vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
XXXX XXXX XXXX reported the incorrect debt Collection amount on my credit report, and the debt is already paid.

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 2024-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: LA

Complaint narrative:
On XXXX XXXX XXXX  I emailed my loan officer XXXX XXXX with Cross Country Mortgage, requesting to have SCRA benefits applied to my loan. XXXX replied via email instructing me to sign the loan documents and that he would look into my request to have my SCRA benefits applied. Then on XXXX XXXX XXXXXX/XX/year>, I emailed XXXX XXXX, again requesting SCRA be applied to my loan with Cross Country and included another copy of my orders. XXXX then replied that he is unsure what it is that I am requesting and that I would need to go through loan servicing. I then emailed the loan servicing department requesting SCRA be applied and included my XXXX XXXX in the email and they have not responded. In addition to these emailed requests, I have called their customer service department on several occasions requesting to speak with someone regarding SCRA protections and their customer service team stated that they could submit a request for someone to call me back. I have received XXXX communication or help from Cross Country regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express account closed and showed a balance of XXXX that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted some erroneous and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
Incorrect Personal information is being reported by the credit reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Columbia Debt Recovery, LLC a.k.a. Genesis is a company I had never heard of before they contacted me via email about a year ago. I sent certified mail asking they provide proof of the debt in accordance with consumer law. They refused to do so. They can only provide a stolen document from an old lease that was paid off a long time ago. This does not suffice as proof of the debt pursuant to consumer law! 
They then reported the account to the three major credit bureaus. I again demanded they provide proof of the debt. They did not. I sent a police report. They ignored the police report. Furthermore, they are attempting to collect on a debt that is older than three years old which is illegal in the state of XXXX XXXXI am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to buy my first house. Genesis is breaking consumer law, destroying my good name, causing my XXXX XXXX ( who has XXXX from war ) and I significant stress, and preventing us from purchasing our first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am unable to get a bank account and put certain things in my name. I think I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The Following inquiries are unauthorized and fraudulent and i need them removed immediately. 
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 XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We need your help with these servicing companies. RightPath Servicing LLC is now communicating to us that our loan is now serviced by another company by the name of Rushmore Servicing. 

Our loan number is XXXX. We have been current on our mortgage payments since 2018. I am a XXXX veteran and my wife XXXX is XXXX XXXX We need your help in finding ways to replace these servicing companies with abusive practices. 

The last time we checked with RightPath Servicing Company they gave us a payment balance of {$300000.00}. However, when we asked for a payoff amount they communicated to us that the payoff amount includes a {$100000.00}. This according to them makes our payoff amount over {$400000.00}. 

Please assist us in clarifying with the mortgage servicing company why this {$100000.00} is something we owe. Also, every year they change from one company to another. The last letter is attached herewith. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: AL

Complaint narrative:
Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-02-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have unauthorized inquires on my XXXX consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I attempted to make an XXXX dollar payment to paypal XXXX XXXX on the paypal app XX/XX/2024. After the first attempt my screen was white, I tried again for XXXX same thing, again I tried for XXXX nothing. I logged onto the computer and paid XXXX which worked. The XXXX was the ONLY thing showing in my pending payments. The NEXT day the XXXX went through with my bank and all was well. On the XXXX the 3 failed payments suddenly went through absolutely putting me into the negatives. How did this happen especially says later? XXXX was able to get one payment back from me but this put me in a horrible spot financially. The worst part is I was charged a returned payment fee. On the XXXX, 2 of the XXXX payments were returned due to insufficient funds.A WEEK LATER the 2 XXXX were taken out again without permission. Bank has continued to ignore XXXX on 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 monetary relief
Consumer complaint received 2024-02-13 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: IL

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: NV

Complaint narrative:
on XX/XX/year> Zions Debt Holding received a certified letter they signed for stating to cease and desist with communications with me they were to remove this account off my consumer report which is a means of communicating with me. They continue to send out text messages after the letter was sent. They continue to harass and use abusive language, and obscene language towards me and contacting me at my place of business. 

They contacted me Via text message on XX/XX/XXXX at XXXX XXXX I uploaded the proof of the violation 15 usc 1692c I need them to cease and desist in communicating with me, in all means via, emails, text messages, consumer reporting, calling me, post card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 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 2024-02-13 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I contacted Financial Management Solutions to obtain my credit report. However, the company has conducted three unauthorized inquiries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon raising the matter with the company 's representative, I was informed that an attorney named XXXX XXXX had requested the inquiries. This claim is unfounded, as I possess evidence that FMS conducted said inquiries voluntarily. The conduct above on the part of FMS constitutes a violation of my consumer rights. It is unjust and unethical to conduct inquiries into my credit report without my explicit consent, which has reduced my XXXX score and tarnished my consumer report. I urge FMS to undertake immediate corrective action to rectify this issue and ensure its non-recurrence in the future.

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 2024-02-13 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: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 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: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX. Scammer contacted us and told us we had pre-authorized charges pending on our Wells Fargo Account and to avoid those processing, we had to go to ATM to correct. {$990.00} fraudulent purchase of Bitcoin charged to our debit card. XX/XX/XXXX - We immediately visited WF Branch and they failed to take proper actions to halt charge. 

XX/XX/XXXX. Wells Fargo sent us letter stating the transaction was in their finding authorized. 

XX/XX/XXXX. We called WF claims dept requesting materials they had reviewed. 

XX/XX/XXXX. We received slim packet of information that did not address any of our concerns about WF actions taken or not taken immediately after ATM transaction. 

XX/XX/XXXX Sent formal reconsider request of denied fraud claim ( XXXX to WF along with Sheriffs full report ( XXXX XXXX ), screenshot of claim 's incorrect bank recording at time, and additional details. 

XX/XX/XXXX. Called WF Claims Dept to see about progress on claim. Agent says it must be investigated by investigators. Received no further word to date.

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 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank ( Home Depot ) has done a poor job of investigating this case. I have provided them with my Drivers License number and have had to re-open this case several times. I would like to know if the Fair Credit Billing Act of 1974 can be used to dispute this subpar service from Citi Bank.

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 2024-02-13 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MO

Complaint narrative:
STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AND IS THE BIGGEST LIE THIS FRAUDULENT CROOKED COMPANY TELLS AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 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 a victim of identity theft please remove this fraud inquiry 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 non-monetary relief