vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Citibank continues to violate my rights when it comes to sharing my personal information with non affiliated third party companies including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the Privacy act of 1974 it is illegal for any company to report transaction history ( Privacy Act of 1974 If a federal agency is involved, it can not disclose personal information, including transaction history, without the individual 's consent unless certain exceptions apply. ) This applies to The Social Security Administration which includes my SSN XXXX 
Per the Privacy Act Damages : If an agency is found to have willfully or intentionally violated the Privacy Act, the individual may be entitled to actual damages sustained due to the violation. 
Minimum Damages : The Act provides for a statutory minimum of {$1000.00} per violation, even if actual damages Per the Fair Credit Reporting Act ( FCRA ) The FCRA governs how consumer credit information ( including transaction history ) is shared by credit reporting agencies and financial institutions. 
Permissible Purpose : Transaction history can only be reported to authorized entities, such as creditors or erotatons ( eg, Inauthonied sharing ) oan lead XXXX ines, penates, and lawsuits Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, per 15USC6802-6805 this will be effective immediately and indefinitely Sincerely, 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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I read a communication from Midland Credit Management ( MCM ), dated XX/XX/year>, that contained a billing statement as verification of debt. Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested MCM to provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable.

I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NV

Complaint narrative:
I REQUESTED FROM TRANSUNION PROOF OF VERIFICATION OF DEBT AND THEY DID NOT PROVIDE THE INFORMATION, THEY VIOLATED SECTION 15 USC 1681 i ( a ) ( 1 ) ( A ) THEREFORE I AM REQUESTING FOR TRANSUNION TO DELETE THIS ACCOUNT FROM MY CREDIT FILE.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to address an issue with TransUnion that has significantly impacted my credit score and remains unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion added a remark code to my XXXX XXXX XXXX  on my credit report without any prior notice or explanation. This action caused my credit score to drop by XXXX XXXX, which has greatly affected my financial standing. On the same day, the remark code was removed by TransUnion, yet the significant drop in my credit score remained. 

Steps Taken to Resolve the Issue : 1. On XX/XX/XXXX, I called TransUnion to report this issue and disputed the remark code. During this call, the representative confirmed that a remark code had been added and removed but could not explain why it was added in the first place. 
2. The representative assured me that the dispute investigation would take 30 days to complete. However, the investigation was marked as completed just a few days later, well before the promised timeline. 
3. Upon reviewing the results of the investigation, I noticed that my XXXX XXXX account still included remarks and historical trended data, suggesting that the remark may not have been fully removed. 

Ongoing Concerns : I am still unclear why the remark code was added to my account in the first place. The representative I spoke to was unable to provide an explanation. 
The addition and subsequent removal of the remark code caused a significant and unjustified XXXX drop in my credit score, which has not been restored. 
Despite the dispute, it appears that the remark and its impact on my credit score are still present, as indicated by the results of the investigation and the data on my XXXX XXXX account. 

Desired Resolution : I am requesting the following actions to resolve this matter : 1. Immediate removal of any remaining remarks or data related to this incident from my XXXX XXXX account on my credit report. 
2. Full restoration of my credit score to its original level before the remark code was added.

3. A clear explanation as to why this remark code was added in the first place and assurance that this will not happen again. 

This situation has caused significant stress and financial inconvenience, and I am seeking your assistance to resolve it as quickly as possible. 

Thank you for your attention to 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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App indicated through its platform that deposited funds would be available within four business days. However, upon contacting customer service, I was informed that the timeline is actually 4-8 business days. This discrepancy caused financial hardship as I planned transactions based on the originally promised timeline. Such contradictory information constitutes misleading practices under the principles of the Federal Trade Commission Act. Additionally, while Regulation CC primarily governs traditional financial institutions, I believe Cash App 's fund availability disclosures should align with the transparency required of financial service providers under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: CA

Complaint narrative:
On XX/XX/year> I made an initial attempt to send a certified letter to Starmark Financial, requesting validation of the information associated with the account. On XX/XX/year>, I received a response from Starmark Financial. Subsequently, I emailed XXXX, XXXX ( the original account holder ), and copied Starmark Financial in the correspondence, including screenshots of the credit application containing inaccurate information. 
Following this, I accessed a credit portal to formally dispute the collection charge appearing on my credit report. listed below Dispute 1 * Source of dispute information : Starmark Financial * Type of disputed information : Unknown credit account * Details of the Dispute : 1. Incorrect Date of Birth : The date of birth listed on the account does not match mine. Upon requesting proof from Starmark Financial, they intentionally blacked out my date of birth. 
2. Incorrect Email address : The email address linked to the account does not belong to me and does not represent my contact information.

3. Unauthorized Signature : The signature on the credit application is not mine. There is no proof of wet ink signature, just an electronic signature.

4. Incorrect Address : The address associated with this account is an old address of mine, but I was not residing there at the time the account was opened.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, 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 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been trying to negotiate a loan modification, a short pay for the second since XXXX. They tell me they want XXXX for my second that was originally XXXX. For a loan modification they want XXXX down and never said how much a month after that. I do not have the means to pay that. I have offered XXXX which was the original amount of the loan and was literally laughed at on the phone. My husband passed away and I am on a limited income and would like to retain my home. I have tried talking to this company that took over my loans in XXXX of XXXX. They are rude and refuse to help me.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXXXXXX XXXX XXXXXXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( TransUnion ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( TransUnion ), Closed due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXXXXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards XXXX TransUnion XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by XXXX XXXX ( TransUnion ), XXXX due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address. Please refer to the attached copy of my credit report, where the highlighted errors can be found. The following items are incorrect : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  District of Columbia XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted. As per 15 U.S.C. Sec. 1681i ( a ), I kindly request that this reinvestigation be completed within 30 days of receiving this letter. 
Thank you for your attention to this matter. 
Sincerely, ______________________________________ 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 2024-12-05 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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

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