vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XX/XX/XXXX [ Approximately ], I called Bank Of America [ Texas } per XXXX about questionable transaction in ordering some products. I was told to cancel that card and she would put in for another to replace that one in case someone may have used my card. When she put through the application, she applied for another type of card different from the XXXX XXXX card I had. I was told to wait for XXXX hrs. for approval to show, for the computers was acting??????, then check and I would see that the application went through. XXXX hrs. later, no approval, XXXX hrs., still no approval. I called back, told to go into an office and it will be straightened out. I went XX/XX/XXXX, was told card will come in the mail in XXXX weeks, teller refused to give little over {$7.00} I asked for from Federal Income tax check I was depositing, must hold it for several days [ not sure how long ]. XXXX days letter came in the mail, card refused unless I take freeze [ they advised I put on acct. in XXXX due card being compromised 3 times ] off at credit report companies. I refused, had this card about XXXX yrs and no late payments with BOA. I made many giant charges, but paid, IRA acct with them, checking acct., and small savings acct also. I was told they would compensate me for wrong and inconvenience caused me and I would get card back, up until XX/XX/XXXX I was not told the truth, but a Rep. [ NY ] said I would not get a card unless I took freeze off. It took a year to learn I will not be given another card, too much time has lapsed. I am and have been ill, but did all they asked, I want my card back. There is more to the complaint, but this is most important.

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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX for TD bank calls 4-7 times per day. Sometimes they call before XXXX. Last Friday XXXX they called at XXXX XXXX. Today XX/XX/14 they called my mother who they are not authorized to call at XXXX XXXX. I was on a forbearance plan with TD bank and not suppose to be turned over to collections. I dont not want them to reach out to my employer or family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
the addresses on my credit report are not my addresses these addesses is not mailable # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the addresses on my credit report are not my addresses these addesses is not mailable # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX il 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 2024-03-14 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:
Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.AccounXXXX Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.

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 2024-03-14 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: CA

Complaint narrative:
Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.Account Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/24 - received txt message XXXX, email and a call from XXXX XXXX XXXX ( XXXX ) regarding a fraud Alert. 
XX/XX/24 - logged in to my account via the web and changed my password, no notifications or messages showing up. 
XX/XX/24 - Called XXXX, phone number on the credit card for assistance. Spoke with XXXX- she would not assist. Wanted a verification webcam with a copy of my id ( exposing my picture and id to the web ) and if not willing, send a letter via mail and expected me to send back a copy of my id via mail ( this is a 2nd method that exposes me to further fraud ). No other options were provided - refused to assist. 
XX/XX/24 - received txt message from XXXX again XX/XX/24 - Contacted Lowe's/Synchrony - Talked to 3 different individuals- still offer no solutions that will not expose me further to fraud. 
XX/XX/24 - Contacted XXXX  - XXXX, spoke with 3 different individuals, was able to assist with setting up alert, reported address as fraud, freezing my credit and pointing me to report to FTC.gov and your site CFPB. 
XX/XX/24 - Reported to FTC.gov - Report 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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc.
State: SC

Complaint narrative:
I filed a complaint with the XXXX  and the SC Consumer Affairs Department on XX/XX/24 in regards to Midwest Loan Services and my mortgage payments going up more than the total of my taxes and insurance. They responded back to me with a letter on XX/XX/24 stating that they were within their rights to take a 2 month cushion for my taxes and insurance due to the RESPA law. They advice me that I could request for my taxes and insurance not to be escrowed if my loan to value was below 80 %. I requested to pay my own taxes and insurance and was denied. They said per XXXX XXXX regulations, they have to go by the value at origination. My loan to value is well below 80 % per their estimated value, XXXX, and XXXX. I can also get an appraisal that I'm sure would come in well above my loan payoff. I won't to pay my own taxes and insurance, because I'm well within my rights with an ltv less than 80 %. Please help me, this is simply unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
account name XXXX account number # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau impose the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter 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 non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : 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 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information XXXX have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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 absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am a victim of identity theft. 

I received a debt collection letter from Transworld Systems Inc. dated XX/XX/2024. 
It stated I owed {$680.00} to XXXX XXXX. I am in the process of disputing this claim. 

During my review of my credit report, Transworld Systems Inc. placed a Potentially Negative charge on my credit report. The amount owed is {$480.00}. I was informed that this amount was owed to XXXX XXXX XXXX. 

At no time did I receive any communication from Transworld Systems Inc. regarding this debt, which is not mine. The charge was placed this on my credit report without any notice and without the opportunity to dispute this charge.

Company response to consumer: Closed with explanation