vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have reviewed my account statements and believe that Barclays has not provided proof of mailing or delivery of the necessary information at least XXXX days prior to the due date for the payment in question. As such, I respectfully request the following documentation : Proof of the date ( s ) the required payment due date notices were mailed or delivered to me.

Any evidence ( e.g., mail tracking information, email delivery receipts ) showing that these documents were sent or delivered in compliance with the aforementioned sections of the law.

Additionally, under 15 USC 1681s-2, I request that you review and correct any inaccuracies related to this issue in my credit report, as the alleged late payments may have been incorrectly reported due to non-compliance with these legal requirements. 
Please provide this documentation, including any email delivery receipts or other records verifying that the notifications were sent on time. Without this documentation, I can not accept that the payments were correctly treated as late under the Fair Credit Billing Act and may have grounds to dispute this information with the credit bureaus. 
I expect a prompt response to this request. If you fail to provide the requested documentation or continue to treat my payment as late without the required proof, I will consider taking further action, including disputing the report with the credit bureaus and consult an attorney specializing in consumer protection law.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-08 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:
You are breaking multiple laws in regard to my consumer report. 





The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

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 2024-11-08 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to identity theft. Following a recent data breach, I discovered unauthorized accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these accounts. 
The accounts that are fraudulent and should be removed are as follows : XXXX. Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} In addition, I request the removal of the following unauthorized inquiries from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I ( XXXX XXXX ) tried to dispute a double Authorization Hold on my account for {$3100.00}. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX charged my credit card TWICE for {$3100.00}. 

XXXX XXXX made the effort to release the hold and cancel the transaction. He filled out the paperwork TD Bank requested and sent it to TD Bank. I attached a copy of the document to this complaint. 

The " Release of Hold '' letter was received by TD Bank on XXXX at XXXX XXXX. 

TD Bank refuses to honor their own processes and release the hold. TD Bank repeatedly misrepresented the information, the processes, and in some cases, through multiple phone calls, they insulted me. 

I need TD Bank to release the hold and return {$3100.00} into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The company due to data breaching. 
My personal information is out on the dark web. It has eliminated me from open up eternal bank accounts as well as getting mortgages as well as getting higher extended credit on my existing credit line. I have disputed charges due to incorrect information that was on the credit reports as well as information that was submitted due to identity theft, incorrect addresses as well as incorrect information that was utilized in my name. 

I have requested this information with proof of being my debt and I have not got any response regarding this matter. I am looking into more in-depth information that would exceed to dismiss this that or debts in collections as well as information that is on my credit that is not correct in existing in the proper manner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am writing to formally demand that you cease all communication with me, whether by phone, mail, email, or any other means, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Furthermore, any further attempts to contact me, including but not limited to reporting this account to credit reporting agencies, will be considered a violation of the FDCPA. In XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court held that reporting to credit bureaus is considered a medium of communication subject to a cease-and-desist request under the FDCPA. Therefore, if you continue to report this account to any credit reporting agencies after receipt of this letter, I will pursue all available legal remedies. 
Please be advised that failure to comply with this demand may result in legal action being taken against your company, and I will seek damages and attorney 's fees as provided under the FDCPA. 
I trust you will honor this request promptly. If you believe you are not the appropriate party to receive this notice, please forward it to the correct party and provide me with confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This company has called me every single day I mean literally about 3 times a day I cant even get any other calls with this kind of harassment at this point they owe me because of the harassing calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 
Account name : # 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.has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX.Account # XXXX .. Account name : XXXX XXXX XXXX  .. Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX..Account name XXXX XXXX..Account XXXX XXXXXXXX XXXX.has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-11-08 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to identity theft. Following a recent data breach, I discovered unauthorized accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these accounts. 
The accounts that are fraudulent and should be removed are as follows : XXXX. Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} In addition, I request the removal of the following unauthorized inquiries from 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 XXXXXX/XX/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 2024-11-08 00:00:00
Product: Mortgage — FHA mortgage
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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was under forbearance and I went to make a payment on XX/XX/XXXX of which I made a full payment and I was able to extend my forbearance another month to stay under the 12 months to not going to foreclosure. At that time the PennyMac representative expressed to me that as long as I made the minimum payment, I can stay under the forbearance protection until I get my finances in order. The next month XX/XX/XXXX I made the minimum payment of approximately {$350.00} and when I made that payment the next representative told me I was no longer under forbearance, and was only offered a modification which raise my interest and raise my payment and elongated my loan to 40 years. My interest rate is 3.875 % on a 30 year loan they want to raise it to a 6.8 % interest and extend a loan to 40 years raising my minimum monthly payment from {$2300.00} to XXXX and approximate dollars. I was misled and when I realized what the agent told me they told me that I can no longer make the additional payment to stay under the 12 month mark. I asked him to escalate it. I spoke with another representative who told me that I can make the payment via money gram of which I did for the balance to bring up to the minimum monthly payment of the {$2300.00} and she said that I still do not qualify for the forbearance extension, the payment option and modification option that they are giving me is not helping me in anyway, my finances are still not where they need to be. I am a father of XXXX married, and my children are all under the ages of XXXX XXXX XXXX I can not be homeless please help, I was gravely misled by the representative PennyMac on how I can maintain my payment in interest and I do not know what to do moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2024, my bank card was fraudulently withdrawn {$300.00} twice. I called Bank of America to request a refund. BOA asked me to file a claim. I filed the claim as they requested twice but they have refused to refund me both times.

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 2024-11-08 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There are XXXX hard inquiries on my Credit report and I do not recognize any of them or did not give consent

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 2024-11-08 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: KEYCORP
State: OH

Complaint narrative:
There are XXXX hard inquiries on my Credit report and I do not recognize any of them or did not give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX pull a hard core credit report for me with Equifax and Equifax sent them inaccurate information. My credit score was reported inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
am filing this complaint against TransUnion due to their failure to properly investigate an inaccurate bankruptcy record on my credit report. I provided documentation from XXXX showing they are merely a reseller of TransUnions data and do not independently source bankruptcy information. Despite this, TransUnion has maintained the inaccurate bankruptcy record without providing a full method of verification, as required under the Fair Credit Reporting Act ( FCRA ). 

I requested that TransUnion disclose the specific verification method, including the name and contact information of the verifier and details on how the bankruptcy was confirmed as accurate. However, TransUnion has not provided this information, and the record remains on my report. This lack of transparency and incomplete investigation violates FCRA guidelines and calls into question the accuracy of the information being reported. 

I am also requesting the removal of an outdated address from my credit report. TransUnion has not responded appropriately to my dispute, and I am seeking CFPB assistance to ensure compliance with FCRA requirements and a thorough resolution to this matter.

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 2024-11-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX.Account # XXXX .. Account name : XXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX..Account name XXXX XXXX..Account XXXX XXXX XXXX.has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief