vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Denefits LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need contract : XXXX to be removed off my credit reports for all 3 credit bureaus and for my mom XXXX XXXX credit report to be removed off my credit report for all 3 credit reports bureaus I need the account to be removed off the credit bureaus for all 3 bureaus etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
on XXXX XX/XX/XXXX I opened a cd with Goldman Sachs XXXX, it has been a problem ever since. this was a penalty cd opened at 5.15 % for 12 months. on XXXX XXXX, they charged me back up withholding when I am not subject to back up withholding. I have called them numerous times to request this be stopped. I have spoken to so many rude nasty people that won't help me and they keep saying they can not authenticate me. I have been banking for XXXX years and have never come across this problem. for two weeks now I have been trying to authenticate me. They continually tell me that I am not verified. They have locked me out of my account repeatedly and won't help me. I had to get a signature card to terminate the backup withholding. that took 6 days. then they sent me a letter dated XXXX XX/XX/year>, that if I suffered hurricane damage from hurricane XXXX, that I could release the cd with no penalty. I am still locked out and can not get anything done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I made a transfer from my checking account to my mortgage of {$14000.00} on XX/XX/XXXX. My mortgage number is XXXX. I wrote an email to a XXXX  representative after noticing that the funds were not applied. I wrote the following to XXXX XXXX on XX/XX/XXXX : XXXX, I made a {$14000.00} transfer to my mortgage account XXXX on XX/XX/XXXX. 

I would like {$6000.00} applied to the mortgage payment due, I would like the balance or {$7900.00} applied to principal. 

I saw the funds are sitting unapplied as a miscellaneous receipt. 

XXXX XXXX Later the funds were improperly applied to XXXX and XXXX payments. 

The process to pay additional principal is unclear and inconsistent. I regularly pay extra to reduce my principal and its commonly applied correctly. Every few months it is incorrectly applied. There are no instructions or clear process for me to follow to pay principal at TD Bank. I am shocked this process doesnt exist and that its not clear on the online access portal. 

In addition, communication to discuss this matter is also poor. If it were possible to speak with someone directly or have a return call that would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: VA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
disputed these errors multiple times and they still claim as accurate and unchanged on my credit report. experian and the company are still in violation of the fair credit act! i demand legal compensation, they had the options to take care of this manner and have failed to do so! they have reported negative information stating late payments and showing a {$0.00} balance!!!! this has damaged my consumer credit report and dropped and still affecting my credit scores!

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
**Yes, credit report companies can frustrate interstate commerce. ** Here 's how : 1. **Inconsistent Standards : ** Different credit reporting agencies may have varying standards for reporting and scoring credit information. This inconsistency can make it difficult for businesses operating across state lines to accurately assess creditworthiness.

2. **Data Accuracy Issues : ** Errors in credit reports can negatively impact individuals and businesses, leading to difficulties in obtaining loans, financing, or even employment. These errors can be time-consuming to correct, especially when dealing with multiple credit reporting agencies.

3. **Limited Access to Credit : ** Individuals and businesses in certain regions, particularly rural areas, may have limited access to credit due to factors like lack of local lenders or reliance on credit reporting agencies that are less familiar with their specific circumstances. 
XXXX. **Excessive Fees : ** Some credit reporting agencies charge fees for accessing credit reports or correcting errors, which can be a financial burden for individuals and businesses, especially those operating on a tight budget. 

These factors can hinder the smooth flow of goods, services, and capital across state lines, ultimately impacting the overall health of the economy. To address these issues, various regulations and initiatives have been implemented, such as the Fair Credit Reporting Act, which provides consumers with certain rights regarding their 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 2024-09-08 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: Self Financial Inc.
State: IN

Complaint narrative:
I am writing this complaint today because on XX/XX/XXXX, I sent Self Financial Inc./LEAD Bank a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXXThere has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, Self Financial Inc./ LEAD Bank , clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to SELF INC., giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with SELF INC., and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has made their online verification system impossible to use to deny showing me my credit report. 

The phone based system intentionally makes it impossible to enter my street address. Also making it impossible for me to request my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I want to do delete all names and addresses from Equifax, XXXX and XXXX  off my credit report they are misspelled and wrong. I would like them to be removed immediately thanks. The only personal information is correct is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
See below ; the events occurred in XXXX : XX/XX/XXXX : I put a check in the mail for approx. $ XXXX USD that was for the IRS. Later in the month, I saw that the check cleared via the Chase app. There was no picture of the check, so I assumed the check cleared to the IRS. 

XX/XX/XXXX : As I was preparing my XXXX taxes, I noticed the check was a mobile deposit to an unknown person into a Chase account. I went to a Chase branch the next day to explain the issue, and I was told by the staff this was fraud and I would get my money back. Two weeks later, I went to Chase again and they escalated this to the fraud department. 

XX/XX/XXXX : Chase said it had been too long from the time the check was cashed to when I reported it. The branch manager agreed this was wrong, and she wrote a letter to the Fraud department but it was denied. The branch manager told me to file a police report and send through to the Fraud department. 

XX/XX/XXXX : I filed a police report, and sent this to Chase along with the supporting documents. The staff at Chase thought I would get my money back, and I assumed the same. The claim was denied, and I was told I would not get a refund.

As per the UCC, this is a forged endorsement and " Under UCC 4-406 ( 4 ), a member has three years from the date the XXXX XXXX  XXXX XXXX his account statement available to notify it of a forged endorsement ( XXXX ) ''. 

If this issue is not resolved, I intent to file a small claims case as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: MT

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. This unauthorized account and 2 inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit 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 non-monetary relief
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2024-09-08 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: MT

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. These 4 inquiries were added without my knowledge or consent and require immediate attention. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: LA

Complaint narrative:
On XX/XX/year> I uploaded to Experian ( XXXX XXXX XXXX - see attached screenshot proof of upload ) my dispute letter with the required identification ( see the attached dispute letter having color copies of : my drivers license, social security card and utility bill ) In it I disputed several inaccurate accounts ( XXXX XXXX XXXX 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/year> I still have not received a response from Experian.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has the worst website of the three credit agencies. Their website is continuously blocking access, making you jump through hopes, or simply fails to work. I am trying to put a credit freeze on our credit reports and Transunions website will not allow access, regardless of the information I provide or how many times I reset the user name and/or password.

Please force Transunion to update their consumer access and make their website work to allow consumers to protect their own information.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am being incorrectly charged a monthly membership fee by Experian, despite having a free membership account. Ive been trying to reach customer service to resolve this issue, but the system is not allowing me to speak with a representative. I would appreciate assistance in addressing this matter with Experian.

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 monetary relief
Consumer complaint received 2024-09-08 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: MN

Complaint narrative:
The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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
Consumer complaint received 2024-09-08 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: MN

Complaint narrative:
The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: NV

Complaint narrative:
XXXX sold me a car I payed on this car for over 2 years and payed it off at this time XXXX waited months before they sent tittle to the car at this time they verified payment and I received the tittle to the car mounths later I sold the car to buy a new car when I did this is when I seen that XXXX XXXX took off my payment history and then say I own them money on car when I payed them off for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
NetCredit XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies

Company response to consumer: Closed with explanation