vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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:
I am writing to formally dispute the presence of inaccurate information on my credit report. I have recently conducted a personal investigation into my credit report maintained by your agency and found several discrepancies that need to be addressed under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, particularly under 15 U.S. Code 1681e ( b ) and 1681i ( a ), it is imperative that all consumer reporting agencies maintain the maximum possible accuracy of the information reported and promptly address any inaccuracies or unverifiable information in the consumer 's file upon dispute. 
The following personal information listed on my report is incorrect and I request it to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following account is listed incorrectly as a collection account and must be removed from my report : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Thank you.

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 2024-05-07 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-07 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: NY

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-07 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, I XXXX XXXX XXXX Trustee, for The XXXX XXXX XXXX XXXX minority woman and mother of our XXXX XXXX, was forced to filed Bankruptcy XXXX, due to Fay Servicing , LLC and their Investor ; XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX ) of my deceased mother, XXXX XXXX XXXX XXXX XXXX XXXX. I filed XXXX as an XXXX  XXXX to stop the Wrongful Foreclosure, Trustee Sale of our home. Fay Servicing and their Trustee ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Auctioned our Home later that day, XX/XX/XXXX, XXXX, despite of my Automatic Stay Bankruptcy Proceedings filing on XX/XX/2024 before Auctioneer Auctioned our home. 

Fay Servicing and all of their assignee 's mentioned have all, Violated our Civil Rights, Violated my Automatic Stay Bankruptcy XXXX Proceedings, have Discriminated our entire minority XXXX Family and Violations of all of Federal and State Laws here in our state of XXXX 

Enclosed, you will find supporting New Evidence to support my complaint against Fay Servicing. After 40 days and 40 nights of harm from XX/XX/2024 to XX/XX/XXXX, XXXX, we the XXXX XXXX received an written notice from the winning bidder and their Attorney of our home. XXXX XXXX XXXX agent/owner of XXXX XXXX XXXX XXXX XXXX stating their the new owners as of XX/XX/2024 when Fay Servicing and all of their assignee 's Unlawful, Deceitful, Auctioned our home and failed to disclosed all material facts and evidence of my XXXX filing when they were all in notice and knowledge of my XXXX filing and Proceedings. XX/XX/2024 our home was { RESCINDED-REVERSED } back Legally to our XXXX Family when, Fay Servicing and their assignee 's mentioned where all aware of their Violations per our complaints to all Federal & State Agencies . 

Deception, misrepresentation, unfair business practice BY ; Fay Servicing and all of their assignee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, our balances and trades were not accurately being processed and displayed. I spoke to a bank representative through their chat option. I was told that they were having technical issues displaying information correctly. 

The site showed one of our trades was rejected, but the representative confirmed it was an error and that it had in actuality been processed and completed. They said the issue would be resolved by Saturday, XX/XX/XXXX. We emailed the chat transcript to our email address for reference. 

By Sunday XX/XX/XXXX, the transaction history and balances appeared to be correct and the issue resolved. 

On Monday, XX/XX/XXXX I placed an order to sell my XXXX ( XXXX ) options to close my position out and my trade was then updated to " rejected '' on the site. It displayed that I needed to contact customer service via phone call to complete the order. I got on the phone as well as the chat for assistance. I reached a chat representative first and explained that our order was rejected due to their site issues and the longer we waited the more monet we lost on the trade they failed and refused to place. The representative apologized and told me that they can only resolve trades via calls and there was nothing they could do. They also had now disabled the " email chat transcript '' option and I had to manually save the transcript as PDF. I spent about XXXX on hold without being able to reach a representative on the phone. At this point I hung up resigned that I lost the trade due to their site negligence and long call wait times. Since this morning I am still seeing an incorrect balance on my account along with missing transaction history after XX/XX/XXXX. This is costing me alot of money and I still have active options in my Ally XXXX account. 

Please, any help is greatly appreciated as I have $ XXXX between savings and investments and I can not afford to run the risk of incurring any further losses due to their site and customer support negligence. Attaching call wait times, and chat transcripts for reference.

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 2024-05-07 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: PA

Complaint narrative:
FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccuracies in the reported amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CT

Complaint narrative:
I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Experian FRAUDULENT ACCOUNTS TO BE DELETED : XXXX. XXXX XXXX ( closed ) account # XXXXFraudulently opened on XX/XX/XXXX ( Identity Theft! ) XXXX. XXXX XXXX account # XXXX. Fraudulently opened on XX/XX/XXXX ( identity Theft! ) FRAUDULENT INQUIRIES TO BE DELETED : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX. XXXX XXXX NA Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/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 2024-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
XX/XX/2024 Tried to make payment and got " only one payment per day '' but have not made a payment in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-07 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: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 2024-05-07 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: IL

Complaint narrative:
FCRA XXXX stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MR COOPER who identifies themselves as a debt collector, are claiming that they lent money in XXXX and are asserting themselves to be a financial institution. Based on 15 U.S. Code 6801 which states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, therefore, it is my right to protect my private information from being shared. 15 U.S. Code 1681 section 604 a section 2 states in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Several requests were made in XXXX, attempting to establish whether MR. COOPER lent money. Instead, the information they provided seems to show that they committed fraud, as well as violations against the Fair Credit Reporting Act, FDCPA, possible mail fraud and Privacy Act of 1974. They continuously post notices on the real property 's door when nobody is there, Disturbing the Peace and security of the gated community. Additionally, I gave no authorization to MR COOPER, its successor, predecessors or subsidiaries to furnish my private information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: GA

Complaint narrative:
There is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I am not certain of all the exact times and dates of transactions. I received in the mail with a billing statement for a card i've never used. I called and was told the card has since been closed with a balance of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX TRANSFERRED A PHANTOM CLOSED COLLATERAL FILE FROM REAL TIME RESOLUTIONS FOR A DEBT OBLIGATION THAT WAS BY MUTUAL AGREEMENT TERMINATED, AFTER BEING ACCELERATED XX/XX/XXXX. AND BECOMING TIME BARRED AND ALSO XXXX XXXX CLOSED BY SETTLEMENT TERMS AS I HAD PREDATORY LOANS FROM MY FIRST LIEN AND XXXX ELECTED TO CLOSE THAT TO A XXXX BALANCE {$0.00}. 

MORE THAN 16 YEARS SINCE FIRST DEMAND OF ACCELERATION. 
MORE THAN 14 YEARS SINCE LAST PAYMENT OF PRINCIPAL AND OR INTEREST THAT CA. COMM. CODE 3118b IS TIME BARRED AND FROM XXXX WAS ALSO DISCHARGED BUT WAS ALREADY PRIOR CLOSED TO XXXX SINCE CCP 337 XXXX YEARS, XX/XX/XXXX TO XX/XX/XXXX. REMOVED OFF MY CREDIT. {$0.00} BALANCE. 

NOW IN XX/XX/XXXX RTR HAD ACCESS TO STALE COLLATERAL FILE AND TRADED MY PERSONAL INFORMATION TO SLS AND THEY STARTED TO CREATE THE FAKE DEBT TO CLAIM IT WAS OWED AND DUE AGAIN. THEN HIRED A NEW SUB OF TRUSTEE TO EXCEED THE CONTRACT PROVISIONS AND EXCEED THE RULE OF LAW AND CREATE A FALSE NOTICE OF DEFAULT AND CHANGED THE DUE DATES THIS WAS TO FALSELY USE MY NAME TO COLLECT ON A LIEN THAT IS BY LAW EXTINGUISHED AND SATISFIED. THAT SUCH NOW MY IDENTITY IS USED FOR THIS FRAUDULENT REAL PROPERTY THEFT BEING SOUGHT ON XX/XX/XXXX THREATENED TO TAKE OVER MY PROPERTY WHEN THE LIEN IS UNENFORCEABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-07 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: GA

Complaint narrative:
On XX/XX/year> there was a letter sent to Equifax asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

Company response to consumer: Closed with non-monetary relief