vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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:
Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c Dear Trans Union I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 

I recently sent a letter to the collection agency XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 

Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-22 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2024-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Complaint Regarding Credit Card Account - Request for Fair Settlement and Resolution I am writing to formally file a complaint regarding the handling of my credit card account and the ongoing fees and interest charges despite my attempts to negotiate a settlement due to financial hardship. 

- Original Loan Amount : {$6000.00} - Current Balance : {$6700.00} - APR : 28.74 % - Monthly Payment : {$300.00} - Last Payment : {$160.00} on XX/XX/year> - Past Due Amount : {$1300.00} Despite my efforts to negotiate a settlment or modify the terms due to my unemployment and financial hardship, I have not received any response or agreement form your team. My credit score has been significantly impacted, and I feel the terms of the account are causing undue hardship.

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 2024-11-22 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was XXXX XXXX XXXX  and XXXX XXXX Frost Bank by XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I proceeded to write a withdrawal slip for XXXX and the words XXXX XXXX directly under the amount where I knew the teller would look. I then proceeded to quickly ask for an update to provide a red flag that I was not OK on top of the note I sent. I could see the teller in the glass window as the XXXX became more XXXX  and nervous where I buzzed her again to get a status and acted irritated with the waiting even though it only been just a minute or two that had passed, and I was asking for a large amount of money as more assistance to the situation for her. She was chatting with her coworker, scanned my withdrawal slip, and sent the money back with my drivers license. That was my only hope for help that day and due to her negligence. I am now out that {$2500.00}. I then contacted Frost Bank, where I sat with a bank manager face to face, XXXX XXXX at the. XXXX location. He was extremely empathetic, but then proceeded to follow up by advising in a phone call that frost bank did not feel that they were liable and they would not be paying me back out the money that have been taken from me. I did express my sorrow and sadness that they would not understand more of the sadness of the situation being a single mom and only did business with them due to my deceased parents accounts and their love and trust for them. The resolution I am seeking is the XXXX back due to the negligence of the teller as they would not provide me any video to watch as they suggested they did and made their decision on. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I'm trying to access an old account. The first attempt was for the purpose of obtaining the proper documentation for the cash app settlement claim form to verify and back up the claim I have. When I contacted cash app customer service I asked for assistance in getting into my old account I was sent information that not only kept me from my account but it inevitably took the associated email from the account I wanted into and placed it on my current account which is not what I wanted and now I have no way to obtain access on my end because I have no email or phone number associated with account to verify just the cash tag. On top of this I have missed the deadline to file my claim for settlement. I emailed the administrator assigned to the cash app settlement and received a response but it was not helpful as I'd hope. I feel as if this was a tactic to keep me and I can only imagine others from gaining the necessary information for claim. Also my transcript from this particular occasion was not present in my cash app chat log. Fast-forward about 3 weeks or more to now and I'm needing to get into another old account and I was met with the same solution as they gave the previous time but I did not follow the deceptive solution, I asked to speak to supervisor and was told there was not one but to give a good email address and they would get back to me. I asked for a customer service phone number and when I called I got the same response of no supervisor present and to leave a good email. Cash app should be investigated further in the deceptive practices and not allowing users to access old accounts even when the verifying information asked for us given they still prevent access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a purchase of an Apple product and chose to pay an on an installment plan through Apple. When you make the purchase you put in all of your information for payment to the same company that you were getting the installment from... Essentially making the first installments payment that day. For good reason I assumed that this would be used for all of my future payments. I didn't opt out of paper billing. I didn't select anything special. 

3 months later I checked my credit report and it showed up as having unpaid accounts. Using that information I was able to track down a website to check on auto billing status. The company claims that no information was entered even though I clearly put all of it in when I made the first purchase or they wouldn't have sent me the computer I purchased. 

They sent me no bills or past due notices. I didn't even have any information to know who the financing was through... When I called the number after finding this website it claimed the financing was through Goldman Sachs, not Apple. They informed me that they never sent any paper bills... Even though there were past due notices on the account, I had no idea this was happening and that my initial payment information wasn't being used. 

