vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I, XXXX the consumer, called Experian to have inaccurate information removed said they would not be able to change any information with out an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect on my consumer profile that they were reporting without my permission. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Experian as a consumer reporting agency has a duty that they are obligated by Congress, in place to ensure accurate information at all times concerning consumers. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 33 companies. The inaccurate information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts. 
On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why. 
On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason. 
On XX/XX/XXXX, TD opened new savings & credit accounts for us. 
On XX/XX/XXXX, we received checks for all our closed accounts. 
On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ). 

Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts.

2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail.

4. Compensation for the time and troubles we had with our pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This complaint has repeatedly been submitted and Marcus Bank continues to lie to you. 

I urge you to read their response to the first complaint XXXX XXXX XXXX Marcus bank agreed to close the account and send the funds back to the source of funds bank account and with that urged you to close the complaint. 

You closed the complaint but they lied and never sent the funds back. In fact their own rep admitted to me that the account was closed but she has no idea where the funds went!!!! Might I suggest to an account of a bank employee???? We are talking XXXX XXXXXXXX here Now they are telling you some deceptive mumbo jumbo about the power of attorney not being acceptable for some unknown reason. What does that have to do with how many apples grow on an apple tree? 

They already stated they were refunding the source bank account. There is no wiggle room there to play games with documentation not being acceptable or whatever legal eagle truth dodging defense they are using to try to dodge the fact that they did not do what they told you would be done in the original complaint. 

I have taken this complaint to multiple agencies who all send me back to you as the regulator of that lame excuse for a bank. Do I really need to file a lawsuit to get them to follow through on what they specifically agreed to do in the original complaint? 

Perhaps you can recommend a news media outlet that might be able to get the word out about the games this bank is playing and why the banking system itself is not on solid ground? 

Would you please help me with these XXXX  at Marcus Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my other endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I am writing to report an incident of identity theft and a fraudulent cash loan that occurred on XX/XX/XXXX. I recently received information from the company " Advance America '' indicating that someone obtained a cash loan using my name in XXXX, XXXX. 

To provide you with relevant background information, I lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX to XX/XX/XXXX. Following that, I traveled to XXXX and resided there for XXXX months. Since XX/XX/XXXX, I have been living in the XXXX XXXX region at XXXX XXXX XXXX, XXXX, CA XXXX, which is my official address. During this period, I have also spent time in XXXX XXXX for XXXX at XXXX XXXX XXXX University. However, I have not returned to the XXXX XXXX in over a year, except for my graduation in XX/XX/XXXX. 

The fraudulent cash loan made under my name is deeply concerning. The perpetrator provided false information to " Advance America, '' including a fictitious email address and fabricated work details. It is important to note that I have not been employed since XXXX as I am a student. Although they attempted to access my bank account, their guess was incorrect. Furthermore, the individual managed to forge a signature that closely resembled mine, but it is still noticeably dissimilar. Despite the fact that the thieves provided incorrect information, they were still able to obtain the credit in cash. This company did not check my information that i provided last year. I didn't even work this year and the thieves gave something written from a fake job. Also, America Advance did not ask for ID to see if it was me or not. 

Given these circumstances, I am extremely worried that someone may be unlawfully utilizing my personal information to obtain credit or loans without my consent. This incident constitutes identity theft and fraud, and I kindly request your assistance in investigating this matter further. I would appreciate any steps you can take to identify the responsible party and prevent any further misuse of my personal information. 

Additionally, I can provide any other documentation or information that XXXX aid your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: DE

Complaint narrative:
On XX/XX/23 I purchased a vehicle that I finance through Westlake Financial. I placed {$10000.00} cash as a down payment and signed lending paperwork to payback the loan at {$830.00} starting XX/XX/23. I called Westlake Financial on XX/XX/23 to pay my loan payment and they said my account does not exist. The verification department stated that the loan was revoked as of XX/XX/23. I asked for documentation to support their claims and Westlake Financial 's Customer Service Department and Verification Department refused to furnish any information regarding the state of my loan account. I asked to speak with someone in management several times. I was declined, saying that if I don't have an open account, I can not speak with anyone. Westlake Financial also withheld my tags for over a month preventing me from working as my loan was for a work vehicle. I have missed out on over {$25000.00} worth of work because they refused to send me my temporary plates and registration unless I paid for it 2 times. The registration and tags were finally sent on XX/XX/23 after Westlake Financial charged me an additional {$150.00} for my registration and tags that I had previously paid. They are now trying to get me to finance the same vehicle that I have had a loan on for over a month, again at a higher finance charge and omit any payments I have already made, implyiong this is the only way I will get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been an victim of identity theft. I have filled a FTC report and and documentation of this to the XXXX credit bureaus. 

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize. 

In addition the credit bureaus are reporting inaccurate information that do not match across all XXXX bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus. 

the FCRA clearly states the all accurate information must be posted on the reporting from XXXX bureaus. 

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts. 

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus TransUnion, and XXXX who are allowing XXXX XXXX  to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

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