vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom it may concern, Your agency has concluded the investigation and I am not satisfied with the results. I am still obligated to pay XXXX  insurance 0f approxiamtely $ XXXX despite having XXXX  % equity in my home. 

Fifth Third bank has directed their chosen realtor to value my home. The realtor sent was incompetent at best. Realtor unfamiliar with the unique characteristics of the historic downtown housing market. This resulted in a minimum of $ XXXX not realized as my equity in XXXX XXXX XXXX XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/year> I spoke with the representative on my vehicle loan account to approve {$800.00} to be taken out on XX/XX/year> and then the remaining balance of {$1400.00} to be taken out on my next payday of XX/XX/year>. I stated that I have a pending transaction already initiated on XX/XX/year> to come out of my account and was only allowing the bank to take out the {$800.00} now then rest on next payday. They agreed to the plan. Then when I went to check my account I see that they with held another {$800.00} from my account without my permission or knowledge, which after I told them that no more can be taken out as it would be in the negative. The representative still put a hold on the extra amount without my consent even after I had a payment plan set up with them. So now with that other transaction coming out of my account, my account went into the negative and accrued a overdraft fee. This was all due to them fraudulently with holding extra money out of my account without my knowledge or permission. The bank is Green State Credit Union for my vehicle I have a loan with them. But now I have to wait almost a whole week to contact the bank because they will not be able to speak with me till then. I'm filing a formal complaint on this department as they fraudulently with held extra money from my account without my permission even after the payment plan was set. The representative was rude and I was honest to give all information but he acted like he could care less and even after knowing another transaction was pending as I had receipt of it. I will be seeking legal action against this representative if not resolved and in writing immediately. All calls were on a recorded line as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATED TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank, through attorney XXXX XXXX XXXX, have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. 

Please review these statutes. 

XXXX - False, Deceptive, or Misleading Representations XXXX - Unfair or Unconscionable Means to Collect a Debt XXXX - Harassment or Abuse XXXX - Communication in Connection with Debt Collection This could also constitute an abuse of process, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: KS

Complaint narrative:
I received Frost-Arnett debt XXXX notices ( dated XX/XX/year> and XX/XX/year> ) and responded with a memo ( dated XX/XX/year> ) detailing my reasons for my dispute of the alleged debt. However a subsequent review of my personal records indicated that I did agree to pay {$56.00} to the original creditor/medical facility ( a XX/XX/year>, XXXX a.m. conversation with medical customer service representative identified as " XXXX '' XXXX. I made clear to " XXXX '' that I disputed the remainder of the claimed medical facility debt ( approximately {$300.00} ) and indicated my reasons. 

In short, my complaint against debt collector Frost-Arnett is for misleading/deceptive business practices. The XX/XX/year> statement indicated a balance of {$330.00} was owed. The XXXX, XXXX statement indicated {$56.00} was owed as the notice included statement, " You paid or were credited this amount toward the debt : {$340.00} '' and the " Total amount of the debt now : {$56.00}. '' I forwarded a {$57.00} money order to Frost-Arnett on or about XX/XX/year>. However a XX/XX/year> Frost-Arnett statement indicated that while the {$57.00} money order was processed, the balance due on the account is {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AR

Complaint narrative:
Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}

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 2024-10-12 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: AR

Complaint narrative:
Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX  XXXX CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent.

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX  XXXX CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}

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 2024-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXX XXXX, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) XXXX the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( XXXX ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXX XXXX, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have been receiving multiple calls a day from the loan servicer, I was put in contact with a male whom supposedly consolidated my loans and brought everything current and have a new payment date for XX/XX/year> but they have kept the past due delinquent and has seriously affected my credit score. I was told once I consolidated all the past due would become current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Company sold car for full price and company didnt release amount over for car that was owed to me, which company is trying to charge me for a car that has been sold in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
Dear Equifax, I am writing to formally dispute the following accounts on my credit report, which I believe contain inaccurate information : XXXX Bank Account XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Upon reviewing my credit report, I have identified discrepancies in these accounts that are not accurate or complete.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ), I am demanding a procedural investigation into the accuracy of these accounts.

I request that you promptly investigate the disputed information and remove any inaccurate accounts from my credit report without any further delay. 
Please provide me with a written confirmation of your receipt of this dispute and an update on the status of the investigation within 30 days. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation