vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have late payments that they will not remove and according to 15 Usc 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' ( b ) it is a billing error, i did not receive a statement 21 days before the late payment. 
this is unlawful and shouldnt be reporting at any time! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX made an unauthorized error including inquiry 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 explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: GA

Complaint narrative:
I have a late payment on my report from XXXX of XXXX. In XXXX of XXXX  I was forced to move out of my apartment because my neighbors unit caught on fire. I moved and set up a forwarding address but mail didnt start to arrive at the new address until late XXXX and by the time I received my statement it had already been over 30 days late. I demand late payment removed/updated. 15 U.S Code 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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 use 1681. 

XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX MISSOURI, # XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost 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 2024-07-15 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Upon reviewing my XXXX credit card statements in late XXXX, I noticed 10 transactions all between XX/XX/XXXX and XXXX, XXXX, some just a few dollars and one was over {$1200.00}. They all said MERCHANT SALE/PURCHASE with no additional information. I submitted a fraud claim in XX/XX/XXXX. I received a letter from Barclay 's that the denied the claim. When I called the Fraud Dept today ( XX/XX/XXXX ) to ask why it was denied, the person I spoke to said it was because the charges occurred before the accounts were bought from XXXX XXXX  by Barclay 's so they didn't have any information. I find it hard to believe there is no way for them to get information from XXXX to investigate fraud claims but it seems they made no effort to do so. I would like a true fraud investigation as I don't believe I made those purchases.

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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I PULLED MY CREDIT REPORT FROM ALL THREE CREDIT AGENICES BECAUSE IM A VICTIM OF IDENTITY THEFT AND NOTICED PORTFOLIO RECOVERY ASSOCIATES, I HAVE NO KNOWLEDGE OF THEM,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Personal Information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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. 


US DEPT ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Complaint and dispute against EQUIFAX for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681a is not to be permitted without the consumers consent or knowledge. Such is a line item listed as PORTFOLIO RECOVERY ASSOCIATES is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EQUIFAX has stated previously in a response to my complaint in the CFPB portal that a reinvestigation was completed. However, EQUIFAX has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding Portfolio Recovery Associates. This is one of my several demands and attempts to EQUIFAX to provide the CERTIFIED VERIFICATION of the investigation regarding Portfolio Recovery Associates in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/2023, I called Citizens stating I will be late for XXXX payment. The representative offered me a forbearance plan, that it can be reviewed for XXXX, XXXX plus XXXX to XXXX. I said sure, why not. I was going through a hardship. I submitted the application, followed up on my end after XXXX to continue payments, but what told they are still reviewing my application, they told me I need to call in XXXX. XXXX week of XXXX they told me that my application is still being reviewed, to call In XXXX. When I called on XX/XX/XXXX, they told me there is a lien on my title and they closed my application. They closed my application since XXXX and nobody has contacted me. However, XX/XX/XXXX, the same day, I satisfied the lien as soon as I found this information out and submitted a new application. They reassured me they will be contacting me, I call every week for an update. I have callled numerous times to speak with a supervisor and nobody is ever available. Again in XXXX, my application has been closed due to liens on title and nobody has contacted me again!!! They told me they received my satisfaction of lien mid XXXX when I called. NOW THEY ARE TELLING ME TO SEND IT AGAIN AFTER CLOSING MY APPLICATION XX/XX/XXXX!! I have never received XXXX phone call from citizens. I have a print out of my telephone record, from my phone company itself to show no incoming calls have ever came from citizens. I am now about XXXX payments passed due, with no help from their team, and all I keep getting information from is people that are not even in the US. I need help with this! I need to be heard! 
THERE IS NO LIEN ON MY TITLE ANYMORE. THEY HIRE PEOPLE FROM OUTSIDE OF THE US TO HANDLE FORBEARANCE AND FORECLOSURES WITHOUT THEM SPEAKING PROPER ENGLISH TO BE ABLE TO PROPERLY ASSIST YOU. THEY DONT WANT YOU TO SAVE YOUR HOUSE. THEY ARE VERY UNETHICAL, FRAUDULENT AND THEIR CUSTOMER SERVICE IS HORRIBLE FOR A COMPANY LIKE THIS. THEY LIE AND LIE AND LIE. I NEED SOMEBODY TO HELP ME, NOT ASKING FOR A FAVOR! This is really life or death here. The agents really stay on the phone for 39 mins arguing with you about nobody being available to further assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/year> I complete application and computer submits account name incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unfamiliar accounts that have appeared 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention a series of significant errors, discrepancies, and unauthorized accounts that have surfaced on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention a series of significant errors, discrepancies, and unauthorized accounts that have surfaced 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my sworn personal statement that I pulled my consumer report and found a fraudulent account attached to my name that I never originated and have no idea where this account came from. Pursuant to 15 USC 1681c-2 this fraudulent account needs to be deleted immediately on clear grounds of ident theft. 
XXXX XXXXXXXX XXXX XXXX I have already tried to fix this situation but am getting back verified by your agency. If a true re-investigation is not immediately preformed on this account and in turn deleted from my report, I will may very well be seeking damages pursuant to 15 USC 1681n and 15 USC 16891o as this is well within the range of negligible non-compliance.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo removed three deposits from my account on XX/XX/XXXX. 

Wells Fargo first claimed that THEY returned the money to XXXX XXXX. 
That never happened. 
Then Wells Fargo said they dont know what happened to the money. 
They claim that they can not trace the money. 
Now they say they have no idea who moved the money or what happened to it. 
This has gone on for over a month. I have put in several claims only to be rejected each time. 

Copy of my Wells Fargo account XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$490.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00}

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 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I was told my loans were going info forbearance for the month of XXXX due to changes to the XXXX plan by the Department of Education. 

The document I received stated, among other things, that the interest rate would be set at XXXX  % for the duration of the forbearance and that no payment was required. 

I went to check my loan status and noticed the interest rate was still set at XXXX % and that the loan had been accruing interest since it was placed into forbearance. 

I called MOHELA on Friday XX/XX/year> to resolve the issue. The representative said they could not change it to XXXX  % " at this time ''. They also said that at the end of the month when the loan leaves forbearance, the necessary changes would be made. 

During the forbearance due to COVID, it was clearly stated that the loans were set to 0 % and I could not get a clear answer as to why they could not change it now. I was also told by the rep to check and make sure the interest was taken care of at the end of forbearance " just to be sure ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XX/XX/year> - {$1200.00} - I contacted debt collector to provide me with a copy of any signed contract by me and they didn't send it. 

XX/XX/year> - {$130.00} - I contacted debt collector to provide me with a copy of any signed contract by me and they didn't send it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: VA

Complaint narrative:
Meet all requirements but was still denied with a generic reason

Company response to consumer: Closed with explanation