vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX  XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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:
In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX account number XXXX, and XXXXXXXX XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have 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
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the 2 inquiries from my Experian : XXXX | XX/XX/2023 XXXX  | XX/XX/2023 They need to be removed immediately I never applied for these and they never permissable purpose

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 2023-09-15 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-15 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received

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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-15 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: GA

Complaint narrative:
I have made several attempts since XX/XX/2022 and every month afterwards. My last date I sent another dispute was on XXXX XXXX Experian has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to Experian from the bankruptcy court stated that they didn't provide no information to any credit agencies.

Experian also fail to remove addresses and names that does not belong to me.

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Yes I've filed a complaint about this company to you guys before. The XXXX XXXX XXXX is not reporting my car payments to Equifax. I contacted Equifax and they said there isn't an account on file with XXXX XXXX in my name. There for they are not reporting my car payments to the credit bureau. I contacted XXXX XXXX today XX/XX/2023 about this issue again which has still been an issue with this company and this the second complaint that i filed about them. They said to like they always say to me that they will file a dispute to the credit bureau or with whom ever handles issues like this. I just want them to report my payments to the credit bureau. Because like I told them I'm telling you. I pay my car payments on time twice in every month and I haven't missed a beat. I would like them to report this outstanding payments to the credit bureau so I could get my credit score and get my credit where it's due. Please help me once again resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I XXXX  customer service phone number for PayPal.I called number XXXX and a man identified himself as a PayPal representative. I told him I had an ongoing issue by with hackers in all my accounts. I thought I had closed everything down and opened a new one. My daughter sent XXXX XXXX  which I never got., about XXXX months ago, my son did a test run by sendinXXXX XXXX XXXX to my account... never got it. We finally started using email address instead of user name.now it works but this guy who called himself XXXX said he needed access to my phone because it had been hacked and he needed to verify me. I had to put in a code, he wanted me to open a cash app account, put XXXXXXXX XXXX cash in the bank and buy XXXX.Then he could give me the XXXX . He also gave me this Number : XXXX and had me add him to my contacts.i stupidly did but I hung up quickly did a factory data reset.cancelled my checking account, changed a bunch of passwords ... etc. I called his number later and it said the XXXX subscriber you want is not available. I tried calling and texting XXXX and pay pal. Nobody gives a hoot.They could care less. So someone has my XXXXXXXX XXXX and probably my info and I'm really upset.This world sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, Transunion, Equifax and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft 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 2023-09-15 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: GA

Complaint narrative:
Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, XXXX, Equifax and XXXX are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX and Equifax continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I got treatment in XXXX XXXX XXXX XXXX XXXX for accident on XX/XX/XXXX. I paid all my bills in XX/XX/XXXX. After this incident I never went to this hospital for any treatment but hospital sent me bill for treatment happened on XX/XX/XXXX. I called them more then XXXX times spoke to employee name XXXX to clear I was not at their hospital after XXXX maybe someone else used my social number to get treatment. But they send this bill of XXXX to collection on my social. Now it's showing as derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: PA

Complaint narrative:
Greetings, On XX/XX/XXXX, I took out a federal direct XXXX loan to attend XXXXXXXX XXXX XXXX XXXX my XXXX year. The loan was taken through XXXX XXXX XXXX. I completed my XXXX year and joined the XXXX in XX/XX/XXXX. As of XX/XX/XXXX, I owed {$3200.00} on this loan through XXXX XXXX ( I have pictures of billing statements to reflect this ). In XXXX of XXXX, I XXXX to XXXX. Because I did not have any living expenses, I took the majority of my pay over the course of my first several months of XXXX to pay this off. I made my final payment to pay off the entire balance on XX/XX/XXXX to the amount of {$610.00} ( I have screenshots to reflect this ). 

I was XXXX from the XXXX in XXXX of XXXX and received no correspondence from XXXX XXXX because my loan repayment was satisfied. I began using my post XX/XX/XXXX GI Bill at XXXXXXXX XXXX  and graduated in XX/XX/XXXX with benefits remaining and XXXX educational related debt. 

On XX/XX/XXXX I received an email saying my student loans were transferred to XXXX. I figured this was fraudulent because I was using my GI Bill and my student loan from XXXX was paid in full. After several months of receiving mail from XXXX regarding a student loan, I ran an official credit report from XXXX XXXX XXXX XXXX and saw a {$2700.00} outstanding student loan through XXXX as of XX/XX/XXXX. I attempted to contact XXXX to figure out how this outstanding loan was possible given the circumstances I explained above. After an hour of waiting on hold, I was informed that my student loan was transferred AGAIN to a company called EdFinancial services. When I spoke to an EdFinancial representative via phone call, I was told that my loan was taken out through XXXX XXXX I asked them to send me the promissory note as proof of this loan 's existence. I just received the promissory note ( over a month later ) stating that the loan is from XX/XX/XXXX for XXXX XXXX  ( not XXXX ). I attempted to login to XXXX XXXX XXXX to obtain records for my proof of payment, but the website directs me to XXXX. I am extremely frustrated and at a loss as to how this mistake occurred in the first place, and especially the difficulty in obtaining any useful information through the three different companies. At this moment, it seems impossible to speak to any person with the authority and access to information that can remedy this mistake. 

I apologize for the length of this explanation, I thought it was necessary to fully explain. 
Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Aspen National Financial, Inc.
State: FL

Complaint narrative:
I have been in the process of getting out of my timeshare for years. This timeshare has sold my information to this third party collection agency called Aspen National Collections without my consent. And I should be protected by the Fair Debt Collection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent XXXX rounds of letters to dispute my account and nothing has happened. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of $ XXXX XXXX XXXX XXXX Rewards This is a charge off and I demand a form 1099c for tax purposes!

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