vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
I want to XXXX  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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX 2022

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX complaints about that XXXX  CITI company. 
XXXX I received an email and was expecting to receive a reference letter. I called and asked the agent if I could update my home address because I just moved about a month ago. She suggested to me to go to the post office, but I can not tell which one of them because there are two offices near my previous address. She still forced me to do it. So I XXXX XXXX XXXX and called her an XXXX. 
XXXX They left me no choice, but to close my account. I went to the branch and see if they could do something for me, but the banker wanted me to call. So we called together and tried to close my account, but the other agent is being a jerk also. She recommended me to receive a reference letter before closing an account. That doesnt make any sense. There should be a way to close my account. I told her that it was all on her and her coworkers for ruining my life and my vacation plan. I wanted her to say that it was her fault, but she said no. She wants to deny the truth. It IS their fault for letting me down. 

I blame the CEO for this too. He or she should never recommend anyone to receive the reference letter for verification

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX 2024. I have deposited money thru the Bank of America ATM Machine. XXXX  XXXX is {$190.00} and the other one is {$840.00}. That money is supposed to be is for my rent that is due on the XXXX. Then when the XXXX of XXXX came, I have used my debit card to pay for my rent and it didnt pushed thru because it says I dont have enough funds on the account. I immediately checked my app and noticed there is a withdrawal of {$800.00} same day of the XXXX. I called BofA about it and filed a claim. The agent that Ive filed the claim to said that I will be given a provisional credit XXXX hours, so that will be Monday. Came Monday, I havent received my money back. I have already talked to BofA about this and begged, cried in every conversations I have with the agents but they didnt even issued me a temporary credit even if Ive explained that it is for my dues. They keep on saying that it will be escalated and that I will receive it and up until now, the XXXX, theres nothing happened.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX XXXXXXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and XXXX days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX XXXXXXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The beginning balance of XXXX statement ( period XX/XX/204 - XX/XX/2024 ) indicates {$260.00} and I paid {$440.00} So There are no balance subjects to Interest rate but In XXXX statement stated that it is {$2000.00} and interest charge is {$51.00}. 
Therefore, I asked to waive the interest charge. I called over 5 times. and all agents who connected with me denied removing interest charge. And they push me to trust their system without thinking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have a $ XXXX digital AMEX gift card that I received through a work competition. I have tried to use this online a variety of major retailers ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), and no one will accept it as a form of payment. In searching online, seems to be a very common issue. How am I supposed to use this card if no one accepts it? I called AMEX a few times, speaking to different people, and their only suggestion was to go in person to a store to use it. When I call up my local XXXX XXXX XXXX, they say they only accept physical gift cards and won't be able to process it by just me giving them the numbers. All my transactions were done today XX/XX/year>. Can you please help? 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to express my serious concerns and formally complain about Rushmore Loan Management Services, also known as Mr. Cooper, regarding the handling of my mortgage account and the impending auction sale of my home. 

For the past XXXX months, I have been making regular monthly payments, nearly {$2900.00} each, as part of my XXXX XXXX XXXX repayment plan. I have confirmation that these payments have been accepted by your company. Despite this adherence to my payment plan, I was recently informed that a sale date for my home has been scheduled for XX/XX/year>. This decision directly contradicts the verbal assurance given to me and my friend, XXXX XXXX, which stated that I would be allowed to continue on my repayment plan without the threat of foreclosure. 

Over the past XXXX years, my experiences with Rushmore have caused me severe emotional distress, particularly following the loss of my XXXX due to XXXX. The stress associated with the threat of losing my home has been compounded by the ongoing challenges I face as a XXXX XXXX with medical issues. I believe that your company has discriminated against me based on my age, denying me assistance to modify my loan on multiple occasions, which ultimately forced me to file for XXXX XXXX XXXX in an attempt to stop foreclosure. 

Moreover, I have experienced harassment from your representatives, including visits from XXXX real estate brokers who attempted to convince me to sell my home for a mere {$5000.00}. I firmly believe that falsified appraisal reports have been used to justify the sale of my home at a price well below its market value. 

Given these circumstances, I demand that Rushmore immediately cease all foreclosure actions against my home and halt the scheduled auction sale. I insist on being provided with a loan modification plan that accurately reflects my financial capabilities, as I have requested numerous times in the past. 

I implore you to investigate these predatory practices that affect homeowners, particularly vulnerable individuals like myself, here in XXXX. I expect a prompt and reasonable resolution to my complaint, including the immediate cessation of all foreclosure proceedings against my property. 

Thank you for your attention to this urgent matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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