vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
i dont regularly check my credit report. last week XXXX or XXXX of XX/XX/year> upon checking my credit report from XXXX XXXX they say that there is a missed payment from Barclay 's Bank Delaware. I learned that somebody opened an credit line with that company under my infos.

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 2024-07-01 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: MA

Complaint narrative:
I looked at my report on XX/XX/2024. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I requested SCRA-SCRA Request to be Applied- Under the By-Laws of State of Louisiana -Service Relief Act. I requested XX/XX/XXXX and was told I did not provide the correct documentation to show XXXX XXXX status. I resubmitted - and have not received the Service Relief Act -by law under the Louisiana State Specific State Laws . The following email was sent as well as all attachments to show my husband is XXXX XXXX and has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
By law, all creditors have to follow SCRA-as well state specific SCRA benefits or provide evidence that by doing so would financially hurt your company, and there would be documentation and supportation needed to be provided to Federal Courts- to support. 

Barclays - My account was opened in 2012 and for 2012 until Barclays switched my account over to XXXX XXXX 

XXXX XXXX- followed the law and applied SCRA-Louisiana State Specific to account. They did not collect any interest while Barclays held my account until they switched my servicer. Was advised Barclays is responsible for the interest they collected while they serviced my credit card.

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 2024-07-01 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: MI

Complaint narrative:
I am exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
The initial balance was for {$3200.00} and I tried to cancel this with the XXXX within a 3 day period. They offered to cut the payments in half so I would not be paying {$120.00} per month but rather {$60.00} per month. The contract was written that payment would be for 24 months. The Spa refunded {$1600.00} to leave {$1600.00} balance. Cherry Technologies Inc who holds the loan, is continuing to charge me the full {$120.00} ( actually payments of {$130.00} ). I kept complaining to XXXX XXXX and they kept telling me they would fix it. After months of trying to get this fixed and them promising to fix it, I contacted Cherry Technologies myself. They are charging me on a 12 month basis, when my contract clearly says 24 months. I tried to dispute on XXXX and even though it states 24 months and I owe {$1000.00} they state that it is accurate. It clearly is not accurate, the original {$1600.00} divided in 24 months is {$66.00} per month and they are still charging me the full monthly amount of {$130.00}, as if my balance was {$3200.00}. XXXX XXXX never originally never went over cancellation policy and also did not give me copies of the contract until I demanded copies. On XXXX it even says 24 months so I am not paying more than {$66.00} per month for the 24 months that my contract is for. When contacting Cherry Technologies the rep has told me that they have had several complaints on XXXX XXXX They are running a shady business!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
I sent letters months a ago and I never received any response for the XXXX credit bureaus. I'm so stress because this inaccurate accounts this items is FRAUD I'm never recognized this account I will listed the accounts I want to be letter thank you XXXX XXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/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 2024-07-01 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: FL

Complaint narrative:
I sent letters months a ago and I never received any response for the XXXX credit bureaus. I'm so stress because this inaccurate accounts this items is FRAUD I'm never recognized this account I will listed the accounts I want to be letter thank you XXXX XXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/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 2024-07-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  Act # XXXX opened on XXXX. XXXX XXXX XXXX # XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX opened XXXX. 
XXXX XXXX  dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between XXXX, XXXX and transunion and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  XXXX # XXXX opened on XXXX. XXXX XXXX XXXX  # XXXX opened on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX opened XXXX. 
XXXX XXXX  dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between Equifax, XXXX and XXXX and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX XXXX 1984, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  XXXX # XXXX opened on XXXXXXXX XXXX XXXX XXXX # XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX opened XXXX. 
XXXX XXXX dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between XXXX, Experian and XXXX and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-01 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: IN

Complaint narrative:
I am writing to dispute a late payment reported on my credit report for the account with XXXX XXXX Account Numbers : XXXX ). This late payment is inaccurately reported, and I am requesting its removal based on the provisions of the CARES Act. 
The CARES Act, signed into law on XX/XX/year>, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under specific circumstances. According to 15 U.S.C.

