vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I reached an agreement with Barclays Bank to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with XXXX and Barclays fraudulently claimed that the account was still delinquent and I owed them additional money

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
So Experian continues to violate all FCRA rules, they want to make there own rules when it come to my rights, I have a bankruptcy on my Experian report that is % XXXX incorrect but they still choose to report it as so. XXXX and XXXX have reviewed my request and have removed and updated my report with no problem, But Experian wants to make its on rules and keep Violating my consumer rights, well this needs to stop and get resolved ASAP.

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 2023-12-05 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: IL

Complaint narrative:
THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/23, my joint account with my son had our debit card compromised/hacked. This was reported promptly by phone on XX/XX/23. The unauthorized XXXX charge of {$200.00} on XX/XX/23 had already processed. However, the XXXX XXXX XXXX fraud transactions of {$100.00} and {$200.00} on XX/XX/23 were still pending. On the phone, the Truist CSR stated that he would block the pending transactions. If they did not block them, we should give them a call later. This is obviously unacceptable, but we called again later when Truist failed to block the pending unauthorized transactions, and we subsequently signed affidavits on all of the fraud transactions. This process was cumbersome and Truist delayed at every point of the process and would never communicate. Several calls and e-mails went unreturned. The fraudulent XXXX charge was recovered. But the XXXX XXXX XXXX charges were ruled authorized by Truist. When I reviewed the dispute documentation, I noticed that Truist only investigated the {$200.00} and not the additional {$100.00}. I also noticed that the XXXX XXXX logs showed XXXX fraud/unauthorized transactions for a total of {$600.00}. Thus, our call or my son deactivating XXXX XXXX shut down the cyber-attack and limited our loss to {$300.00}. These transactions are so obviously fraud that anyone could recognize it by the activity. We do not know XXXX XXXX ( generic name ). My son has limited access to his phone at XXXX. " Regulation E Comment for 1005.2 defines 2 ( m ) Unauthorized Electronic Fund Transfer as ( 3 ) Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' This is clear non-compliance of Reg E by Truist. We were clear in our report that the charges while pending were not authorized. We were clear that the debit card had been hacked. Truist has call logs and recordings to prove that we reported the fraud while the transactions were pending and that Truist did not stop the pending unauthorized transactions. Further, Truist should have internal fraud activity logs that detect suspicious activity. The XXXX XXXX logs that Truist provided are infuriating as it shows that Truist only investigated the {$200.00} disputed transaction, not the additional {$100.00} disputed. It also shows XXXX other unsuccessful fraud attempts totaling {$300.00} that never hit our account because we caught the initial {$300.00} so quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: MA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-12-05 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: MA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00}

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A.
State: DE

Complaint narrative:
In XX/XX/2023 I received a XXXX solicitation from PNC Bank about their Choice Home Equity Line of Credit product. This mailer did not specify debt to income or XXXX limits but encouraged one to " call, apply online, or visit a branch ''. On XX/XX/XXXX I visited the PNC branch in downtown XXXX on the corner of XXXX XXXX XXXX XXXX XXXX and after handling my business with the teller inquired a XXXX licensed individual ( # XXXX ) specifically about the XXXX limitations of the offer. I was told that PNC would do " 80 % of your equity '' implying a 96 % XXXX and the individual pulled up my home on zillow to provide more detail to the calculation. Based on this conversation I applied online on XX/XX/XXXX and received preliminary approval for the requested amount ( {$100000.00} ). However, no where on the application, the approval, or any other of the documents provided by PNC did they specify an XXXX limit, merely referencing " acceptable valuation ''. After receipt of the property appraisal I received a counter offer for 61 % of requested amount and XXXX the previously communicated interest rate spread over prime ( Prime + 0.16 % to XXXX + 2.77 % ). If PNC had been honest and forthright about the XXXX limitations on the product when I initially inquired I would not have gone through the time and expense of applying as an 85 % XXXX was unlikely to meet my needs. PNC induced me to apply under false & misleading pretenses ( higher XXXX than actual offeres ), concealed this fact at every stage of the approval process, and only revealed thier true intent after all documents were submitted, my credit had been pulled, the appraisal had been completed, and PNC had already added themselves to my homeowners insurance as a second XXXX holder ( despite no such relationship existing ) in anticipation of this abusive process succeeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper - XXXX mortgage servicer - They got hacked, and no one could make any payments for over 20 days. They have added late fees and collected them. In addition, they did not pay escrows and are now sending letters saying it is my fault. They want to charge me money for lapse insurance on my home when it was their fault for not paying it nor making the adequate changes they needed to make since they have been holding the escrow account and are servicing it. 

I contacted them, and they sent the payment the same day ; however, this payment was late, and it was all their fault, not mine, as this is an escrowed insurance that should have been sent in early XXXX to prevent any lapse. They sent me a letter saying this was my fault and that i need to pay them over {$500.00} i am already struggling to make the mortgage payment as it is due to an accident which has left me handicap. 

I need this to be addressed. This company got hacked and did not do its job, and now they are coming after the consumer for their mistake.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have an AAA credit card that was transferred from XXXX XXXX XXXXXXXX to Comenity Bank a year or so ago. I have the card for a long time and Comenity just closed my account quite arbitrarily without even providing a clear reason. My credit score has been above 800 and I have been using and paying off the card regularly. 

More details : It started when I tried to add my AAA card to XXXX XXXX on XX/XX/2023, but wasn't able to receive the verification code. Following the app instructions, I called and was able to receive the code the phone rep sent. However, they then told me my phone turned out to be ineligible for identity verification and as a result, my account was suspended automatically by their system. ( I'm on a data-only plan and use XXXX XXXX as my main number. ) They asked me to email photocopies of my driver 's license, social security card, and a utility bill to prove my address. A few days after I emailed, they permanently closed my account because " there continued to be security concerns with my account ''. I called them again and they couldn't even tell me what the problem was as they claimed that they had deleted the email for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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