vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXXThe information listed below, which appears on my credit report, is the result of that XXXX  : HARD INQUIRIES : XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the FCRA.

Please send me notification of the actions taken.

I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. 
I greatly appreciate your prompt expedited action to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Barclays US Credit Card. They stated that the interest rate offer that I signed up for only applied to transfers. I re-looked up the offer that I had signed up for around XX/XX/XXXX and it is not clear to me that the offer only applied to transfers. 

Offer states : 0 % Promo APR 18.74 % variable APR after XX/XX/XXXX 4 % Promo Balance Transfer Fee ( {$5.00} minimum ) 0 % APR until XX/XX/XXXX, after that 18.74 % variable 4 % Balance Transfer Fee ( {$5.00} minimum/no maximum ) Transaction must post to your account by XX/XX/XXXX Offer expires in 25 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: IL

Complaint narrative:
1. I recieved a notice of sale of property from the county due to unpaid property tax.

2. I contacted the PNC bank, who holds my mortgage ( which has an escrow acct ). 
3 After repeated attempts at explaining and continuous reassurance that they would resolve it, I recieved a letter claiming they ( PNC ) had resolved the issue and spoken to the " tax authority '', and I was no longer in arrears.

4. I contacted the county treasurer. They have no knowledge of it being resolved and say that I am still in arrears, 9 days after PNC claims to have paid it and resolved it.

5. There is approximately 2 weeks bf this sale happens and PNC still stonewalls me and claims it is fixed, meanwhile the county says otherwise.

5. Other than the letter saying it is resolved, they will provide no proof of this or any real verification. They registered a complaint on my behalf. I recieved an email from them but a complaint does not seem to resolve the issue. But seem to put barriers and obstacles in the way that delay any real resolution. 
Either way the property is to be sold for delinquent tax due to the actions, inactions and apparent false claim of actions ( to resolve the issue ) of PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
I am submitting this complaint regarding a concerning interaction I had with a debt collection agency. On XX/XX/year>, I contacted Collection at Law , Inc. to discuss a claim they had filed against me. 

During the call, I spoke with XXXX XXXX, XXXX. ( XXXX XXXX XXXX. XXXX ) insisted that I provide my full Social Security number before he would speak to me about the claim, although he stated that he is looking at the claim as we were speaking, this clearly indicates he did not need any information from me to see the case information. I expressed my discomfort and asked if there was an alternative method to verify my identity, such as the case number to the claim Collection at Law, Inc. filed against me in the County of XXXXXXXX XXXX, but they refused to proceed without my full SSN stating that the case number was public information and would not suffice. Feeling pressured and intimidated due to the court action they have taken against me and with no other option presented, I reluctantly provided the information. 

I was also not informed until after I gave my personal information, that the information would be used to collect a debt. 

I believe this practice is excessive, inappropriate, and a violation of the Fair Debt Collection Practices Act ( FDCPA ), as it placed undue pressure on me and created significant concern about the safety and privacy of my sensitive personal information. 

I am requesting that the CFPB investigate this incident and ensure that this debt collection agency adheres to proper verification procedures without compelling consumers to disclose their full Social Security numbers. I believe XXXX XXXX, XXXX. pressured me for this information so he may use it against me in their debt claim against me. 

I also have information of this original debt being charged off by the original bank who held the account. Collection at Law , Inc. is attempting to collect a debt that has already been charged off by the original agreement holder of the account. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MOHELA
State: MO

Complaint narrative:
My student loan servicer is Mohela. I have been on an income-based repayment plan, which normally requires income recertification each year. In XXXX of XXXX, President Trump enacted the CARES act and paused all student loan payments, set the interest rate at zero percent, and stopped the requirement for yearly income recertification. This pause was extended several times, but before ultimately being extended the student loan servicers sent out notifications that in preparation for payments to recomence that it we needed to recertify our incomes. Following my student loan servicers instructions I did this and my student loan payment increased from {$640.00} to {$2800.00}. After I did this the pause, was extended yet again and once again the requirement to recertify income was also pushed back to a future date. I repeatedly called and contacte Mohela via hard mail and electronic messages and attempted to deactivate my income disclosure that had resulted in this higher payment. Unfortunately the payment pause ended on payment began in XXXX of XXXX. I paid {$2800.00} each month from XX/XX/XXXX to XXXX of XXXX. Ultimately, my case DID get made and Mohela finally deactivated my income disclosure and my payments then reverted to the proper amount at {$640.00}. After this was done I requested a refund on the difference for the 6 months that I overpaid. I did this over the phone and in electronic messages 4 times total. This was my message to them : I am requesting an update on the progress of my refunds for my overpayments during the following periods : XXXX, XXXX, and XXXX of XXXX XXXX, XXXX, and XXXX of XXXX I paid {$2800.00} for each of these months, and the payments should've been {$640.00}. So I am due 6 refunds of {$2200.00} for a total of {$13000.00}. 

This was their response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. As of this writing our records indicate a refund could not be processed because the bill was satisfied which will cause delinquency on your account. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX XXXX 
Thank you, MOHELA They have refused to refund me for these months that I have overpaid because they say " too bad that was the bill and you paid it and if we refund you, you're account would be delinquent. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I secured a mortgage with Truist Bank that was signed in XX/XX/XXXX. The first payment was to begin in XX/XX/XXXX in the amount of {$9100.00}. I had consistently made the monthly payment for 13 months. The payments were made automatically ( auto-pay ) as arranged with the bank. 

In XX/XX/XXXX, the monthly payment increased from {$9100.00} to {$12000.00}. I was not adequately notified of the significant payment increase, and since my account was set up as auto-pay with the bank, the payment for XXXX XXXX was not processed. I received no phone calls, emails, or mails concerning this. Any mail sent should have been at least been a certified mail since this is significant financial information. 

Truist bank reported me to all three credit bureaus for late payment and my near perfect credit score plummeted. 

I had called Truist Bank to resolve this issue, but they insisted it was my fault. Now, I'm left with a blemish on my report that can significantly affect my future financial dealings. 

Looking at my perfect payment history, I would like the late payment error for XX/XX/XXXX removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TN

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/year>, I have sent several written requests that have all inaccurate information removed from my credit report. Not now nor ever have I granted permission to have my report shared with anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AR

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AR

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent out debt validation letters and still have not received any information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
My credit report contains information with consistent inaccuracy. I believe these are wrongfully listed or added on my report and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief