vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding the handling of my account related to the deposit of a {$35000.00} insurance check, deposited on XX/XX/year>. TD banks decision to hold these funds until XX/XX/year> has caused significant financial hardship and a breach of contract on there part. 

The funds were intended for payment to a contractor for services rendered. However, TD Banks negligence in recalling the payment from the contractor on the basis of fraudulent claimsclaims which have been proven to be falsehas caused a considerable delay and interruption in my project. The funds were wrongfully withheld for an excessive amount of time ( 256 days ) despite the claims of fraudulent activities. Throughout this excessively lengthy process the money was still in TD Bank account. Giving no indication of reasonable cause to recall the money from the contractor to begin with. This decision caused irreparable financial and contractual damages, preventing me from completing critical tasks and honoring agreements with third parties.

I request that TD Bank provides a detailed explanation for this mishandling of my funds, If not I will have to explore seeking legal compensation for the financial consequences incurred as a result of this failure, including but not limited to penalties I have been subjected to for breach of contract with my contractor.

Your urgent attention to this matter is required, or I will be forced to explore alternative courses of action, including escalating the matter to relevant financial regulatory authorities. 

I trust that TD Bank values its customers and will take the necessary steps to resolve this issue in a timely and professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I am filling FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened are XXXX XXXX XXXX {$2500.00} on XX/XX/year> on XX/XX/year> COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-22 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: OK

Complaint narrative:
I have repeatedly tried to resolve the issue of fraudulent inquiries on my consumer report, which are not linked to me and for which I am not responsible. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have to consider legal action if this matter isnt resolved. These inaccuracies have hindered my ability to purchase my dream home and provide for my family, severely impacting my financial well-being. For your reference, Ive attached a copy of my letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.

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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-22 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-22 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: VA

Complaint narrative:
I recently filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating they believe the disputes are coming from a third party, which is not true. Despite my efforts to verify my identity through a phone call, they still refused to process my disputes. 

Im frustrated, as I spent money mailing my disputes and provided personal information to verify my identity, only for them not to conduct a thorough investigation. I have attached the letter, relevant documents, my identity theft report, and the Power of Attorney. Please delete all the accounts mentioned in my letter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-22 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 am filling FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX {$400.00} on XXXX XXXX BAD NAMES : XXXX XXXX XXXX XXXX XXXX XXXX BAD ADSRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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 a separate complaint filed with Equifax. 

XXXX XXXX, XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX  opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( account number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts have resulted in several fraudulent collections, late payments, and inaccurate information appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and late payments are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: VA

Complaint narrative:
I recently filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating they believe the disputes are coming from a third party, which is not true. Despite my efforts to verify my identity through a phone call, they still refused to process my disputes. 

Im frustrated, as I spent money mailing my disputes and provided personal information to verify my identity, only for them not to conduct a thorough investigation. I have attached the letter, relevant documents, my identity theft report, and the Power of Attorney. Please delete all the accounts mentioned in my letter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have sent a validation letter to XXXX XXXX to validate debt and provide me with agreement that I owe them the alleged collection. - This was over 40 days ago, and I have also enclosed the return receipt showing the signed for my letter. 
I have received no response, and Its still reporting on my credit report. 

ALSO they are in violation of the FDCPA : Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Complaint against NewRez dba Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation who on XX/XX/XXXX hired Specialized Loan Servicing , LLC to collect from me ; who authorized transfer of servicing and from whom this servicing was transferred. [ who was the prior servicer ] On XX/XX/XXXX I received AI-generated runaround telling me that Specialized Loan Servicing ( SLS ), was my prior mortgage servicer to whom SOMEONE - unknown to me- allegedly transferred " servicing '' to collect from me money for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

The letter " from Shellpoint/NewRez [ faux companies owned by XXXX XXXX XXXXXXXX via its hedge fund XXXX XXXX ] failed to disclose who hired Specialized Loan Services , LLC and who authorized SLS to collect from me. 

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. On XX/XX/XXXX SLS sent me AI-generated unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/XXXX. This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a wet-ink signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.

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 2024-10-22 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: TX

Complaint narrative:
I am filling FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that XXXX XXXX  activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-22 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have no idea when all this started to get linked with my account or information I would like a better understanding idk If this has to do with identity fraud but Id like to get clear understanding what going on my number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX ca

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 2024-10-22 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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