I would understand if it was a third party financing company that I had set up a totally separate account with... But then you get all of your account information in the mail. The website I'm still being sent to is an Apple based website. Apple is the company that I entered all my payment information to initially. This seems like it is clearly set up as a scam for customers that would give us no way to understand that the information we are submitting upon agreeing to the payment plan requires additional setup beyond entering all of our payment information to make the first installment payment and get the item. This process needs to be fixed. It's predatory. They claimed to have sent emails, but unless it was just going to my spam box and being filtered out automatically, I certainly don't see them. And having no system to send paper bills if you aren't getting payments or not giving someone the option to opt in or out of online payments at the time they sign up so they are aware and have copies of all of their account information and website for setup for additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX XXXX. XXXX SSN # XXXX ...... I am a victim of identity theft two accounts listed below I do not recognize or authorized nor give consent for these accounts to be open these are fraud and they do not belong to me this cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reported agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent inaccurate and false information consist of a personal credit card account open at XXXX XXXX, on XXXX under the account number # XXXX with the balance of {$1000.00} ...... XXXX XXXX, date open XXXX under the account number # XXXX with the balance of {$3800.00} .... These two credit card accounts do not belong to me XXXX XXXX and discovery which are strong up above. These account have resulted in several fraudulent hard inquiries and fraudulent collections reporting on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  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 of appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC identity theft criminal complaint number # as proof of 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. I demand deletion immediately and be removed 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 2024-11-22 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: SC

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
XXXX, Equifax and XXXX have been notified that I am a victim of Identity theft, that my PII  was leaked by multiple data breaches. FTC Identity Theft report has been provided to XXXX, Equifax and XXXX. All XXXX CRA 's have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. All XXXX CRA 's are unlawfully reporting fraudulent accounts under " XXXX XXXX, '' '' XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' " XXXXXXXX XXXX XXXX, '' with incomplete information and are failing at providing the substantial proof of these accounts. All XXXX CRA 's have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer yet they're capitalizing off the use of my Personal Identifiable Information. I revoke prior consent for Equifax, XXXX and XXXX to use my PII data. ALL CONSUMER REPORTING AGENCIES must delete the fraudulent information and provide a copy for my approval until the credit report and score is full, complete, and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
Experian, XXXX and XXXX have been notified that I am a victim of Identity theft, that my PII was leaked by multiple data breaches. FTC Identity Theft report has been provided to Experian, XXXX and XXXX. All XXXX CRA 's have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. All XXXX CRA 's are unlawfully reporting fraudulent accounts under " XXXX XXXX, '' '' XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' " XXXXXXXX XXXX XXXX '' with incomplete information and are failing at providing the substantial proof of these accounts. All XXXX CRA 's have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer yet they're capitalizing off the use of my Personal Identifiable Information. I revoke prior consent for XXXX, Experian and XXXX to use my PII data. ALL CONSUMER REPORTING AGENCIES must delete the fraudulent information and provide a copy for my approval until the credit report and score is full, complete, and accurate.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX  XXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, Experian, and XXXX, as well as XXXX XXXX XXXXXXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. 

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, Experian, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXXXXXX XXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, Experian, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX  XXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
, Im asking you to look into this matter, as Bridgecrest maybe operating unfair Business practices On XXXX - Bridgecrest Acceptance Corporation has charged off - Make and Model of Vehicle : XXXX  XXXX XXXX XXXX XXXX this account as a loss in its financial records, which signifies that the debt was determined to be uncollectible. 

- According to Generally Accepted Accounting Principles ( GAAP ), once an account is charged off, it is classified as a loss, and the creditor acknowledges that it no longer expects to collect the outstanding debt. 
I DEMAND MY COPY OF THE 1099 C AS WELL AS THE RELEASE OF ELECTRONIC TITLE LIEN, WITHIN XXXX BUSINESS DAYS. 

Legal Basis for Demand - Uniform Commercial Code ( UCC ) XXXX : Requires lienholders to release their lien upon discharge of the debt. - Georgia Code XXXX : Mandates prompt release of liens to facilitate clear title issuance I will be Requesting for Investigation with the CFPB AND THE IRS FOR THESE Relevant Laws and Codes XXXX. Internal Revenue Code XXXX : Creditors are required to issue Form 1099-C to the debtor and the IRS when a debt of {$600.00} or more is discharged. This regulation includes instances where a debt is charged off as a loss. 

XXXX. Treasury Regulation XXXX : Details the conditions under which creditors are obligated to issue Form 1099-C, including charge-offs, settlements, or other recognitions of debt cancellation. 

XXXX. IRS Instructions for Form 1099-C : Clearly state that creditors who fail to issue the form may be subject to penalties under XXXX XXXX for failure to file correct information returns with the IRS and XXXX XXXX for failure to furnish correct payee statements

Company response to consumer: Closed with explanation