vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my credit score over XXXX points on all 3 credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Collections Inc
State: ND

Complaint narrative:
I was in contact with the company for over a year and have had my wages garnished for about the last XXXX  months. I recently switched jobs and since I had been paying on the garnishment for so long asked if I could make payment arrangements in the amount of XXXX dollars a month after switching jobs because of other dependants and the pay cut I was taking I couldn't afford to pay a quarter of my checks anymore. The last XXXX  months I had gone in and made my XXXX dollar payment and the XXXX of XXXX they started garnishing my wages after agreeing they wouldn't. So right before XXXX I find out on my payday. That my checks been garnished even though I have made my payments and was still going to be paying the XXXX in XXXX. So I called them to ask what was going on and they agreed and said that I had been paying it then lied and told me XXXX  had been trying to reach out to me in XXXX which she never called or left any messages at all on my phone. But he then said that since she couldn't get in touch with me that they put the order to garnish through again. But why would they do that and put the order through in XXXX when I had just made a payment on the XXXX or so of XXXX. Then they told me I still have a debt of XXXX dollars when last time I paid in XXXX I got a receipt from them saying that the total amount I owed was XXXX dollars I believe but can provide a copy of. They then told me that that was for a different debt. I have since requested all the paperwork on the debts and who they were to and records of all the payments I've made with the all the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number ( xxx-xxx-xxxx ). 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number ( xxx-xxx-xxxx ). 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt 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 2023-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX through my online banking portal, I requested that {$5000.00} be transferred on XX/XX/XXXX from my Barclays Savings account to my XXXX  Checking account. I received an email confirmation of this request ( attached below ) and on XX/XX/XXXX, {$5000.00} was debited from my Barclays savings account. However, it was never credited to my XXXX checking account. Instead on XX/XX/XXXX Barclays initiated a transfer FROM my XXXX checking account of {$5000.00}. I was out of the country without access to the internet until XX/XX/XXXX. Upon my return, I discovered the problem. I contacted Barclays bank on XX/XX/1919 and XXXX and was told each time that they made an " urgent '' request to research what happened. Barclays has removed a total of {$10000.00} from two of my bank accounts and they don't appear to know what happened to the money. I still don't have access to that money and it has been 12 days since the first debit from my account occurred. I have made 7 calls to the customer service line and they have refused to allow me to speak to a manager. I have been told three days in a row that someone would call me and they have not.

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 2023-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have an existing line of credit account that I've had at PNC bank since XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XX/XX/XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( s ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case Manager yesterday XX/XX/XXXX who demanded to know " what I wanted. '' I also told the Case Manager I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare XXXX was my mortgage servicer. Both my wife and I were laid off in XXXX and XX/XX/2023. We asked Loancare for Forbearance. After a battle with the front line team the department manager XXXX XXXX agreed and suppressed the credit reporting. The agreement was that at the end of the 3 months the interest and principle payments the were part of forbearance would be deferred to the end of the loan and escrow would be added to my payments spread over 4 years. 

Toward the end of that period I received notice that my loan was going to be transferred to XXXX XXXX. I communicated with XXXX XXXX and he assured me that the deferment would be completed before the loan was transferred so that my account would be current and not on forbearance with XXXX. They lied. 

Now XXXX shows me as XXXX+ months overdue! This risks my credit and financial stability. All of this happened over the course of dozens of emails, phone calls and messages to LoanCare executives through XXXX. 

These are deceptive trade practices and flagrant falsifications of information and failures to perform the basic tasks promised and agreed to.

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 2023-12-20 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
XXXX5 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la 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 2023-12-20 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: OneMain Finance Corporation
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours.

15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted XXXX XXXX data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX, is crucial. I kindly request that you handle this matter with the utmost care and diligence.

Company response to consumer: Closed with non-monetary relief