vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: GA

Complaint narrative:
According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: MI

Complaint narrative:
Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Lakeview LoanCare servicing had a system outage for over a week. Called XX/XX/XXXX to change date of loan payment, customer service line down as well as online system. Daily calls and attempts to login online were made for 10 days. Systems continued to be down with no formal letter or email regarding the outage to all loan holders. Now that the system is up I am still having complications logging into my account, have called Custer service today XX/XX/XXXX during business hours twice and have gotten nothing. Message states if you have called during normal business hours we apologize for the inconvenience. This is unprofessional and unacceptable given the nature of paying your mortgage or needing to address technical issues with their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I recently opened an account with US Bank. My business name is XXXX XXXX XXXXXXXX XXXX  and I do business as XXXX XXXX and XXXX. Both offer the same services but one is for commercial clients and the other is residential clients. When I opened the account I supplied US bank with all of this information including the businesses articles of incorporations. After 3 months of depositing checks, US bank decided to freeze my account for supposed fraud. US bank refuses to tell me what kind of fraud was committed or release my funds. US bank has rejected incoming transactions but they took incoming deposits that were meant to cover the incoming transactions. Now US Bank has fraudulently taken my deposits and still has yet to contact me about the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. Equifax : XX/XX/2023, XXXX XXXX  Fraudulent account due to identity theft : XXXX XXXX XXXX # XXXX XXXX Amount : {$920.00}. I filed multiple disputes for this account. Equifax has failed to remove this account. I filed three online, on 3 separate disputes Equifax said it was verified. Im sure I filed a dispute more than 5 times for this account. How can an account associated with identity theft be verified. Equifax failed to show verification proof. Equifax and XXXX XXXX are illegally reporting to my consumer report. This is decimation and defamation of character. If this account isnt removed I will be filing a federal lawsuit. I will be seeking monetary relief. Ive provided Equifax in accordance to 15USC 1681c-2. Why is Equifax committing fraud? I sent more than enough. Equifax is continuously committing fraud and not being held accountable. I demand this account me removed ASAP!!! CFPB Im aware that youll have been receiving a surplus of complaints and Equifax is capitalizing from this. Please hold them accountable. XXXX and XXXX have deleted the account. Only Equifax is still illegally reporting this fraudulent account. Equifax is reporting multiply address on my report. There should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX should be deleted. The identity theft has been using those addresses. The only address on my file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax disputes : Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # XXXX Submitted : XX/XX/2023 Completed : Pending ( hopefully Equifax stops breaking the law and remove this fraudulent account. 

Congress put these laws in place to be enforced. No person or company is above the law. Equifax isnt abiding by these laws. They must be held accountable. If not must be prosecuted to the full extent. Im a victim of their data breach and I have yet to receive my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern : I submitted the evidence of homeowner insurance after I received the first notice for insurance information. However, I received the Second and final notice Please provide insurance information on XX/XX/XXXX ( Exhibit A ). 
In the letter, TD Bank states that the insurance information I provided was received but unable to verify the coverage from XXXX. I went to the TD branch at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and was told by manager XXXX to email and mail the proof to them. I mailed a copy to TD Bank Loan Operations XXXX XXXX XXXX XXXX Department TD Bank N.A. ( Exhibit B ). I called TD Bank at XXXX XXXX XXXX XXXX and was told to email the proof of insurance again which I did on XX/XX/XXXX ( Exhibit C ). 
The documents I sent again contain the following items. I purchased the house on XX/XX/XXXX and purchased one year of homeowner insurance. I provided TD Bank with the Policy document along with company information. They can verify with the insurance provider. The document is sufficient to prove that I have insurance coverage for the period XXXX which is provided and confirmed by the insurance company. ( Exhibit D, E, F ) However, I received a letter stating I need to pay for the insurance period XXXX and the total amount will be divided and added to the monthly bill in one year which is XXXX {$130.00} ( I did not have any escrow account with TD and I only pay for the interest and principle ). ( Exhibit G ) I do have insurance coverage from XXXX and they still charge me {$130.00} for that period. Please refund the money and cancel the rest payment for insurance coverage from XXXX. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They have never contacted me, in violation of the fcra and fdcpa. I disputed via the credit bureaus and ask for validation in writing pursuant to us code subsection XXXX et seq. They did not respond, in additional violations of the fcra and fdcpa. 
They continue to harm my credit whilst ignoring all relevant federal laws. They pretend to operate with impunity. I know they have my address as they bought it from XXXX long ago. Yet I still never received anything from them whatsoever. not verbally nor in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CBC Companies, Inc.
State: NC

Complaint narrative:
per credit report on XX/XX/2022 and XX/XX/2022 a inquiry was established from factual data. I have no awareness of this company nor have or have had any credit accounts. Also on XX/XX/2022 there is an inquiry from a company named XXXX in which I also did not authorize nor have or had any credit revolving/non-revolving accounts with this company. Please review and have these 3 inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CFAM Financial Services, LLC
State: OH

Complaint narrative:
I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to XXXX and the XXXX scoring system. Even though XXXX XXXX sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on XXXX XXXX side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the FCRA, it is XXXX job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with XXXX is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked XXXX XXXX months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation XXXX could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: 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
Consumer complaint received 2023-11-30 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: PA

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 U.S.C 1681 l XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: PA

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 U.S.C 1681 l XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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