vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to address an issue I encountered with the Target/TD Bank autopay system. In XX/XX/2023, I attempted to sign up for autopay using my main email address, but the system indicated that the email was already linked to an account that was closed last year due to nonuse. I followed the system 's instructions to retrieve my password and set up autopay for my current account. 

However, despite successfully setting up autopay, I received a notice in XX/XX/2023 that my account was past due. After calling Target Red Card, I learned that the autopay I had set up was canceled without my knowledge. I was told that it was linked to the old account that Target previously closed for nonuse and that I needed to manually cancel the old account and link the new one to my email and set up autopay again. The system had canceled my autopay without generating any notification via text, mail, phone call, or otherwise. 

Additionally, I would like to note that I recently moved to a new address and updated my information with Target at that time. It is possible that the system may have been confused by this change, but it would be expected for Target/ TD Bank to have processes in place to ensure that customer information is updated accurately and in a timely manner, especially when dealing with matters that affect people 's credit. 

During the phone calls with Target, the associate I spoke with confirmed that autopay was in fact enrolled for my account. However, I later discovered that the autopay had been canceled without my knowledge or consent. 

Furthermore, it appears that there are issues with closing my old account and not closing the online portion of it, which has caused further confusion and frustration. 
I believe that TD Bank 's handling of this matter may have infringed on several consumer protection laws, including : The Truth in Lending Act, which requires lenders to disclose information about their loan products, including any fees, interest rates, and other terms. 

The Electronic Fund Transfer Act, which regulates electronic fund transfers, including automatic bill payments, and requires banks to investigate and correct errors in a timely manner. 

The Fair Credit Reporting Act, which requires credit reporting agencies and lenders to maintain accurate and up-to-date consumer credit reports. 

I would like to request that TD Bank take immediate action to correct damaging reports on my credit report. 

Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have recently reviewed my credit report and noticed there is an inaccurate item listed on my report. The inaccurate item is listed below : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Unsecured Loan Transferred/Closed I did not authorize this company to create an account or apply for any credit utilizing my name. This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right. I formally request that this fraudulent account be immediately removed from my credit profile.

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 2023-04-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.

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 2023-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-04-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Ive been a comprehensive business customer for 8 years for M & T Banks. On Thursday XX/XX/XXXX our {$500000.00} business line of credit was frozen without advance notice. The businessI received no disclosure. It was converted to a termed loan whose terms have not been shared, despite multiple requests for information ( requested XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Including today ( XX/XX/XXXX ). The first payment is due XX/XX/XXXX. Worst, all of this is due to an internal diligence mistake by which our relationship managers shared inaccurate XXXX performance data. 

M & Ts decision to convert my LOC and freeze access without notice to me had immediate consequences for my business. The lack of disclosure is especially concerning. Vendor invoices and employee healthcare premiums were linked to this account, and charges for both which were posted on XX/XX/XXXX did not clear. 

Pertinent information : XXXX. This business has never missed a payment of any kind - loan, LOC or otherwise- with M & T Bank. 
XXXX. The lack of disclosure or any formal communication has been called a perfect storm by M & T bankers in both a call and email called our lack of communication a " perfect storm '' both attached. 
XXXX. M & T Bank never requested updated XXXX financials prior to freezing the LOC. 
XXXX. M & T Bank cited XXXX years in losses for the freeze ( see attached conversation ). XXXX the business was profitable, {$300000.00} cash positive. XXXX is the only year showing a loss due to capital expenses. 
XXXX. Health of the business : XXXX. Positive balance sheet of {$200.00}, XXXX XXXX. XXXX in Q1 revenue - comparable to XXXX, XXXX and outperforms XXXX- which net {$300000.00} in income. 93 % of which ( historically ) comes in Q4. 
XXXX. Email to CEO ( XX/XX/XXXX ) and head of XXXX explaining major issue. 


Attached please find : XXXX. Initial emails and texts the day of to M & T. General distress outreach. Zero context in M & T responses. Attachments : XX/XX/XXXX comms, day of comms, day of comms XXXX, M & T Text - bank XXXX. 
XXXX. Questions with no response sent XX/XX/XXXX. attachment XXXX questions. 
XXXX. Rejected charges communicated to M & T Bank. Attachment : XXXX email rejected charges XXXX. XX/XX/XXXX First conversation with bank, 4 days after actually freezing LOC. Attachment is too large but conversation is recorded. 
XXXX. XX/XX/XXXX questions sent to bankers and banker asking for our patience and calling our communications a " perfect storrm '' attachment : muscato email m and t bank, XXXX XXXX. XX/XX/XXXX email sent to CEO. Attachment : CEO Email This is still without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Sometime in XXXX  XXXX my Amex account was incorrectly charged for {$1100.00} by XXXX XXXX and I initiated a dispute accordingly for this transaction with Amex. Balance was cleared and everything seemed to be fine. However, today I got an email stating that the account once again has {$1100.00} balance. I no longer have access to online management for this account so I can't verify what actually happened here, but the {$1100.00} balance is incorrect and should be credited. I have attached a screenshot of this email to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2023-04-21 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NJ

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
I was preapproved for a mortgage with New American XXXX on XX/XX/23 or before for a newly built home. The initial appraisal was completed on XX/XX/23 with a set closing day of XX/XX/23. I have sold my previous home, now myself and my XXXX kids are now homeless because New American XXXX didnt have the loan ready on closing day, they arent keeping me informed of the process and now I have sold my current home and they dont have a exact answer on what day I will be closing on my new home. 

I originally withdrew from it because of fear of retaliation, but this company deserves the consequences. 

This is by far the worst, unprofessional, unprepared, and irresponsible company Ive worked with. 

When my agent spoke to XXXX XXXX Friday morning they discussed compensation for my family and the focus to getting this deal funding on Friday XXXX. To no avail that timeline went through the window and the deal has just been funded today XXXX In that time my family XXXX kids had to stay in a hotel room because of issues created by your New American The lender fee in the amount of {$1600.00} because the service they were paying for clearly wasnt completed in a professional and timely manner. On top of both of those things, XXXX should also be willing to compensate for my family pain and suffering which I will leave for you to discuss with company superiors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please take this off. 


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