vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IL

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX. A payment agreement of 48 months in the amount of {$15.00} was entered on XX/XX/XXXX. 
XXXX. Payments were to begin on XX/XX/XXXX however Target charged off the account on XX/XX/XXXX and placed the account for collections with XXXX XXXX, XXXX. 
XXXX. Written dispute of any and all amounts in collections with the demand for an accurate accounting, zeroing the account due to the error and removing all negative credit reporting was received via certified mail by Target on XX/XX/XXXX. 
XXXX. By law, as per the Fair Credit Billing Act, there are several steps they must follow to resolve this matter within 90 days. 
a ) They must respond with 30 days stating they received the dispute and or if they have corrected the error. 
b ) Within 90 days, they must correct the error or explain why they believe there is none. 
c ) They can not try to collect the amount in question or report it as delinquent. 
d ) If a mistake has been made, the amount in question or any interest or fees related to the amount will not have to be paid. 
XXXX. On XX/XX/XXXX, Target sent a letter simply apologizing for the previous issues and stating they " tried contacting you by phone and left voicemails ( there are no voicemails ) to resolve this matter '' XXXX. As of this date, Target has failed to provide any documentation as it pertains to the above requirements. Additionally, they sent a statement for the full amount due and none of their departments are able to assist regarding the matter when advised to call by their client XXXX XXXX, XXXX or the numbers provided in their recent correspondences.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this 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 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: TX

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My name is XXXX XXXX. I am writing in regards to my previous property at XXXX XXXX XXXX XXXX XXXX AZ XXXX. My property was being foreclosed on in XXXX. I was not offered a loan modification or any help when the housing market crashed. I was told I would be receiving {$3000.00} this did not occur. My question is why did they not pay these monies owed? I will attach documentation. 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 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an account with TD Bank three weeks after the account was opened, I deposited cash into my account at one of there XXXX XXXX 's. The same day or the day after my cash deposit. Approximately {$7000.00} in fraudulent checks were deposited at the same branch location. I was informed by TD bank employees at there XXXX location were I opened the account, that my account was closed and TD Bank would no longer allow me to bank with them in the future. I found this odd, seeing how I was the victim of fraud do to a breach of the banks security. I have visited TD Bank many times asking for my money and or information on my closed account and have been told that there have been attempts to contact TD 's fraud department by email which has been met with no reply and that it isn't anything that can be don about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
XXXX was reported owed to XXXX XXXX which I have no idea who or what that is

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: 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: NY

Complaint narrative:
Despite my efforts, I've had no success disputing these issues. Enclosed is the letter I sent to the credit bureaus. Your firm 's response categorized my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to clarify that I do not view a matter of such importance lightly. If you do not address my original request to verify the items mentioned in my previous certified mail, I will escalate the matter to the Federal Trade Commission. I urge you to reinvestigate the following information and provide proof of the alleged item, including any contract, note, or other instrument bearing my signature. If such evidence can not be provided, I request the immediate deletion of these items from my report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX I Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to these inquiries and have strong suspicions of fraudulence. I urge you to conduct a comprehensive investigation and expeditiously remove them from my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion as of the date XX/XX/XXXX requested that I pay them XXXX to receive a copy of my credit report. While I am trying to gain access to my credit report online, I don't have access to my credit report at all. Transunion is refusing to update my credit report to match my XXXX report which is the only accurate report I have. 

This is a complete violation of the CARES Act to make me pay for my credit report and the CARES Act allows me to receive my credit report for free every 7 business days. Also, it is the responsibility of the Agency to make sure that the credit reports are updated and accurate every 45 days. My credit report has not been updated and accurate since XX/XX/XXXX. This is a complete violation of FCRA! 


I HAVE SENT MULTIPLE LETTERS TO TRANSUNION WITH MY ADDRESS, SOCIAL SECURITY NUMBER AND MY DRIVER 'S LICENSE. USE THAT INFORMATION TO VERIFY MY IDENTITY.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft. 

accounts to be removed : XXXX XXXX Last reported XX/XX/XXXX {$330.00} Open balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$590.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1600.00} Open balance XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX {$7400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor inquiries to be removed : XXXX  ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft. 

accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The inquiries were not initiated by me and I firmly believe they are fraudulent. I request a thorough investigation and immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Since XX/XX/XXXX about XXXX  XXXX, I have not been able to get my account information as it displays an error. I can login successfully but Ally can not display my account information ( balances, etc ). I have called 3 times and no one has any idea when itll be fixed. All XXXX told is that its being worked on. Thats unacceptable for an online only bank to be unable to access my funds for 3 days online.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not give consent for these inquiries and firmly suspect they are fraudulent. I request a comprehensive investigation and swift removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was advised by a XXXX rep to fill out this report because of unauthorized fraudulent inquiries in my report, please remove all these Unauthorized inquiries on my report.XXXXXXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXXate of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
They upheld the PSLF payment total not being met in my previous complaint, ok no big deal. On XX/XX/XXXX I got a letter via email that my account was now placed in forebearance, I never requested this and I have not gotten any clarification as to why this was done. I was placed in Exceptional Discretionary Forbearance with no notice or explanation. I am concerned at how my federal student loans are being handled by Mohela and afraid that this is going to negatively impact me in the long run when its not something I requested at all. I feel that Mohela has not provided enough sufficient information, accurate information even with regards to my previous complaint, where they didn't inform me accurately of what was needed just kept asking for more and more information until I filed a complaint with you and then and only then was I provided a definitive answer. I am significantly concerned about them handling my loans and placing them into status 's with no reasoning without my approval or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I received a notification from RFGI Rozlin Financial Group that they were attempting to collect a debt I allegedly owed XXXX  of XXXX. In response I called XXXX XXXX account mgr. and told her that I never was involved with XXXX, that apparently someone attempted to use my identity to create a profile on XXXX, a dating site, and charged the fees to my credit card. There were other fraudulent charges on my card as well. When I noticed the fraudulent charges I shutdown the credit card and the credit card issuer denied payments These charges have all been resolved, however ; XXXX refused to cooperate even though they were notified within 48 hrs of the charge being made and even though I've never used their " service ''. I attempted to explain situation to XXXX representatives on more than one occasion and they were unresponsive. Now it seems obvious that they've " sold '' this debt to RFGI. XXXX XXXX, their representative instructed me to file a report with IdentityTheft. gov however I've been utterly unable to effectively do so on that platform as it won't allow me to sign in. Besides I doubt that identity theft is really the best description of what actually happened. Someone attempted to use my identity to their own ends on this XXXX  site, apparently, but that's not my problem. My problem is they stole my credit card info to pay for it. I don't even know if a dating profile claiming to be me was ever posted because I never went to the XXXX  site.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation