vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I would like to address the challenging situation I faced during the COVID-19 pandemic. All of my family members lost their jobs and were fearful about the future. The responsibility to support my family fell on my shoulders, as I was the sole member working from home remotely.

Suddenly, I found myself dealing with financial difficulties in managing all our financial responsibilities. This led to some missed credit card payments. Prior to the pandemic, I had also gotten married abroad, and I needed to support my wife as well. Due to these circumstances, I struggled to make my credit card payments during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I had contacted my credit card company, TD Bank, to request the removal of these missed payments, but unfortunately, no action was taken. Despite the challenges posed by the pandemic, I eventually managed to make payments with the assistance of a credit counseling company and successfully cleared all my outstanding balances. However, those missed payments continue to negatively impact my credit report. 

Therefore, I kindly request that you consider removing these missed payments from my credit card history. I understand the importance of maintaining a good credit record and hope for your understanding and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
I was working a full time job for a year getting paid {$32.00} a hour. My boss moved and the company laid me off. I am listed still as an employee but i dont work but XXXX hours per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
I purchased cd instruments via the internet on us bank website without a human interface. I understood I have 10 days upon maturity to take action. In no document does it mention this must be done verbally. US Bank now tells me I must call or come to a bank. I will be traveling without ability to call in the time frame.

Given it is a reasonable expectation if you can buy something online you should be able to complete it the same way I asked for the following : 1. Automatically transfer the CD to checking upon maturity. - DENIED 2. Cash out now and forfeit the accrued interest but waive the penalty fee. - DENIED US Bank is opaque at best and the information isnt available where the CD was purchased ( had to XXXX it ). They are essentially holding my funds XXXX and will rollover to the same term. 

Please stop this unfair and predatory practice.

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 2023-10-20 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: MT

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Savvy Money, Inc.
State: CA

Complaint narrative:
I keep getting emails fradulently representing to be from one of my credit unions that show a sharp drop in my credit score. The credit union says they are not from them, and a check of my scores through another site shos no drop. A close look reveals the actual sender to be : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX XXXX A balance of {$5100.00} is being reported to Equifax as Collection account. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXXXXXX XXXX and Equifax never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Equifax is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXXXXXX XXXX nor Equifax have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i initiated two separate domestic wire transfers with CitiBank ; one in the amount of {$50000.00} on XX/XX/2023, and another in the amount of {$30000.00} on XX/XX/2023. I received notification that I needed to call Citibank for verification purposes, which I did. The transfer for {$50000.00} was processed successfully ; however, I received an email at XXXX today that the transfer was cancelled and the money was moved back into my account. I called the bank and was promised that the amount was approved and released for funding by close of business today. As of this evening, nothing was done and the transfer remains cancelled. I called again and spoke with XXXX, and had him escalate the issue to a supervisor on duty. I believe he said his name was XXXX. I was instructed to reenter the wire transfer request into their system, as they could not do anything with what was there already. I was promised that this issue would be followed closely and I am to call them again tomorrow. I also inquired about the {$25.00} fee assessed against each initiated transfer, stating I want to be sure to get that money back for the transaction they cancelled for no apparent reason.

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 2023-10-19 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: ProCollect, Inc.
State: GA

Complaint narrative:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a Pro collect collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/XXXX  and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.

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 2023-10-20 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. 

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 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.

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 2023-10-20 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-10-20 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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2800.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; 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 XXXXXX/XX/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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I requested to have the payments I made during Covid-19 refunded. They refunded my payments, however they refunded the Government over {$12000.00} back from Student Loan Repayment Program I was enrolled in with Ohio XXXX XXXX XXXX. On XX/XX/XXXX I called MOHELA to go over this and its over 1 month later and I havent gotten 1 update from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX XXXX '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card called me on XX/XX/XXXX  at XXXX XXXX  XXXX. I voiced my concern to the representative and he disregarded my comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX an fraudulent account was opened without my knowledge. I didn't notice account until reviewing my consumer report XXXX XXXX i believe my idenity was stolen ad compromised by close relatives.

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 2023-10-19 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
under section 15 usc 1681 i am disputing this debt for these following reasons. this account is not mine the balance being reported is not correct I have no prior knowledge of this account and it does not belong to me Why are you reporting this on my account? FCRA requires all information to be accurate! Please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I am not responsible for this 2019 debt. Per the FCRA, the right to accurate information, privacy and fairness. This debt is result of identity theft.

Diversified adjustment- Please provide proof where I signed a contract with Diversified adjustment in regards to owing anydebts. Please also provide proof of legal practice for debt collection in the state of Florida along with the originator of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief