vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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:
I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ x ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ x ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} Inquiries : - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX  XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX/ XX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification

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 2024-12-21 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: GA

Complaint narrative:
I am writing regarding accounts that has been charged offs are listed on my credit report. The details of the account are as follows : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Dispute Summary : Under 15 U.S.C. 1601, 15 U.S.C. 1666, and 15 U.S.C. 1692c ( c ), I am exercising my rights to dispute this account and request specific documentation regarding the status of this debt.

Request for 1099-C Form : These accounts has been charged off and the debt canceled or forgiven, I am requesting a copy of the 1099-C Cancellation of Debt form that was not issued to me and filed with the Internal Revenue Service ( IRS ) . The issuance of a 1099-C form confirms that the creditor has discharged the debt and may have considered it as income for tax purposes.

Again, neither creditor 1099-C form has not been issued, I request written confirmation that the debt has not been canceled and clarification of the charge-off status. 

Legal Basis for Request : 15 U.S.C. 1601 ( Truth in Lending Act ) : Ensures transparency in the reporting of financial obligations. 
15 U.S.C. 1666 ( Fair Credit Billing Act ) : Entitles consumers to dispute errors in billing and request clarification of account details. 
15 U.S.C. 1692c ( c ) ( Fair Debt Collection Practices Act ) : Provides consumers the right to request cessation of collection activities and validation of disputed debts. 

Additional Requests : Any documents evidencing the transfer or sale of the debt to a third party, if applicable. 
Verification of the charge-off date and the amount at the time of charge-off. 
If the requested documentation, including the 1099-C form, can not be provided, I demand that the account be removed from my credit report as it would constitute a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate or incomplete reporting. 

I kindly ask for a response within 30 days of receiving this letter. Please send all correspondence to the address listed above. 

Thank you for your immediate attention 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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have not been able to touch the money in my account for about 3 months they have held it and will not let me touch it, this is a checking account. There was fraud with XXXX on my account that they figure out and are holding my funds still, I asked to close my account and they will now. I am pleading for help I have almost {$2000.00} in there that is stuck because they are saying its up to them When the can release my funds.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been applying for mortgage assistance for a few months. I was told I was approved for a partial claim, did not recieve paperwork. I asked several times to be reviewed for a supplemental loan and was told I could only get what I was approved for, that was not shown as even being reviewed for. Then they sent me a modification which I denied due to it being more then a regular payment. Asked again for supplemental review, I got approved for partial claim again, so I sent in the paper work 3 days after receiving, then was told I was denied because it was received late and something wrong with what notary did. I asked to be put back in so I could get the paper work again. I was told due to being 14 months delinquent I was not eligible for loss mitigation and had to pay in full or I lose my house. I specifically asked for foreclosure date and there was not one. I know I am eligible for loss mitigation. I am a loss mitigation underwriter. I was laid off and then was sick and now desperately trying to save my house and they have lied to me and not done what they said in previous months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXX XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$60.00}

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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2024, I received a call from " XXXX '' bank, XXXX, stating a purchase was made in the amount of {$550.00} on my XXXX  account. I was then transferred to an agency telling me my SS was compromised and I was being taken advantage of because I am over XXXX. My XXXX loan rate was incorrect and I should close out my XXXX  account before my money is withdrawn. This was XXXX XXXX XXXX and Freedom Debt services. They wanted me to place {$5900.00} fee on my XXXX card to reduce my personal loan. 

I declined authorization to charge my XXXX card and called XXXX bank. I do not have a XXXX credit card so there was no record of the {$550.00} purchase. I attempted to email the company but the email address bounced back. 

This company had all my personal financial information ; credit cards, SS # accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: LA

Complaint narrative:
I am XXXX XXXX military, residing in Louisiana. I am requesting that my account be reviewed under Louisiana Servicemember Civil Relief Act law. I request that my interest rates be lowered to 4 % as per the statute. Along with that I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 4 % interest rate outlined in Louisiana SCRA laws. I have attached a copy of my military orders, along with my residential lease as proof of residency in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX 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 appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-12-21 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is for a XXXX XXXX XXXX. Due to 60 days past due from me being XXXX, due to a XXXX  XXXX XXXX restricted my card. My mom sent payments in manually to the mailing address for cXXXX. I have never been late prior to my XXXX  XXXX  in XXXX XXXX, I had an exceptional payment history. I ask XXXX as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: LA

Complaint narrative:
Why is this company charging me for unexplained freeze fees that Im unaware of also there is different transactions that I did not approve and One tried contacting them. They didnt resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
There were some inquiries on my credit report. I sent out debt validation letters and disputes but still havent got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Point Digital Finance, Inc.
State: CA

Complaint narrative:
My wife and I signed documents that we did not understand we really need some help they gave us money and said we do not have to pay it back only when we sell the house we did not understand that but we needed the finances to take care of the things in the home could you please someone contact us I do have copies of what they gave us I would like to send a copies to you we just didn't understand what we were signing we did read the documents but not getting an understanding of what they were saying please please someone respond thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
Alliant Capital Management LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Is harassing me about a debt that does not belong to me. They are trying to collect a balance of {$6200.00} on a credit card I have no knowledge of and have never heard of. Furthermore they are violating CFPB guidelines when sending emails trying to collect a debt. Your company has listed guidelines on what needs to be included in the subject line. They have not followed the guidelines and this is a calculated move on their part. Their goal is to send the emails, have them go unopened, and than sue for a default in the court system. Alliant Capital Management LLC has also violated the FDCPA guidelines and laws about disclosing the 30 day window to dispute and request verification. Their email doesn't contain any of the required language. They have never mailed me a traditional letter in the mail. This is email is their first contact. Their email also contains a false statement, misrepresentation, and deceptive statement. The email was sent on XX/XX/XXXX. And states I have until XX/XX/XXXX to dispute. That is 40 days, not the 30 days required by law. They are hoping I dispute past the 30 days so they can win a default judgement against me. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I made a payment to my capital one card of {$800.00} on XX/XX/18 which cleared my bank and snows as posted on my capital one history however they will not release the funds. I have had this account for years with payments always made early and on time. Theres no reason for the hold and when I spoke to capital one they said there was no reason its just their policy even though their site clearly states payments should be made available to the balance in 1-2 days which is the most amount of time Ive ever waited for a payment to be made available to my balance. This information is false and the lack of transparency from capital one cost me hundreds as I was unable to pay for my rental from the airport and had to use another service that accepted debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I didnt authorize this companies to run my credit removal this soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Services is Bombarding my phone with sms stating that I own the {$750.00}. 

I have never had any business with this company and I already requested signed contracts or agreements between me and them and they are refusing to provide me them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/year> I submitted a letter WITH all identifying information to prove who I was and cited errors on my credit reports but way of employment info, hard inquiries and a collection from a company that NEVER supplied the original information showing I owed them instead of the so called original creditor. They sent a letter on XX/XX/year> saying the identifying information was illegible when I have sent the same information- same size font and all on purpose to prove their malicious behavior. And indeed- they stalled saying they couldnt read what I sent! This egregious behavior is uncalled for.

Company response to consumer: Closed with explanation