vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: MoneyLion Inc.
State: GA

Complaint narrative:
I was a victim of identity thefts my information was compromised from sprint and sold through the XXXX market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2024 I locked in the lowest rate available to refinance current mortgage with XXXX XXXX ( XXXX # XXXX XXXX XXXX # XXXX ). I have an email stating this lock in. The new rate was 5.25 % with an APR of XXXX, origination fee $ XXXX no other costs. New payment would be {$3800.00} for 181 months. XXXX weeks to close. I agreed to proceed under these terms. I have reached out to XXXX XXXX and Freedom Mortgage numerous times to find out the status of my loan. I have been given the run around and no returned phone calls from XXXX XXXX. I recieved a letter stating Freedom Mortgage recieved my request to withdraw my loan application which is absurd because I never requested such a thing. On the contrary, I have called them multiple times to inquire we we are in the process. They can not tell me a reason for my application withdrawal and I have yet to hear from XXXX XXXX about where we are in the refinancing process. 
I need answers.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-31 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-31 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} There were unauthorized charged to My ATM Card by a company called XXXX XXXX XXXX XXXX XXXX XXXX. I didn't realize it until the XXXX of XXXX when I login to my account and saw my bank got wiped out. I called TD Bank to report the fraud and to stopped the card. They said that they will investigate and let me know what was going on. It has been XXXX days and TD Bank haven't respond. I called TD Bank several times and they just simply told me that they don't have an update for me. This is the first time something like this ever happens to me so I don't know what to do and TD Bank have been ignoring my situation I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-10-31 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: FL

Complaint narrative:
There is a credit card with a balance of {$580.00} as of XX/XX/year> with XXXX XXXX that does not belong to me. Ive contacted XXXX and XXXX directly and neither one could locate a credit card in my Social Security number.. this is not my credit card. The address affiliated with this credit card does not even belong to me. The address of whoever has his card lives in XXXX, Colorado. I live in 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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Update the number ( XXXX ) is for XXXX XXXX of the mediations department. 

On XXXX  XX/XX/year> at XXXX XXXX, a debt collector attempted to reach me by phone, and without properly verifying my identity or who he was speeakkng with, disclosed my sensitive personal information, including my Social Security number, to an unauthorized third party. The debt collector stated he was calling about a complaint with a client and that a debt was owed. The caller assumed he was speaking with me and stated I know this is ( my name ) social security number XXXX. Once the caller realized he was not talking to the right person he began to ask who he was talking to. He asked was he speaking to my father or someone else. The caller then attempted to confirm again after realizing he did not verify or confirm who he spoke with. The careless and wreckless behavior on the debt collectors part is a clear violation of 15 U.S.C. 1692c ( b ) of the FDCPA, which prohibits debt collectors from communicating a consumer 's personal information to any third party other than the consumer, their attorney, a credit reporting agency, the original creditor, or the debt collector 's attorney. After attempting verify who was on the phone after the fact, the debt collector became frustrated and threatened to contact my family, friends, and neighbors to inform them about the debt I allegedly owe the company. The caller named several people he said he would call and " see what they have to say about the debt. " This tactic is a blatant violation of 15 U.S.C. 1692d ( 3 ) of the FDCPA, which prohibits debt collectors from publishing a consumer 's name or address in connection with the collection of a debt. The caller was asked are the calls recorded and he acknowledged but also stated the recording would not be released because it is the property of the company. This is a violation of Section 809 of the FDCPA states that a debt collector must provide the consumer, upon request, with verification of the debt, including " a copy of any judgment '' or " a copy of any document in the consumer 's possession ''. A recorded call would constitute a document in the consumer 's possession, and the debt collector 's refusal to provide it is a violation of this section.

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 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
These people are calling me up to XXXX XXXX XXXX XXXX, leaving vailed threats about taking me to court and they can do that and that's their right, but they are calling me up too much, up to XXXXXXXX XXXX XXXX XXXX every day. 

Conmenity bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: MI

Complaint narrative:
After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified 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 explanation
Consumer complaint received 2024-10-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was a victim of identity theft! My information was sold to the black market from a compromised data leak from sprint.

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 2024-10-31 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I was a victim of identity theft! My information was sold to the black market from a compromised data leak from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I ordered XXXX XXXXPhones from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XXXX XXXX, XXXX, I received a better offer from XXXX. I switched to XXXX on this date and tried to cancel the order from XXXX. XXXX said the order could not be cancelled since it was being processed. I tried to cancel the order from XXXX again on the XXXX with the same results. On XXXX XXXX, I received the XXXX XXXXPhones mentioned from XXXX. I did not open the package and requested return information from XXXX. I received this information and sent the phones to XXXX. On XXXX XXXX, XXXX, I received confirmation receipt from XXXX they received the phones. On XXXX XXXX, XXXX, I paid ( auto pay/ bank draft ) my final wireless bill for {$160.00}. On XXXX XXXX, XXXX, XXXX did a bank draft on my account for {$1800.00}. Why they did this I do not know or have I been told. My guess is for the XXXX XXXXPhones I returned and XXXX indicated they received on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I contacted my bank and stopped payment. I have tried numerous times to correct this issue with XXXX. On XX/XX/XXXX, I received a final notice from XXXX XXXX XXXX that I owed them {$1900.00}. On XXXX XXXX, XXXX, I contacted XXXX. I spoke with ( XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, at XXXX pm who stated " 100 % you don't owe anything. '' Next thing I find a debt collection on my credit report from the XXXX reporting agencies. I have disputed collection to all XXXX agencies.XXXX XXXXOnly XXXX XXXX the collection from my credit report. The collection is still on XXXX and XXXX. I have contacted Sunrise Collections to no avail. They said they wanted a settlement... for what. I appreciate your assistance in 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 2024-10-31 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Earlier this year I filed a cfpb complaint against LVNV regarding a creditone account I previously had. I am writing to formally address a significant violation of the terms of the contractual agreement that was in place for the account I initially opened with XXXX XXXX XXXX XXXX. As per the agreements terms, all disputes concerning this account are to be resolved through arbitration rather than through court proceedings. This arbitration clause is clearly stated in the documentation LVNV sent me, which includes the original agreement with XXXX XXXX. 

When LVNV Funding LLC acquired this account from XXXX XXXX, you also inherited the arbitration agreement as stipulated within that contract. Recently LVNV and its representation filed a complaint and obtained a judgement unlawfully. 

In response, please be advised that I am currently preparing a Motion to Dismiss your judgment based on your non-compliance with the contractual obligation to pursue arbitration instead of litigation. Additionally, I have initiated an arbitration case with the XXXX XXXX XXXX ( XXXX ), which includes XXXX XXXXXXXX as a co-respondent in this matter. I also was NOT served properly! I am tired of this company thinkning they can do whatever they want to do. 

I expect LVNV Funding LLC and its representatives to comply with the original terms of the agreement and proceed with this dispute solely through arbitration. Further legal action to enforce these terms will be taken if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: CBC Companies, Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Your unauthorized derogatory rating has directly caused loan denials and increased interest rates across my credit accounts. This constitutes actual damages under federal law. You must immediately delete and block these negative marks from all three consumer reporting agencies.

Company response to consumer: Closed with explanation