vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I received a notification from XXXX on XX/XX/XXXX that a payment was more than 30 days late on my card. I immediately checked my emails and found that I never received my e-statement either. A late payment charge of {$41.00} was charged to my Target RedCard Mastercard account on XX/XX/year>. 
The late payment that was reported to the XXXX XXXX XXXX XXXX so I contacted them via phone where a message played stating they were having technical issues with their payment system. Once I spoke with someone they refused to do anything even though I also immediately paid the balance in full. 
I also requested my original credit limit of {$6000.00} be reestablish because they also reduced it to {$500.00} but that was not done either. 

These actions were all taken in XX/XX/year> because I have e-billing statements and did not receive a bill via email for the month of XX/XX/year> and as a result the payment was not made until XX/XX/year> when I was notified by XXXX of a payment that was XXXX days late. 

I contacted Target RedCard customer service and I was informed that while there had been technical issues at the time with the website and payment system there was nothing they could do to correct the payment history, credit reporting, or my credit limit. 

I then sent a dispute letter and nothing was done to correct their error which resulted in false information continued to be reported to the credit bureaus which has ruined my credit score and ability to obtain credit from other companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I purchased a brand XXXX XXXX XXXX house in XXXX following the most incompetent, unorganized, unethical, non compliant loan process. Originally my XXXX loan was funded by XXXX XXXX XXXX XXXX ), but it was quickly sold to Freedom Mortgage. This was my third purchase of a house and unequivocally the worst experience yet. 

Unfortunately, XXXX was the beginning of a cascade of traumatic and financial experiences. It started with a XXXX XXXX followed by illnesses acquired from XXXX XXXX in construction and workmanship, then being XXXX harassed by XXXX XXXX XXXX XXXX, {$4000.00} of repairs to my XXXX ( clearing my savings account ), and then I was hit so XXXX XXXX in my car that it was a total loss. Following the wreck in mid XXXX, I knew i wasnt going to have the money for XXXX mortgage. I called Freedom Mortgage and advised them I was experiencing a financial hardship as a result of these compounding circumstances. 

I requested a forbearance and was denied any assistance because I was current on payments. I was told I had to wait XXXX days to become delinquent before underwriting/loss mitigation would help. I was also told I couldnt get a forbearance, to complete a litany of paperwork and wait XXXX days for a repayment plan- that was misrepresenting the facts.. Per XXXX XXXX Announces Targeted Foreclosure Moratorium on VA Loans Through XX/XX/year>. On XX/XX/XXXX, the Department XXXX XXXX XXXX ( VA ) announced a targeted foreclosure moratorium on XXXX loans intended to allow servicers sufficient time to implement the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX That makes XXXX months already of crashing my XXXX XXXX. The audacity of this lender to propose that I make an extra {$500.00} payment on top of my existing mortgage of {$1800.00}. I had already submitted bank statements and expenses report, and I have roughly {$60.00} to my name after everything. Im already emotionally, physically, and financially exhausted yet Freedom Mortgage chose to engage in misrepresentation and deceptive practices. 

I call back and speak to a helpful female rep who was just as perplexed as me with the repayment plan. She told me shed reject it and request for the forbearance. I voiced my frustration and anger that I was led down XXXX XXXX that caused unnecessary suffering and serious damage to my credit. This absolutely falls under unfair business practices. It is highly unethical to treat customers, a XXXX XXXX XXXX XXXX at that, with no respect, integrity, and empathy. Taking advantage of a persons vulnerability, like financial stability, and further exploit the situation is PREDATORY behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: AZ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OK

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The following fraudulent items have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-07-24 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-07-24 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:
I am seeking your assistance concerning the erroneous account appearing on my credit report. This matter has been damaging to my reputation, and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Complaint Against Venmo for Unresolved Transaction Dispute and Refund To Whom It May Concern : I am writing to formally file a complaint against Venmo regarding an unresolved transaction dispute and refund. Below are the details of my issue : XXXX. Financial Institution : Venmo XXXX. Transaction Date : XX/XX/year> XXXX. Incident Description : On XX/XX/year>, I sent money through Venmo to an individual who scammed me. I promptly requested an investigation and disputed the transaction. Venmo acknowledged the dispute and informed me on XX/XX/year>, that a refund had been approved and would be processed within XXXX to XXXX business days. 
Despite this assurance, I did not receive the refund within the stated timeframe. After multiple follow-ups, Venmo later communicated that they were expediting the investigation. Eventually, I received an email from Venmo instructing me to contact my credit card company/bank for further assistance, stating that the refund should be handled by them. 
XXXX. Communication Attempts : I have contacted Venmo more than XXXX times regarding this issue by phone, each time seeking clarification and resolution. I also reached out to my credit card company/bank, as instructed by Venmo, but they confirmed that they never received any refund or related communication from Venmo. 
XXXX. Resolution Sought : I am seeking the immediate processing of the refund owed to me, as initially promised by Venmo. Additionally, I request an explanation for the delays and miscommunication that have occurred throughout this process. 

This issue has caused significant frustration and inconvenience. I trust that the CFPB will assist in ensuring that Venmo honors their commitment and provides the refund I am entitled to. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/1981, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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