vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a problem with TransUnion, the word of all three. 
I never have problems logging into XXXX or XXXX. But TransUnion iss FOREVER a problem. I keep my password safe, yet, if I got to check like I did today, I can not log in. 

I don't know why, it just says invalid password. That is XXXX. I did not change anything. I know when I change my passwords because I date them and for these C reports I keep them together same place no one has access. 

But TransUnion seems like it is trying to extort people into paying for the paid XXXX XXXX. I NEVER has XXXX 's score, you ALWAY have to pay for the score, which I don't do but once a year, and then you have to re-set the password. Of course. Today i put in my SS number to reset like i have before but of course the inept TU did not recognize my password. Over and over and over and I got a live person on the chat, but XXXX could not figure it out either. I was on the right site. I was on the right page. This company just needs to go. It does nothing constructive just shakes people down for money. 
XXXX also makes the site confusing the URL so they can be confusing to people who probably end up paying for a membership.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In accordance with the XXXX 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act POSSIBLE 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 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 has violated my rights. 

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 an 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 then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sklar Law LLC
State: NJ

Complaint narrative:
I got a letter in the mail saying I owed y'all {$7000.00} and I don't this is not my debt the reference number is XXXX and the date is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I bought a new construction home in XXXX XXXX XXXX  XX/XX/XXXX. When the XXXX, property tax for the home was applied, I was in arrears of {$2600.00}. I understand that I owe Lakeview Loan Servicing , LLC that money as they paid the tax. However, my dispute is the cushion they applied to my balance. They applied {$2700.00} which brought up my balance to {$5300.00}. Marked you, my escrow also went up from {$310.00} to {$610.00}. So now the total increase in my mortgage payment is from {$1300.00} to {$1800.00} because I took the XXXX payment plan to pay off the {$5300.00}. 
I have an issue with the cushion, I understand that Federal Law states there needs to be a cushion but from my reading, it states XXXX escrow. {$2700.00} is much more than 2 months ' escrow and even worse when I spoke to a representative yesterday, XX/XX/XXXX, she told me that the Federal Law states that the cushion is {$2300.00}. XXXX I get some help in this matter, please? I am having a hard time making this monthly payment. 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: NH

Complaint narrative:
BMO took over an account from Bank of the West for a RV loan. They reported missed payments to the credit bureaus. They reported a new loan rather than a transfer. Both are inaccurate information and affected the credit score. I have proof that all payments were made on time.

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 2023-12-16 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: NY

Complaint narrative:
Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXXXXXX XXXX on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : XXXX. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
XXXX. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
XXXX. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : XXXX. The complete and permanent removal of this unvalidated debt from my credit report. 
XXXX. Written confirmation of the debts removal and an updated copy of my credit report upon completion. 
Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.

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 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My student loan payment is due on XX/XX/23. Today is XX/XX/23 ; when I attempt to make the payment, I am unable to select todays date as the submission, forcing me to select the XXXX, but then the system states it would be a late payment and would be charged a late payment fee. Any attempt to make my payment is rejected even when I did select the XXXX. 

Essentially, they won't accept my payment because it's a weekend even though their online system is meant to be XXXX service. The bill should be in submission and marked as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; 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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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, has violated my rights. 

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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Equifax. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 TD credit card charged my checking three times the amount due total amount is {$8200.00}. I called TD credit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was told each time that I had to wait XXXX to XXXX business days, today is the XXXX business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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: NY

Complaint narrative:
Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXX am on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : 1. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
2. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
3. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : 1. The complete and permanent removal of this unvalidated debt from my credit report.

2. Written confirmation of the debts removal and an updated copy of my credit report upon completion.

Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER 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 All Inquires need to be removed and this has violated my rights. 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-12-16 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: WV

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
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 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 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Background : I have been a loyal customer of Cash App since XXXX. I have used the service for paying and receiving funds from family and friends. 
Early XX/XX/XXXX, I used the service to transfer crypto payments locally and internationally. 

The issues : 1- some of my XXXX payments in XXXX and XXXX were unknowingly and unfortunately to website scammers that resulted in loosing my funds 2- it seems that Cash App knows about those websites and didnt warn me to not pay 3- late XX/XX/XXXX Cash App suddenly closed my account without notifying me 4- on early XXXX, I tried to use the app and digitally was told that my account was closed 5- I contacted customer service 4 times to ask for a reason to close my account and was told that they will email me of the resolution 6- however I havent received a single email or an answer to my account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 non-monetary relief