vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX I started with XXXX XXXX XXXX ( XXXX ) to help with credit card debt. One of the requirements was that I had to go past due on my credit card debt. Which I did, but didn't feel comfortable with. Discover tried to sue me then, but it was not completed because I had legal counsel through XXXX. 

On XXXX I retired and my income was substantially reduced and I couldn't afford my payments to XXXX so I dropped out of the program. 

Then on XX/XX/XXXX out if the blue I received a packet from XXXX XXXX XXXX with judgement papers. I have no recall of receiving any prior communication from them. This debt is old and I should not be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-07 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a XXXX XXXX device from XXXX XX/XX/year>. XXXX XXXX pressured me not use my insurance of XXXX XXXX XXXX XXXX XXXX Select of Texas, because it would be denied. I purchased the item with my Chase Debit card. I was given a tracking number, but the item stayed in pre shipment status for over a week. After not receiving any explanation for the delay. I requested a refund. XXXX XXXX ignored me for additional week. I filed a complaint with the Texas Attorney General, To but no enforcement. Today ( XXXX ) email stated XXXX XXXX could not issue a refund because he does not store debit or credit card information. The company uses XXXX XXXX XXXX. It was my responsibility to contact Chase and seek a refund. I went to the bank today with the letter from the attorney general and email from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX + XXXX XXXX ( overdraft ) I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I talked to a banker who did not want to help, because the account was close. I called about the status at XXXX and was assured the XXXX team would return my phone. I never received the status update. 

Chase is holding on 75 % percent of paycheck. I had to return items to pay by bills. They will not issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I am writing to describe an apparently widespread problem with logging in to Experian 's website to manage credit freezes. I just tried unfreezing my credit with all three major credit bureaus, which I have done successfully in the past. I had no trouble with XXXX and XXXX but ran into extensive problems logging into Experan 's website. Upon XXXX it, there are multiple forum posts across the web from users experiencing similar issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with this article ( linked in one of the threads above ) about how hackers can easily change the email address on an Experian account to take it over : XXXX XXXX XXXXXXXX My issue so far is similar to the one described in the XXXX XXXX  : 1 ) The username and password that I am 99.999 % sure are correct did not work to log in to the site 2 ) Attempting to recover my account with my DOB and SSN did not work because it said they did not match 3 ) Attempting to recover my account with a verification code sent to my phone number did not work, I asked it to resend the code multiple times and never received a text message ( note that many of the comments in the forum posts linked above mention recover emails never coming through ) Obviously this is infuriating for people who have to waste hours on the phone to recover accounts, especially because it looks like this issue has existed for at least two years.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I tried to log into my account only for a notice to say blocked. I tried to access my funds from the atm. After calling Citibank XXXX number I was told to call a different number. After calling the second number the rep told me I needed to call a 3rd number. After calling the 3rd number a rep said I needed to call another number but that the number would be offline for XXXX. My account was blocked and no one is able to explain why!

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 2024-06-07 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: Block, Inc.
State: RI

Complaint narrative:
I had an unauthorized transaction debited from my personal checking account with XXXX XXXX XXXXXXXX on XXXX. The company called Cash App  whom I have never done any transactions with nor have I ever had an account with them received my my debit card information illegally from XXXX of their customers whom holds an account with cash app. Their customer service dept has been difficult to deal with. I was able to obtain some information from XXXX of their agents whom had advised that the transaction was initiated on XXXX at XXXX eastern standard time. The individual was located on XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX The receiver of the funds is XXXX XXXX. I have been unable to receive any responses from the company. My bank is only willing to refund me for the $ amount but is not willing to investigate further. I wish to file a police report but I need the details of the trace in writing from the company Cash App in order to file a report. As a victim of a crime I feel I have the right to pursue charges of theft against my personal checking account. I am requesting that the company Cash app be required to forward this information on to my local law enforcement for further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report.

I have requested that they prove the purchase agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive contacted the credit agencies in hopes that you would assist me in the verification of items shown on my credit report. I also have reached out to each collection agency that currently services my accounts on the report. Ive repeated requested documents i.e. original contracts and agreements with my signature to ensure information is correct and not fraudulent. Its been several months and Ive not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
Ive contacted the credit agencies in hopes that you would assist me in the verification of items shown on my credit report. I also have reached out to each collection agency that currently services my accounts on the report. Ive repeated requested documents i.e. original contracts and agreements with my signature to ensure information is correct and not fraudulent. Its been several months and Ive not gotten a response.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-06-07 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act convergent Account # XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions

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 2024-06-07 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act 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.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? Your feedback and insights would be greatly appreciated. Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I received XXXX check from the insurance company to fix damage to roof. 
I contacted freedom mortgage to see what items I needed to send along with check. 
I spoke with XXXX XXXX. he instructed me to Not endorse the check. but to mail it in with XXXX items that he emailed to me. 
these were affidavit estimate 3rd party authorization the last was to allow my fiance to speak with representatives.

I filled out this information and followed the instructions mailing it to the company on XX/XX/XXXX, XXXX it was received on XX/XX/XXXX, XXXX yet wasn't entered into the system until XX/XX/XXXX. 
I finally contacted the company on XXXX XXXX the representative kept putting me on hold and finally told me that the individuals he kept talking to had stopped answering the phone. he told me that someone ( he did not know who ) decided that my insurance claim needed monitored. trying to claim i was behind on my payments by XXXX. which was a baltant lie. he said that he would find answers the next XXXX  and call me with information. I heard nothing. 
so, on XX/XX/XXXX, I called company again and that representative gave me a phone number, XXXX in case I was not connected. 
I called and it was loss mitigation for a separate company that hadn't heard of freedom mortgage. they were XXXX XXXX XXXX. a debt collector. 
this was not the XXXX time I have had issue with them. in XXXX I submitted a pmt deferment with freedom mortgage, sending every piece of information from a requested packet to the company. I heard nothing in return. when I tried calling them nobody could find answers. this was during XXXX when I was struggling to work full-time. I missed very few days but was behind from being off after XXXX XXXX. to this day, I still have not received any form of explanation from the company.

if rates were low enough, I would finance elsewhere. but my rate is 3.125 %. I would never be able to get closer with a refi than 7 % now.

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 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: NV

Complaint narrative:
I never had an account with XXXX XXXX The company, XXXX XXXX XXXX Account XXXX is falsely accusing me of owing debt to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NV

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX we approached our local bank of America branch to let them know that we were victims of a scam. My husband who is XXXX XXXX XXXX and suffering from XXXX, was a victim of a pig butchering scam and in a way that doesn't match any prior behavior, he drew the maximum amount from our HELOC which was opened in XXXX in XXXX sitting. My name is also on the deed and the HELOC, and no questions were asked and I wasn't notified. We are now in $ XXXX of debt because of Bank of America 's negligence in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NV

Complaint narrative:
I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: 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.

has violated my rights. Or a list of inquiries : 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 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? Your feedback and insights would be greatly appreciated. Thank you for your time and consideration.

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 2024-06-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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

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