1681s-2 ( a ) ( 1 ) ( F ), if a consumer makes an arrangement with a lender or creditor for payment accommodations due to the COVID-19 pandemic, any adverse credit reporting during this period is prohibited.

During the COVID-19 crisis, I made arrangements with XXXX  XXXX for payment accommodations due to financial hardship directly related to the pandemic. This should have protected my credit report from any negative reporting during the accommodation period. The late payment reported is in direct violation of the CARES Act amendments to the FCRA.

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 2024-07-01 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: GA

Complaint narrative:
I found hard inquiries on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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 was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please review my reports. I noticed the creditors are not cooperating with the request I need for the inaccuracies reporting on 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 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK
State: MS

Complaint narrative:
On XXXX XXXX I received a presentment from CADENCE BANK XXXX XXXX  stating TOTAL DUE {$30000.00} TO BRING YOUR LOAN CURRENT. On XX/XX/2024 I delivered the presentment along with a check in the amount of {$30000.00} drawn form my account at XXXX XXXX XXXX XXXX XXXX XXXX. I delivered the check to Cadence Bank located at XXXX XXXX XXXX XXXX, XXXX I presented the check along with the presentment sent to me by Cadence Bank to XXXX XXXX, XXXX XXXX got on the phone with XXXX XXXX in the XXXX XXXX XXXX Cadence Bank. XXXX XXXX told XXXX XXXX not to accept my tender of payment although it was for the full amount stated on the presentment sent to me by Cadence Bank. I have a video of the transaction in which XXXX XXXX is refusing to accept tender of payment in accordance with the verbiage on their presentment. I received a foreclosure notice a few days later from XXXX XXXX XXXX ( XXXX ). I contacted XXXX XXXX to discuss this issue his office told me they would have him call me back, to this day XXXX XXXX has not responded. UCC 3-603 states that if tender of payment is made and refused the debt in the amount of the tender must be discharged. If everyone has equal protection under the LAW why are banks allowed to ignore them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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. 

XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, DEPTED/XXXX XXXX # XXXX, XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX. 



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 inaccura

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I called Midland Credit Management to verify and settle a credit card debt. I spoke with an agent named XXXX and verified my name and DOB, I told him I wanted to dispute and verify the debt as I did not distinctly remember the credit line. I asked him for his companies address so that I may send written notification requesting pertinent details of the account as required under the FDCPA. XXXX was very argumentative, demeaning, rude and would not transfer the call to someone else and would nor provide the companies address despite repeated requests from me to provide the address or transfer the call. I asked to speak with a manger and was put on hold but not connected. I called them back and spoke with a different agent who was very helpful and provided me with the company 's website which had all of the relevant documents necessary for me to validate the debt. I was connected with the XXXX, XXXX XXXX, with whom I was able to get the address for the company and settle the debt.

15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) outlines the requirements for debt collectors regarding initial communications with consumers. Among other information, it requires that debt collectors provide their address. The documents in question were sent to an old address and I never received them. A reasonable person would understand that under the spirit of the law, a debt collector would need to provide their address if requested by the consumer. As the Agent XXXX violated the FDCPA, I believe an investigation into the conduct of Midland Credit Management ( MCM ) is warranted to protect the rights of any future consumers who deal with MCM and to allow them to exercise their rights to dispute or validate their debt without facing unnecessary harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA

Complaint narrative:
No notice lock out of home via sheriff eviction XX/XX/24. Have email ( from OVM ) 2 months prior stating mortage is in good standing, never missed payment. Paid via cashiers check for XXXX and XXXX, and they were cashed. Paid property tax in XXXX from escrow. County confirmed XX/XX/24 no taxes owed. Somehow foreclosed last year some time, don't have many details everyone is radio silent. Lost my dog permanently now and children are homeless. Ridiculous. House bought by XXXX for more than what I owe, money still in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
I need help, I have attached supporting document

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