vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: MD

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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK
State: IL

Complaint narrative:
This new complaint is related to the previous complaint case XXXX against Commerce Bank for their illegal activities which was filed on XX/XX/2024. 

In this new complaint dated XX/XX/XXXX, XXXX is complaining about a second un-authorized balance transfer made by Commerce Bank. The first one was made on XX/XX/2024 ( Thursday ) and this second one is made on XX/XX/2024 ( Friday ). Both un-authorized balance transfers have added up to a total amount of XXXX dollars. 

On XX/XX/2024, Complainer has made clear to XXXX XXXX ( the chief customer representative of Commerce Bank ) on the telephone that Complainer does not want to continue doing business with them because of their unreliable banking practices and illegal activities. The balance transfer made on XX/XX/2024 should be immediately invalidated because Complainer did not authorize the balance transfer. However, the Commerce Bank has made a second un-authorized balance transfer today, XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY XXXX XXXX XXXX  WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX XXXX WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX XXXX XXXX XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX XXXX  THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX XXXX  : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX XXXX Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX XXXX  Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX XXXX 90 DAYS LATE ON XXXX XXXX 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX i was made aware that i was a victim of identity theft, so i contacted the bureaus and followed their instructions. Most of the fraudulent items came off my credit report, however not all of them did.

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 2024-01-26 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:
In XXXX i was made aware that i was a victim of identity theft, so i contacted the bureaus and followed their instructions. Most of the fraudulent items came off my credit report, however not all of them did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
I am writing to file a formal complaint against ZBS Law, LLP, in connection with their actions related to the foreclosure of my residence in XXXX, California. I believe their actions are in violation of the law and warrant immediate investigation. 

In XXXX, I received a notice from ZBS Law, LLP, stating their intent to foreclose on the aforementioned property, citing a second mortgage allegedly filed in XXXX. It is crucial to note that my late husband and I moved into this residence in XXXX, and the property is solely registered in his name. Unfortunately, my husband passed away in XXXX, leaving me to navigate the complexities of probate and the process of transferring the property into my name. 

To my surprise and distress, ZBS Law, LLP, later claimed to have sold our home and executed the foreclosure in XX/XX/XXXX. I have since learned that this type of foreclosure is referred to as a " zombie mortgage. '' The situation appears to be an attempt to seize my property, and as a hard-working widow, I am deeply concerned about the validity of their claims. 

It is worth noting that I have diligently maintained payments on the first mortgage, and the mortgage holder has not received any communication from ZBS Law, LLP, regarding the alleged second mortgage. This lack of communication further raises doubts about the legitimacy of their claims. 

I respectfully request that your agency thoroughly investigates this matter to ascertain the validity of the foreclosure and determine whether ZBS Law, LLP, has engaged in unlawful practices. I am hopeful that your intervention will help rectify this situation and protect my rights as a homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
i receive a letter saying i own a rental property and i don't owe them i been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I submitted a request for a modification of my loan on XX/XX/XXXX on company website at which point I received an email stating that they will be contacted within 45 days, to date the I have received two letters asking me to call them for a required interview. I called the company both times and each time was told that its an auto generated letter and that I did not have to worry about an interview. I asked the first representative for a status and again got a general reply that my documents were received and will be processed. I asked the agent to check that is was being processed and she found that my file was never processed. She submitted an escalation and on XX/XX/XXXX and was told they had 45 days from XX/XX/XXXX for them to process it. I called again after 45 days and was told the file was still in progress. on XXXX/XXXX/XXXX I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, told me that request was still pending. I called again XX/XX/XXXX spoke with XXXX who was kind enough to look further into why the hold. after a 20 minute hold she came back on the line only to tell me that although my file has been escalated several times it remains untouched. She was going to file yet one more escalation took down my number and promised she will call me back. Today is Friday and still I have not heard from anyone nor have I received any correspondence from my mortgage servicer XXXX with any sort of communication. Not by phone, email or mail on the status of my modification request. 


Please help me with this. I am afraid they are dragging out this process so that they can come back to me with predatory modification options to make me lose my current low interest rates or offer me a much higher XXXX, My income has decreased substantially and I have incurred major expenses of repair on my home and car that have set me back quite a bit. I am am asking for a modification to retain my current rate and either lower my current monthly payment or bring all my current outstanding balance to the back of my loan and keep my interest rate and monthly payments in tact to allow me to make start making payment moving foward from the approval of my modification.

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 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been telling Navient for since XX/XX/2023 that I am unable to make payments and they have not been willing to work with me. They all me every day at least 5 times a day even though I have told them that I will call them when I am in a better financial situation. 

They have now started calling my friends and family. I am not sure how they obtained their contact information, but I have received XXXX phone calls today just from family members along with XXXX missed phone calls to my number from navient. 

This is harassment. They are leaving messages for my family saying that they need to find me or a final decision will be made without talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2024-01-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
An account was opened for CapitalOne on XX/XX/23 using my identity. I only found out about this account until XX/XX/23 once it affected my credit score. I quickly had the account closed and asked CapitalOne to investigate. They concluded the account was not fraud and refused to share how they came to that conclusion. They say that the credit card was sent to my address and that the transactions had somehow " benefited '' me, yet I dont have access to this account. I tried to ask them what email or phone number they had on file and they refused to comply or elaborate more on their investigation. I have called XXXX and they say my dispute is in process but capital one has confirmed the account as not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
On XX/XX/XXXX, I charged my Costco Citi Visa card for {$7500.00} as part of an agreement I had with XXXX  XXXX ( XXXX ) to provide architectural drawings and engineering design for my home remodeling project. XXXX kept the fact from me that it went into bankruptcy before I made the payment. I am not able to recover the fund from DE after making several attempts, despite the fact that XXXX has not fulfilled its obligation per the contract terms. Therefore, I turned to Citi Visa to open the dispute in XX/XX/XXXX. After several months of back and forth responding to document requests, on XX/XX/XXXX, I learned from talking to the Dispute line that the case was denied. I was told that Citi has no way of reopening the case and that XXXX made the decision, not Citi. Clearly, the services were not provided and I was denied a refund/billing adjustment of the full amount. Citi could not provide me with a contact at XXXX in order for me to inquire a specific reason other than not sufficient information to arrive at a favorable decision. I have provided all the documents requested of me with explanations.

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 2024-01-26 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: TX

Complaint narrative:
XXXX XXXX XXXX  Closed XX/XX/2022 Shows up unpaid

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