informed me that the accounts I opened online were closed. I asked why the accounts were closed and he could not give me a reason, he said he didn't know and that he could open another account for me and I would still be eligible for the offer sent to me in the mailer to receive {$600.00} for opening a savings and checking account. I agreed to open the accounts, then gave the manager {$50.00} in cash, the accounts were opened and I received another debit before leaving the branch. I made sure to ask about online banking before leaving and was assured that the back office team were working on the online banking and it should be up and running within a day or two. I reluctantly left due to living 20 minutes away and not having any idea when I would be able to get back to the branch if I ran into any issues and the fact that online banking is so convenient, I wanted to make sure to have everything ironed out before leaving ; as I didn't trust that Citizen 's Bank was going to honor their advertisement nor care about the inconvenience they caused their potential customers. Furthermore, the reason why I was reluctantly to leave I know I would be the one to suffer behind Citizen 's Bank 's misleading business practices of taking consumers money to opens and then the customer has to wait to get their money back when Citizen 's Bank feel like mailing to you- all the while the customer ( I ) have wasted time, energy, money for gas, etc. just so Citizen 's Bank can meet a quota of the number of open accounts or any of company gain by sending deceptive mailers to consumer when they have no intention to give consumers the money they are advertising ; {$600.00} for switching banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX saying that my new monthly payment was going to be {$4100.00}. This company sold this loan to Lakeview Loan Servicing and I got a letter on and this company is telling me that my new mortgage payment is {$4800.00} We proceed to call the new loaner company Lakeview and clarify the issue on XX/XX/XXXX and they told us to send the documents that XXXX sent on XX/XX/XXXX we did the process online and email out the document same day. We called again to Lakeview on XX/XX/XXXX trying to get an update and they told us because the loan was recently sold they are still working on getting all the documentation to update my mortgage payment as needed. Today XX/XX/XXXX called again Lakeview and XXXX told me that they close my last request and that I needed to reach out my previous loaner I told her honestly we dont know what else to do we already email out the document and you guys bought the loan so you need to have all the documentation even though we emailed out on XX/XX/XXXX the lady put on hold to review notes and documentation and after waiting on line she told me that their company will run another escrow analysis on XXXX and that will the monthly mortgage payment, so I asked her at this point my only option is to do a payment on that mortgage amount and wait? She said yes, so I told her honestly this is very unfair and at this point Ill file out a claim because it doesnt make any sense I got a letter from previous lender with an updated mortgage amount and now the only option that I have is to pay whatever lakeview wants me to charge.

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 2024-04-10 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: FL

Complaint narrative:
I a not responsible with like to be removed evidence submit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. One of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
When I viewed my credit profile I saw I had some hard inquiries that are not mine.

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 2024-04-10 00:00:00
Product: Mortgage — Reverse 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: Fay Servicing, LLC
State: AL

Complaint narrative:
My grandmother Insurance company sent fay Service a check to pay off her mortgage. Fay service sent the check back, and the Insurance company sent the check back to Fay service after they received the check they told my grandmother her property is up foreclosure and her check is just sitting into an escrow account. My grandmother never had an issue with her mortgage being paid it. Everything went down hill when Fay service took over. Fay service was taking money out her account twice amount a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello on XX/XX/year> I submitted a request to transunion to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

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 2024-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I was told by a representative at Sunrise Credit Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed 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 2024-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Profolio Recovery is reporting inaccurate information to all of my credit bureaus. I have no legal buying contract with them. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXX XXXX The late payments reported are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.

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