vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I got an email in regards to a remote job opportunity XX/XX/scrub> 2024. They said that Ive been selected to move forward in the hiring process. I was sent a form to fill out that I was told it will serve as the interview XX/XX/scrub> 2024. I was told I got the job and that someone will reach out to me via message for the next steps. Through text, I was told a training date and that I will be sent checks. These checks needed to be cashed by me and the funds needed to be sent from me using XXXX XXXX, XXXX and XXXX XXXX. I was told it needed to be sent by me because the in voice needed to be in my name. The money was intended to be for the work from home equipment. I was told I needed to send it to their selected vendor. I mobile deposited the check and sent the money XX/XX/scrub>, 2024. They then wanted me to send another check. By then, my mother informed me that this is extremely phishy and that I most likely got scammed. The checks bounced and I was out my own money. Ive been trying to get my money back with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-23 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-23 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: MI

Complaint narrative:
These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.

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 2024-10-23 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Sentry Credit, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX we paid our full amount. We know we are legally required some form of confirmation either by email or mail ( we requested email ), that we want written confirmation that states our payment is being processed. We explained we would like this today or tomorrow because we are needing to move into our new apartment asap and cant without this confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
My Apple Card interest rate was at the very top at over 28 %. I requested a lower interest rate as I had fulfilled my payment obligations but was told the company does not lower interest rates. I closed the account and paid the card off but had been charged the higher interest rate for more than two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was stunned this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I always check my report regularly, but today I was shocked to see discrepancies out of nowhere. I even tried refreshing the page, hoping it was a glitch, but nothing changed. The wrong accounts stayed there no matter what I did. Because of this, Im urgently asking that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XX/XX/year> I went to XXXX to get XXXX Money Orders for {$450.00} to pay Rent for an Apartment that I had just moved into. My Rent is {$910.00}. When I went to the Apartment 's Leasing Office to pay Rent for XXXX, I was told that Money Orders could not be accepted as payment for Rent. This information was in the Lease Agreement. On XX/XX/XXXX I put in a Request to Western Union for Refund on the XXXX Money Orders, ( since I had already filled-out the Apartments Name on the Western Union Money Orders ). They sent me an email stating that they were reviewing my Request and sent me a case number for Both Request. For Money Order XXXX the Case Number is XXXX. For Money Order XXXX the Case Number is XXXX. On XX/XX/year> I received an email that for Money Order XXXX I could Pick-Up a Cash Refund for the Amount of {$440.00}, because there is a {$15.00} Refund Fee. Western Union provided a Tracking # XXXX. With this information along with my ID I Picked-Up {$440.00}. To date, I have not Received an email to Pick-Up the Refund for the other Money Order. Approximately XXXX weeks ago I contacted Western Union through a Chat Service they offer. The person that I Chatted with said they would Prioritize my Request. I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sent mutilple letter that last 4 months and I have not recieved the documents that Im asking for.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Sent mutilple letter that last XXXX  months and I have not recieved the documents that Im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
I am filing this complaint to inform you that Experian has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to bully me I will not stand for it I HAVE RIGHTS!!! 
this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am filing this complaint regarding Discover 's failure to respond to my hardship assistance requests and their inadequate handling of my account closure. Here are the key events : On XX/XX/year>, I submitted a detailed hardship letter to Discover explaining my financial difficulties due to job loss and unexpected expenses. I requested a hardship payment plan for my balance of {$7200.00}, which exceeded my credit limit of {$5200.00}. 
I received no response to this initial request. 
On XX/XX/year>, I sent a second letter making a final appeal before my account 's scheduled closure on XX/XX/year>. 
Discover provided only a three-day window before account closure, which was insufficient for any meaningful negotiation. 
To date, Discover has not responded to either of my written requests for hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reported this company to Identify Theft. I requested paperwork to show proof that I signed a contract with XXXX XXXXXXXX XXXX XXXX . They state they are a credit card which is fraud. They are not. I also requested payment history proof to include last payment and amount. It states credit card limit was XXXX and they are say I owe XXXX. More than double This is Fraud. I have requested this fraud to be removed multiple times and yet the experian and transunion keep stating Verified. I have had no validation to prove this debt I demand this account be removed immediately and XXXX just updated staying that last payment was as of XX/XX/XXXX. Making this a current issue. This has caused to be detrimental to my credit standing. This account is NOT OPEN AS OF LAST PAYMENT XX/XX/XXXX. AND THIS IS NOT A CREDIT CARD. I HAVE SUBMITTED A CLAIM XXXX AND THIS HAS NOT BEEN VALIDATED OR REMOVED.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : Capital  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX and a Inquiry from XXXX on XX/XX/XXXX XXXX 
These accounts have resulted in multiple collections and an inquiry on my consumer XXXX credit report. I have attached a list of the specific hard inquiries along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
Unauthorized inquiries appeared on my credit report this morning, and I don't understand why. I always check my credit report regularly, but this time, these discrepancies caught me off guard. I even refreshed my browser, thinking it might be a technical issue, but the inquiries stayed. I urgently ask that my documents be thoroughly examined so I wont have to keep worrying about 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 2024-10-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief