vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Home Depot wrote off my debt of {$3600.00} more than 8 years ago, this company XXXX XXXX XXXX bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not good for me.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except 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.

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX XXXX Account number # XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except 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. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX bank Account number # XXXX XXXX XXXX  Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I made my payment online to Barclays on Saturday, XX/XX/2022 at XXXX. It was due on Sunday, XX/XX/XXXX. The payment went through on Monday, XX/XX/2022. I woke up on Tuesday, XX/XX/XXXX to my bank account being {$140.00} in the negative because Barclay 's hit my account again for the same payment without my approval or initiation at all. I called Barclays and could not get through. I then called my bank, XXXX Bank, who informed me that Barclays screwed up and did this to all of their customers and XXXX worked feverishly to resolve this and they put the money back into my account. Now today, XX/XX/2022 Barclay has called my home rudely waking me up to tell me that my payment was reversed??? THEY REVERSED IT!! The money was always there. Barclay 's screwed up, debited my account twice and appears to have then reversed the incorrect and proper payment. And now they want to hit me with late charges. This was completely Barclay 's fault as I have been with this company for at least 5 or 6 years and have never had a problem. And now while waiting for resolutions have been disconnected... This is a horrible mess up and presentation by Barclays and I, the consumer seem to have be the one to pay for this.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( CBNA or CitiBank North America ) has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604-A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : AT T {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$1500.00}

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX  {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
4 months ago, PayPal froze my account totaling roughly {$46000.00}. They cited potentially suspicious and illegal activity, but gave no specifics. I'm a XXXX military member supporting my XXXX grandmother back home and was using PayPal to cover many of her expenses. I've emailed and called them relentlessly, but have been shut down at every turn. It's the typical terrible customer service. They say they'll send instructions on how I can receive my funds in another 2 months. In the meantime, I can not transfer or withdraw my money. I'm glad to see them getting lit up for this insanity. Surely there are others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
This company continues to harass me via phone, personal cell and work phone. 
In XXXX I called in to make a payment arrangement with one of the associate for XX/XX/XXXX to make XXXX payment, I explained i will be late and why and was told okay to the arrangement. I then two days later start to receive back to back calls and voicemails to call the office. I then get calls on my work line starting XXXX. I involved the associate to not to call my call and that they could continue to call my cell and I will improve my communication being that i also work the same hours as their business. I asked to speak to the manager during the same and also asked her to notate to never call my employment, she also confirmed that she will. In XXXX I am now still receiving calls at my employment. I am harassed on my personal number with rude and unprofessional comments from the associates in the office. It takes a strain on my mentally and at my employment with the personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX is reporting correct but ORIGINAL CREDITOR : COMMUNITY LOAN SERVICING LLC XXXX is not reporting correctly. I was protected in a covid forbearance in XXXX making my 3 `` trail payments '' in XXXX XXXX with my modification starting XX/XX/XXXX. COMMUNITY LOAN SERVICING LLC is reporting 180 days late for XXXX XXXX and XXXX DATES=, XXXX XX/XX/XXXXXXXX XXXX  : XXXX - this loan was transferred to XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
** one of my attorneys advised me to contact CFPB & file a complaint : XXXX XXXX ** mr. cooper the mortgage lender My Loan # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX 

** XXXX XXXX debited {$5300.00}. when I authorized a XXXX minimum payment online ... .. the minimum amount ; believe XX/XX/1922 XXXX debited my XXXX XXXX account ** I had complained about excessive fees & they debited 3X plus what I authorized!! 

** my bank XXXX XXXX has opened a claim via fraud department # XXXX XXXX XXXX I have asked for the {$5300.00}. returned to my check account. Made this complaint I believe to XXXX XX/XX/XXXX ~ XXXX XXXX. 

** So far no return of funds to my account ** Need cooperation from both banks to make final 'catch up ' on the mortgage incl criminal FEE Gouging by mr. cooper XXXX. they cooper where they can legally charge excessive fees. 

** Have some funds to catch up this mortgage totally ... .. but they are PILING ON fees & unsure whether legal for them to add all those fees. Want to make a pay schedule to catch up totally but DO NOT TRUST these vampires. 

Sincerely XXXX XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX email : XXXX ( he is assisting me in this matter .... am experiencing some minor health issues )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a 1099C which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I requested from XXXX XXXX XXXX cash app XXXX XXXXXXXX to return my money back due to a scam, saying he needed money for his father medical assistance, I sent him {$200.00} and than he text back saying that that his father needed more money because he needed to pay more medication that his father needed and the hospital he was in, didn't cover them, and that his father was very sick, I sent him another {$300.00}. XXXX XXXX XXXX stated that they will return the money once his father was out of the hospital, that his father bank accounts were frozen due to legal problems with his mother in law and that he would return the money on XXXX the XXXX XXXX, that was the date his father bank accounts would be available. Up to now he has not returned the money and I have requested to return it several times through cash app, and he has declined my request. I have already reported it to cash app and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation