vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I retired in XX/XX/XXXX. 
I paid off this credit card company from the proceeds of my house sale. 
During the move ( XXXX ) to florida, I notice strange charges against my Barclays Bank account ending in XXXX. 
I in formerd them of possible fraud. 
They DID send me a letter agreeing it was fraud and reversed the charges. ( I still have it! ) And another a month later saying they changed their mind ( so they say, never recieved it! ) I thought I was okie dokie. 
I should have demanded to close the account right there and then. 
I started receiving bills from them that my account had Ballooned to over {$11000.00} in debt and behind in payments. 
I called, and verbally got a payment plan and asked them to look into even more fraud. 
Nothing. 
BCalled again and again verbally they agreed to a {$220.00}. A month plan for 60months and dropping late / finance charges. 
Never in writing mind you. 
Last month they charged my checking over {$900.00} AFTER I paid the agreed amount. 
I have all of the statements, letters I did recieve. 
It is my understanding that the fair credit act requires them to monitor for 7 years after first report for further fraud. 
Obviously they did not. What can I do? 
I am retired and living on a fixed income and my Checking account is almost gone. 
Please help. My credit score is junk., So I cant even get a consolidation loan. 
I own my house outright ( no mortgage. ), but I am constantly worried how to pay taxes and real estate taxes. I considered a reverse mortgage, But my COA community is not qualified for a FHA Back financial product such as that. 
Please help. 
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 explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I have XXXX XXXX XXXX, Ive paid my portion off. They said that the XXXX XXXX XXXX XXXX has owed them around XXXX XXXX They also kept my entire deposit of around XXXX XXXX Never stating reasons on why. I thought maybe they kept it until XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid them off but I see now thats not the case not only is the amount theyre asking for is wrong. Its also not my debt to pay.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I want to dispute an account on my Innovis Credit report called The XXXX XXXX XXXX : Individual School Loan Account # XXXX. Account status is charge off date opened XX/XX/XXXX and date closed XX/XX/XXXX with an original balance of {$9900.00}. On my Innovis credit report, it says that this account is scheduled to be removed in XX/XX/XXXX. This account should not be on my credit report because I had the Presidential Scholarship and the XXXX XXXX XXXX when I went to the XXXX XXXX XXXX. I did not take out a personal loan or a parent plus loan. Ive actually already consolidated my loans with XXXX and the U.S. Department of Education as it reflects on my FAFSA at student federalsudentAid.gov. I will include a copy of my U.S. Passport, Massachusetts ID card, Social Security Card. Lastly, I will also include a page from my Innovis credit report where it says that this account will be deleted XX/XX/XXXX to help prove that this account is actually in fact on my Innovis credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
im requesting an investigation into my case as this is a serious matter, im a victim of identity theft and credit was obtained without my authorization. this amount in the amount of XXXX from XXXX XXXX XXXX  WAS NOT ISSUED BY ME. 15 USC 1681c deals with the types of information that can be included in a credit report and It also specifies that outdated or incorrect information should be removed. i have contacted these companies and gotten no resolution.

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 2024-09-17 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: FL

Complaint narrative:
im requesting an investigation into my case as this is a serious matter, im a victim of identity theft and credit was obtained without my authorization. this amount in the amount of XXXX from XXXX XXXX XXXX  WAS NOT ISSUED BY ME. 15 USC 1681c deals with the types of information that can be included in a credit report and It also specifies that outdated or incorrect information should be removed. i have contacted these companies and gotten no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-17 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I put in a grocery order with XXXX for the amount of {$420.00}. The order did not get delivered to my house on the XXXX and was instead changed by someone else to a pick-up order the next day ( XX/XX/XXXX ) between XXXX. On XX/XX/XXXX I received a text notification stating that my order was picked up at XXXX by someone else despite not authorizing anyone else to pick up my order, as well as it being picked up an hour before it was scheduled to be picked up. After contacting XXXX customer service , they refused to issue me a refund. Instead, they said to open up a dispute with my bank. I opened up a dispute with PNC Bank regarding the charges, and on XX/XX/XXXX they sent me a letter stating that they saw no error in the transaction and therefore would not be reimbursing my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington Credit, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XXXX of XXXX, and XXXX is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In XXXX of 2024 I received numerous collection calls and notices regarding the loan. The notice stated if there was no payment made before XX/XX/XXXX, the loan would be determined 60 days late. ( Please see attached printed email with XXXX date and the amount listed of {$910.00} ). 

There were payments after the date on the email. 

Regardless of payments made, I am still receiving notices for additional collection and 90 day activity on the account. 

The additional payments were not rejected and have been deducted from my bank. 

Bridgecrest has not applied the payments to my account, and the aging report for my ledger is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have received a copy of my consumer disclosure report and consumer score report from Chex systems. Which do not match what they are reporting to lenders who request to see my report. My consumer disclosure report states ( XXXX. XXXX Recent unique XXXX XXXXXXXX inquiry history ) ( XXXX. XXXX XXXX since XXXX inquiry activity ) ( XXXX Insufficient XXXX  Inquiry activity Same XXXX  ) These false negative factors are damaging to me. Chex System recently updated and removed Fraudulent inquiries from my report due to identity theft. But include these factors as if those fraudulent inquiries/information was still present or they weren't aware of the the fraud.

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 2024-09-17 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-09-17 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: TX

Complaint narrative:
I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action.

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority.

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support.

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.

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 2024-09-17 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:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Financial Resources, Inc.
State: SC

Complaint narrative:
FFR, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law.

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice.

Sincerely, Chinda Thongvilay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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