vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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:
XX/XX/XXXX,, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX DOB : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX I XXXX got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. 
There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. 
Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The company Capital One has reported inaccuracies to the consumer report file. Account has been reported as a charge off, past due account. The debt security provides a bond and coupons for previous months all that show proof of the XXXXXXXX XXXX  within the company and would highlight that all dividend payments received from the coupons via the electronic funds transfer act are due to the XXXX. 

It is of truth the borrower has funded the entire transaction when the borrower signed the promissory note. The bank/Capital One has no legal claim to a loan since Capital One did not bring an equity to the transaction. It is of truth that the borrower has a superior claim in equity since the bank/Capital One has not taken a loss according to generally accepted accounting principles. Proof of such loss would in fact be required to be reported to the IRS for accurate book-entry reporting. As that is a federally implication of fraudulent activity if not reported accurately. Securities Exchange Commission advises that all false and fraudulent activities pertaining to securities are reported for the protection of the investors and there securities and shares within a company. 

I am requesting all errors and inaccuracies being reported to the consumer report file be removed and correct reporting is reported. All payments owed to I the investor from the dividend payments that capital one received from the XXXX XXXX  via the electronic funds transfer act be disbursed to I the XXXX. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I originated a loan with XXXX XXXX  who then had XXXX do the servicing. In XXXX, I attempted to log in to the servicer website. I was denied access. They were in process of transferring my loan. My payment was due on XX/XX/XXXX. I refuse to pay by phone. I want to do everything through an online portal. After much finagling I was able to log in. Then I lost access XXXX days later. This was due to a site upgrade. They told me it would be XXXX weeks before I gained access. I finally was able to log in and make my XXXX payment. Now as I try to make my XXXX payment, I once again have no access to the website. It is not my issue. It is their issue. And they make it clear they are a debt collector and given that I have never in my existence ever dealt with a debt collection company this is grinding my gears. I have excellent credit and never miss payments. This is absurd that I have to call every month because their system wont allow me access.

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 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I have called them every month for XXXX year after they started a new web site You are unable to add a payment method on their website. They continue to say it is a technical issue but it has been over a year. I believe it is on purpose so they can generate more late fees. I have not incurred any late fees yet. 

When asked if they can do it on the phone they say NO???? 

The company is, Lakeview Loan Servicing , LLC is based in XXXX XXXX, FL and XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
Today XX/XX/24 I received an email that an account was opened by Chime and they were requesting a deposit to finalize my account opening. I did not initiate this. I called and they had my correct ssn, my maiden name and a previous address. Chime needs to do a better job of verifying identity before opening an account to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not allowing me access to my credit report and records of the disputes. When I log into the portal and request free credit report because I am on public assistance and applying for employment within the next XXXX  days. The portal just continues to deny access to me viewing my credit report and states no " indicator on file ''. I can not see the history of my disputes to know the status. When I log into the portal is also states the wrong name, so I am not sure if they are mixing my file with another individual or what. I would like to be able to see my XXXX XXXX XXXX, freeze status and fraud alert status. I should be able to use the security free and fraud alert function IF I need to, but the website is not giving me any option to do so and when I call Equifax they state there is a " glitch '' in the system, but they have been using this excuse for over XXXX  months when I ask for my credit report. Equifax is in receipt of my current government issued identification and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to LexisNexis on several occasions and they have not updated my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
on XX/XX/year> transunion was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I found out they have a report on me without my consent, it has my social security number, my residence, account number information, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I was scammed in XXXX. I notified all concerned immediately and stop payments. I have made no less than 20 attempts at contacting sycronicity and resolving this issue. I received nothing in writing from them until I filed a complaint. Now I'm being harassed buy them. 
I filed a police report the day it happened ( XXXX ) and provided sycronicity with the details.

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for its failure to accurately report and properly investigate disputed information on my credit report. The following accounts are being reported inaccurately : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Numbers : XXXX and XXXX I have disputed these accounts multiple times with TransUnion, requesting that a thorough investigation be conducted and that these inaccuracies be corrected or removed from my credit report. However, despite my repeated efforts, TransUnion has refused to conduct a complete and proper investigation, and the inaccurate information remains on my report. 

This negligence not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has the potential to cause significant harm to my creditworthiness and financial standing. 

I am requesting that the CFPB intervene in this matter and ensure that TransUnion conducts a full and accurate investigation of these disputed accounts. If the accounts can not be verified or corrected, they should be promptly removed from my credit report. 

Thank you for your attention to this serious issue.

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 2024-08-15 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: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/year>, XXXX allowed Alliant Credit Union to withdraw {$1000.00} from my checking account. This is despite the fact that I have absolutely no relationship with Alliant. I filed a complaint with XXXX and the money was replaced after month. ( Calls to Alliant were unsuccessful and I was told they would only deal with my financial institution ). I have called XXXX 8 times to find out how they allowed Alliant to steal {$1000.00} from my account with no authorization and, to date, have had no response whether this was fraud by the Credit Union or the Bank or a horrible mistake. In my mind it is unconscionable that a Bank should allow another institution to steal money from a client without the Credit Union determining its validity. Since XXXX refuses to tell me any reason for this activity, I am appealing to your institution to help me. I would like to know how Alliant stole this money, kept it, and refused to answer any of my questions about the transactions. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-15 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : 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 non-monetary relief
Consumer complaint received 2024-08-15 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : 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 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I applied for a personal loan to purchase a boat. The " finance company '' called me and sent me a contract for the loan. Part of the verification process was to have them verify my bank by making 4 deposits which they then requested i send back to them. I proceeded to do so, but it was a scam. the deposits they made to my USAA account were quickly reversed on top of the debits from the payments i sent to them. USAA has said they will not offer any type of assistance in disputing the charge and then locked my bank account restricting access to my other accounts. I reported the scam to USAA immediately, and the fraud department advised me that they are already familiar with the exact name of the company conducting the scam ( XXXX ) and they are well-aware of what took place. They wont help me at all.

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 2024-08-15 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-15 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: IN

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-15 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of 1974. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.

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