vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
GAteway Mortgage group has repeatedly reported historical information incorrectly to the Credit Bureaus THis has caused me irrecoverable harm. I have missed the oppurtunity to purchase a new home because of the Errors on the part of Gateway Mortgage group currently it is showing over 120 days past due however this home was foreclosed in XXXX of 2019, 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Despite requesting a two-month forbearance to address my financial situation, they granted me XXXX months without my consent, and now I find myself XXXX months behind on payments due to their inefficiency in processing my requests. 

Here 's a brief summary of the events leading up to this situation : - In XXXX, I requested a two-month forbearance to stabilize my financial situation. 
- To my surprise, the company extended the forbearance period to XXXX months without seeking my approval or consent. 
- In XXXX, when I reached out to terminate the forbearance, I was advised not to do so, which led to further delays in my payments and increased financial distress. 
- Throughout this period, I have encountered countless obstacles, having to jump through hoops, fill out forms multiple times, and deal with representatives who seem unaware of proper procedures. 

The constant miscommunication, delays, and lack of a single point of contact have caused significant hardship for me and my family. This has negatively impacted my credit, financial stability, and overall well-being. 

I have attempted to resolve this matter through direct communication with the company, but the response has been unsatisfactory, leading me to consider filing a lawsuit to seek appropriate resolution. 

I urge your office to investigate this case and provide guidance on how I can obtain fair and prompt resolution. I believe that [ Name of Lender/Financial Institution ] has violated my rights as a consumer and failed to handle my forbearance request appropriately. 

Enclosed with this email, you will find relevant documentation, including records of communication, forbearance requests, and any other pertinent information to support my case. 

I kindly request your assistance in ensuring that my concerns are addressed promptly and that I am provided with a one-point contact to resolve this situation without further delay. 

Your attention and assistance in this matter are greatly appreciated. Please feel free to contact 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD bank is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

XXXX Account number XXXX Date opened XX/XX/XXXX Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXX of 2022, I purchased a car from US Auto Sales which was financed through US Auto Financing. During the process, I also purchased a service contract and rolled it into my loan. Now, months later, US Auto has " temporarily '' closed and " sold '' my " loan '' to a Westlake XXXX Portfolio. Well, in all of this transition I've found that I do NOT have a car loan -- the car is leased ( not once was the word lease mentioned to me upon purchasing ). I've also found that the vehicle is NOT a standard XXXX, it's a XXXX  vehicle -- which makes my insurance higher. But the absolute WORST part is that now that this company sold my information, the service contract purchased will NOT be honored. And the company pretty much provides us with an " oh well '' and that's that. I filed a complaint with XXXX in which the company simply replied with the fact that they sold the accounts. Hilariously, I received a letter from Westlake confirming that US Auto is indeed STILL my lienholder. With a bit more investigation, I found that US Auto NEVER EVEN PURCHASED THE CONTRACT FROM THE COMPANY WHO PROVIDES THE SERVICE CONTRACTS!!! They LIED and knew it, and STILL had me paying the full amount of my loan. Til this day, I'm paying for a service contract I will NEVER receive. I don't want to have ANYTHING to do with either of these companies anymore! Shame on Westlake for not protecting their customers regardless of length of time being with them, shame on them for NOT investigating the issues they are 100 % aware of. US Auto is fraudulent and Westlake isn't too far behind. My contract clearly shows the amount paid for the service contract ( which is also listed as DEALERSHIP OWNED ), yet I'm being cheated. My contract was very clearly and blatantly broken, I need some kind of resolution! I've been working with a lawyer gathering documents and providing transaction/call dates, I will NOT let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX2023 I sent a letter to Experian, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a savings account with CIti inXX/XX/XXXX. I was able to transfer money in to this account no problem. When I tried pulling money out of this account a week later they told me I needed an ATM card. The company mailed an ATM card which was not delivered to me and instead went back to the company which they have record of. The company is refusing to send me a new card so I can get my money out of this account. I've called Citi every day multiple times a day for a week and half now trying to get my funds. Every time I've called I've verified all of the information and the company proceeded to lock my account. They said I needed a reference number to unlock my account. The person who called left a reference number and call back number that was not correct. Citi kept saying they would call back with a new reference number and never did. Citi then decided to permanently close down my account with all my money still sitting in the account. Even after verifying my information and the transactions I was attempting to make they shut down my account without my approval and now my money is no where to be seen. I can't even see my account on the citi platform. To make matters worse they not only did this to my account they also did this to my fathers account, so I know this is happening to multiple people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was A customer of Bank of America through XXXX to XXXX I had been double dipped Several times for {$35.00} fees and I had to pay it now I found out it was illegal and XXXX XXXX double dipped and said they can do it several times for 1 item!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
I received a response to my last complaint that I put in on XX/XX/XXXX. And the response is false information as I reached out the Company today XX/XX/XXXX, and there is a balance with them for {$180.00} still in collections. The response stated that there is nor further amount due. I have also spoken to XXXX on numerous occasions prior to contacting Linebarger Goggan Blair & Sampson, LLP to see if my dispute has been sent to them and on all occasions, which were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, they have told me they have not received any disputes from Linebarger Goggan Blair & Sampson , LLP, on my behalf. When I tried to settle the debt with them due to the toll notification being sent to my previous address, they explained they could not assist me due to the matter being sent to collections. They have also mentioned that numerous people have the same issue with this very same company. There are a lot of different factors involved in changing duty stations and failing to update my address registered with the DMV is an assumption of inaccurate information. I was in the process of registering my vehicle when the tolls were incurred because I had since then also changed my license plates. I do not appreciate the manner in which this company is handling my disputes especially since I am an XXXX XXXX Service member serving my country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2023 i received an email notice that my credit score dropped for XXXX so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for 20 minutes they could not find my account so i called XXXX and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them 5 ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the XXXX XXXX XXXX and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over 30 days I received response from consumer agencies stating they would keep inaccurate information 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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My XXXX XXXX report indicates that Huntington National Bank ran four inquiries on my report. XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 At this time, my XXXX XXXX file was frozen. 


Huntington National Bank didn't have my permission to access my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a bank account with Truist Bank in XXXX. I was promised a {$400.00} checking bonus for opening the account. I never received my bonus. I met the requirements by receiving direct deposits for 2 months. The information said that I would receive the bonus within 2 months of completing the requirements. By the time XXXX arrived, I realized I hadnt received the funds. I gave an extra month and contacted my local Truist bank in the beginning of XXXX. They said they would call back the next day with answers. They did not. I called customer support to try and fix my problem. They said that they had no bonus showing on my account and that when my account was created I didnt sign up for the offer ( which is not true ). They said it would take 25 business days to resolve and look into the issue. It has been far over that and I called them a second time this past week. They said that there is no actual date on how long it will take. I asked if I could speak to someone in promotions directly or someone else that can help and the agent said that there is no one I can talk to. No one can help. I have to wait an indefinite amount of time and they will address my situation when they have time ( I began this in XXXX and should have had the money by XXXX. ) They are withholding my bonus and will not speak with me or give me help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation