vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: OH

Complaint narrative:
looking over my credit report over and seen there are unauthorized accounts on my credit that does not belong to me and need them removed. this is holding up my process of purchasing a home and i have a legal right to dispute anything on my credit report that does not belong to me here are the accounts : 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

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: VA

Complaint narrative:
On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number 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 2023-08-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX Equifax and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX Equifax and XXXX XXXX services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXX mission late payment, XXXX XXXX  and XXXX XXXX  was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXX and XXXX 
Equifax and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
XXXX is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give XXXX written permission to furnish 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 non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I Currently have gone through a divorce and have been in the process of having my Ex-wife ( CO-Borrower ) removed from my VA loan. ( Release of Lien ) I reached out to the VA and they informed me that they no longer have direct connection in the process of having to have a VA form XXXX filled out, and that the mortgage holder can complete a release of Liability for the co-owner completed directly with your mortgage company. Which for me is Truist Bank. I have been in contact with Truist since XXXX of this year. I reached back out to Truist on XX/XX/XXXX and informed them of the information that I received from the VA in the following quote " Hello, Thank you for your response. 
As of XXXX XXXX, all VA loan servicers/holders have been empowered to complete this process for you directly without VA review and processing. 
For further assistance, please submit these documents directly to your mortgage servicer/holder that you make your monthly payments to. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Veteran Affairs XXXX Regional Loan Center Email : XXXX '' Ever since that date ( XX/XX/XXXX ) I have yet to receive any further action from Truist. I have followed up with them multiple times and sent all required documentation to them for Quit claim deed signed by ex wife, detailed legal separation agreement. etc. Yet Truist has not yet fixed my mortgage or complete the ( ROL ) to have her legally separated from my VA loan. 

This issue has become a major concern as to my legal documents with the separation this action was supposed to have been completed soon after the divorce. Because of the inaction from Truist though they have managed to put me in a time-consuming bind. Truist is not fulfilling their requirements of my request and the sanctions of my VA loan as well as the direction of the VA to my understanding. 

I really need this completed and it feels almost as if Truist is attempting to force a refinance or something other than what is right. I have also been informed by one of the persons working at Truist that I am not the only veteran dealing with this same situation. 10 plus other veterans are in my same position and Truist is putting every single one of them on hold.

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 2023-08-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX After reviewing my credit reports I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX XXXX account XXXX. PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX XXXX XX/XX/XXXX however Equifax STATES I was XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX states I was late XXXX XXXX XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act.

15.US Code 1681e- Compliance for Accurate reporting.

Please correct to paid never late or remove account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid 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: SD

Complaint narrative:
Discover credit card, wouldn't understand the death of a family member on XX/XX/XXXX, because of XXXX about what this bank put XXXX XXXX thru, last 5 years I'm his cousin XXXX XXXX and was told. We in the family can not and I'll repeat again " we can not not pay off his scam account off of XXXX I'm not repeating this again in 2023 to any bank or business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
BANKRUPTCY REPORTING DISPUTE I would like to bring to your attention an erroneous bankruptcy reporting on my consumer report. On XX/XX/2023 I requested Equifax to conduct an investigation on a bankruptcy reporting on my consumer report. I asked equifax if they found inaccurate information to remove the information reporting. Upon further investigation on my behalf I have found the adverse information of a bankruptcy can not be validated by XXXX XXXX. The document presented in this complaint shows equifax using this information of a bankruptcy that can not be validated by XXXX XXXX dated XX/XX/2023 On XX/XX/2023 XXXX advised Equifax that the bankruptcy reporting could not be validated upon the final investigation. I was under the impression that this error would be corrected promptly. 

However, it has come to my attention that an appropriate investigation has not been conducted on the behalf of Equifax and the bankruptcy reporting still remains on my credit report. This is a violation of my Fair Credit Reporting Act ( FCRA ) rights under code U.S.C. {$15.00} 1681.

I kindly request that Equifax immediately remove the bankruptcy reporting from my credit report immediately. Failure to do so will continue to harm my credit standing and may result in further legal action on my part to rectify this issue. 

Thank you for your prompt attention to these matters. I look forward to your immediate action to rectify the situation. 


1. Copy of Driver 's License 2. Equifax credit report showing the validity from XXXX XXXX. 
3. Copy of Social Security Card 4. Recent XXXX  Utility Bill 5. Letter from bankruptcy court 6. Letter from XXXX XXXX of bankruptcy not validated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of { XX/XX/XXXX }, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. 

As s reference, please see the below inquiries : XXXX XXXX XXXXXXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : XXXX on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 

I am, because of this notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my report. Additionally, I have yet to permit Experian to provide consumers with this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. 
You must report information accurately ; you are not doing that now. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

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 2023-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX and XXXX XXXX XXXX all have been updated and is above XXXX. The issue is with my Experian that shows a score of XXXX. It shows three pending disputes. These disputes have been resolved and written off. Please contact Experian and have them reinstate my high credit score. I have bank and collection agency documentation showing all my debts are cleared and written off. Kindly have Experian update my account. Thank you.

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone trying to open a credit card with my name on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a credit card on XXXX XX/XX/2023 when I was at the XXXX XXXX store. They ended my billing cycle on XXXX XX/XX/2023 and apparently sent me a statement with a due date of XXXX XX/XX/2023. I had signed up for electronic statements but did not receive any. Since I was not aware that the due date would come up so quickly and I didn't get an electronic statement even though I had signed up for it, I didn't make the payment on XXXX XXXX and I was levied a fine. I called up the credit card and they said that the billing cycle end date is assigned " randomly ''. But I am not sure this is true. Why would the billing cycle end the next day after I open the credit card? I believe this is done by the bank to collect late fees. Additionally, I didn't receive any statements either. 
For me to make my first purchase using a provisional credit card on XXXX XXXX and for the bank to create a due date on that purchase based on a billing cycle that ends the next day is causing undue hardship. I don't believe I even received my permanent credit card to replace my provisional paper card by the date the payment was due. 
I would request the government to look into billing practices of Synchrony Bank to see if they assign billing cycle end dates for all customers the date after they open a store credit card so that the due payment comes up quickly and they can charge a late fee. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
Please see attached. Our original complaint that we filed with the Attorney General is included. 

Since the complaint was filed our current provider is working on a loan modification, which will double our interest rate. They have also sent us a trial period payment plan that is {$1200.00} more than our original payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/2023 I called American Express and talked with XXXX and XXXX. XXXX said I can not dispute the charges because " the attempt to cancel was made post the charge submission date. '' XXXX said that American Express mailed me the letter saying that one of my ongoing disputes was canceled on XX/XX/2023 to my business address. Then I told her that more than likely it was the date of the letter. 

Then XXXX said that it was emailed to me on XX/XX/2023. I asked her what email address, and she said she can not say my email address because of company policy. I have many email addresses, so the fact that American Express can not mail me a letter regarding a dispute is not good. 

XXXX read the resolution letter to me, which was from American Express Customer Service. 

She was unable to complete any of my disputes for various reasons. 

I don't know why American Express makes it so hard for me to make a dispute. 

I think they just don't want to lose money, even though I did not make these charges, or contacted the companies numerous times to cancel, yet they still charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Im XXXX of 2021 my phone, wallet and my rental car were stolen. I made cash app aware of what was happening as soon as I found out they sent {$250.00} to someone from my phone. I sent them the police report. They still insist that it was of my own doing,

Company response to consumer: Closed with explanation