vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, 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 need some help, I have disputed this account on my credit which shouldn't be it's not even mine. Equifax did nothing, just dismissed my dispute. Please help the account in question is XXXX XXXX XXXX - REPORTED AUTHORIZED USER WHICH I WAS REMOVED THIS SHOULD NOT BE ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : This is a notice that the following account ( s ) notation and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX DAY LATE ; delete late payment notation and update to paid 2 ) XXXX XXXX XXXX COMMENT CURRENT REDEEMED REPOSSESION ; delete current comment 3 ) XXXX XXXX XXXX STATUS Paid, was past due 30 days ; update to Paid satisfactorily My latest EXPERIAN report number XXXX 15 U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

XXXX XXXX has not provided a notice that complies with 15 U.S.C 6802 ( a ). 

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added These harmful items were deleted from my report, and then reinserted in violation of 15 U.S.C. 1681 ( 5 ) ( i ) which is another violation of law. 

Do not delete the XXXX XXXX account referenced above, correct it so it reads as stated in lines 1 and 2. Your company has violated consumer protection laws numerous times in relation to this accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws immediately.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China. 
XXXX delivered to local post office with insufficient address merchandise returned back to merchant. 
XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input. 
XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee. 
XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale. 
merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit. 
XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case. 
Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward. 
Customer sends letter and screen shots of all of these on XX/XX/2022. 
On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''. 
Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale. 
I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX5 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
XXXX2nd issue, same company, different problem. ** I called XXXX yesterday, XX/XX/2022, to extend my forbearance for my loan account and spoke with XXXX @ XXXX at XXXX and was told that as of XX/XX/2022 a processor had removed my loan from forbearance after my approval letter was generated XX/XX/2022 to include XXXX, XXXX, and XXXX payments within the forbearance period. I asked why my loan was taken out of forbearance and XXXX advised this was due to the fact that XXXX payment was made and the processor assumed the forbearance was no longer needed. I told XXXX this was because I continued to receive letters in the mail requesting additional information for the COVID forbearance ( even after a signed hardship letter, bank statements, and a copy of my layoff papers were provided ). I called several times to confirm the forbearance but none of the representatives I spoke with showed this was placed on my account in XXXX. To avoid negative credit reporting, I borrowed funds from family to make my XXXX payment. I then asked why no one made contact with me to let me know they were taking my loan out of forbearance and she said there were notes on the file that indicated an outbound call had been made, however, no message was left. I told XXXX this was more than unacceptable and also questioned why she was the first person to notice and convey this information to me ( even while calling several times in XXXX ). I did not receive anything in the mail to let me know my loan had been taken out of forbearance nor did anyone make contact with me to communicate this. XXXX advised she would go back to the processor who took my loan out of forbearance and tell them to backdate it from XX/XX/2022 through XX/XX/2022 and that she would follow back up with me by the end of the week. However, at this point, I have no faith in anything Im being told, as the story changes with every representative I speak with. I need assistance putting my loan in the proper forbearance, as indicated in the agreement sent and dated XX/XX/2022 and to include an extension to the original agreement. This is beyond maddening and frustrating how a person has to go through so much nonsense for something that should be relatively simple to follow. 

( **Ref case # XXXX, for other case information relating to additional complaint against this company for not following federal guidelines. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
A card was applied for in my name on XXXX for Barclays XXXX I received the card in the mail. I contacted them and closed the account. All of the info matched but I did not apply for this card. I also received a notice that another card was attempted to be applied for from XXXX that a card was applied for on XX/XX/27 but was not approved because identifying information did not verify. The card from Barclays was a hard hit on my credit report. I have contacted XXXX and was told I had to send them a copy of the report from the Federal Trade Commission with my DL and SSN for the hard hit to be 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
TransUnion LLC. Is violating my rights and federal law by reporting inquiries on my credit profile when I was a victim of identity theft. I have submitted countless letters with copies of my identification and social and identity theft report. But TransUnion still decide they can report what ever they want in my personal credit profile even when its fraudulent. After going through a brief conversation with there fraud department. He told me on a recorded line that I need more proof for them to remove the fraudlet inquiries. Im filing a complaint with the states attorney as well. TransUnion already violated my rights when I had to have the states attorney office step in to have a fraudulent acc remove from my credit profile. Because TransUnion kept sending it back as verified. 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, 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:
The following accounts reporting on my TransUnion report has the following inaccuracies and are in violation of my rights per CFPB Account # XXXX XXXX XXXX  is charged of with past due amount, Account # XXXX XXXX XXXX charge off with past due amount, Account # XXXX XXXX XXXX charge off with past due amount and account type open, Account # XXXX XXXX XXXX charge off with past due amount TransUnion is in violation of 15 USC 1681s ( 2 ) ( A ) ( 1 ) a person shall not furnish ANY information related to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate. Accounts follow.

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile Agency has committed multiple violations of the fair debt collections practices act and the fair credit reporting act. 

Grant Mercantile Agency has committed violations of 15 usc 1692e ( 8 ) and 15 usc 1692e ( 2 ) by reporting false information to third parties ( Consumer reporting agencies ) when it knew from its own records the true open date and balance.

Grant Mercantile Agency has also failed multiple times to validate this debt and I also recently mailed out another validation of debt on XX/XX/2022. 

This is a violation of 15 usc 1692g failure of validation of debts.

According to 15 usc 1692k, I am invoking my specified remedy for actual damages of {$1000.00} per violation which totals up to {$3000.00} total, and removal from my consumer report ( XXXX, XXXX, and XXXX ) The company has violated 15 usc 1692f ( 1 ) which states that they can not collect a debt unless the amount is expressly authorized by the agreement creating debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The XXXX interest rate promotion is deceptive. By using the cash advance promotion, you would think the cash advance balance would be separated from your other credit card transactions. The expectation would be receiving no interest charges on the cash advance balance, and any new purchases if you pay off the purchases in time. However, in contrary to this, I still got charged a fee after I followed their FAQ by paying off my purchases balance and a little bit more for the promotional balance. My experience is worsen by the fact that the agents I talked to could not explain how the " Balance Subject to Interest Rate '' was calculated. It took me multiple tries to even get my answer.

Not to mention, the wording of the aforementioned FAQ. 

" If you make purchases while carrying a standard or promotional rate XXXX XXXX XXXX XXXX, you'll immediately incur interest on those purchases, unless you have a 0 % rate on Purchases or you pay off the entire account balance each month. '' This can be easily be interpreted as paying off the purchases balance only in this context. There is nowhere in the FAQ where it says how you can avoid such fees if you did make purchases, or how to avoid the same fee next month. This is clearly another case of a predatory bank being confusing to trick common customers and get their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief