vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST TD AUTO FINANCE. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

2 YEARS LATER AND TD AUTO JUST REPORTED TO MY XXXX XX/XX/2022 THAT I AM 18 MONTHS LATE YET XXXX AND XXXX XXXX SHOW CLOSED ACCOUNTS. 

ALSO I AM A FINANCE MANAGER AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
In XXXX of this year I logged into GM Fincial to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the Credit bureaus took more than 30 days to complete my 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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
After authenticating my identity over 10 times since XX/XX/2020 with LexisNexis, after waiting over 90 days for corrections to be made to my XXXX Report, Lexis Nexis wrote that it not able to authenticate my information which has been the same for many years. First LexisNexis wrote that I needed to contact the provider of the inaccurate information to have it removed but did not disclose the providers names. Then it wrote that LexisNexis does not make corrections to the XXXX Report. Now it writes that it can not authenticate my identity. LexisNexis took unauthenticated information from all the identity theft accounts and had no problem placing all that inaccurate information on my consumer report and XXXX Report which incorrectly lists XXXX pages of identity thieves as my relatives and/or associates on my report. Since no one signs anything and there is no accountability and with all their incompetence, I do not feel safe resubmitting my personal documents which I already submitted upon my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I sent a letter to TRANSWORLD SYSTEMS INC. asking for : 1.Validation of the debt-that is, the actual account.

2.Verification of a signed invoice.

3.A copy of the contract Binding Both Parties ( You and Them ) in a letter by " certified mail '' so that there is an independent " witness to it having been delivered.

However, according to 15 U.S.C. 1692e,15 U.S.C . 1692d and 15 U.S.C. 1692b Not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indication that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I opened paypal so that i be using it pay my bills,. I used it only XXXX times but later limited me from using it.. I Don't know why that happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Unauthorized credit card opened in my name from Citizens Bank. Which is hurting my credit score an negative credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the Credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the Credit bureaus took more than 30 days to complete my 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 2022-05-13 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XXXX of this year I logged into XXXX XXXX to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,

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 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLIANT CREDIT UNION
State: NM

Complaint narrative:
I mistakenly set up an autodraft for my car payment to XXXX XXXX. Two payments were sent from my account before I realized the error which I quickly corrected, XXXX and XXXX of this year. I contacted my bank, then XXXX. XXXX can not find the money even though I have a prepaid monthly account with them! and XXXX is extremely poor in customer service having spent countless hours on the phone with them. My bank could care less. Most of the people working there give me the same pat answer. They do not have my back. I have no way to escalate the problem. They told me it's on XXXX while XXXX tells me it's my banks ineptitude. The bank I have been with for twenty years refused to cover me. Though it was my error they will not consider that fraud has now entered the picture. So currently, I am out of {$440.00}. I'm not trying to make excuses but since my husband died I have been mistake prone but in banking there is no room for human error or compassion. I get that. I'm not even sure I have placed this complaint in the right category.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE 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 2022-05-13 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE 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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hello, On XX/XX/XXXX I booked a hotel through Chase XXXX XXXX Travel Portal using my Ultimate Rewards points. I booked ( 5 ) nights at a " 4-Star Hotel '' - XXXX XXXX XXXX XXXX - Beachfront Hotel, XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX, XXXX XXXX, XXXX. This stay cost XXXX Chase XXXX Rewards points, with a redemption value of {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX. 

We arrived late in the evening on XX/XX/XXXX after a day of traveling from the United States. When we arrived, the hotel did not look anything like the pictures that were advertised. There was only ( 1 ) person working the front desk and no other employees seemed to be around. We booked a " Beach front bugalow with Jacuzzi '', and were given a key and directions to our room. Once we arrived at the room, the door was closed, but the lock was held together with a screw and able to pushed open without the key. The room was dirty, there was dust and water damage every where, blood stains on the sheets, and the " jacuzzi '' that we paid extra for was just an empty tub on the balcony. There was also no hot water in the room. We called the front desk to no avail, and when I walked down there we were told someone from maintenance would go and check on the hot water, however nothing was ever done. I immediately contacted Chase who said that nothing could be done and to sort it out with the property, however there was no one at the property that could do anything for us. They kept referring us to a manager who never answered the phone. We stayed the night of XX/XX/XXXX at the hotel as we had nowhere else to go that night, and the next day we got up and back a room at an actual 4 star resort further down the beach. The hotel was not willing to give us our money back for the ( 4 ) remaining nights and after countless emails and phone calls with Chase Travel while in XXXX, and also once I arrived back home, my request for a refund was also denied. This hotel was fraudulently advertised and my credit card company that we booked the hotel through would not do anything to help us. I had to spend another additional XXXX XXXX Rewards ( {$1600.00} ) points to book ( 4 ) nights at a different hotel and my planned XXXX XXXX 's XXXX marriage proposal to my fiance was ruined. I have attached the confirmation of my 2nd hotel booking as the last attachment to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In year XXXX, I opened a credit card and checking/saving account at BOA XXXX XXXX XXXXXXXX XXXX in the US. I had my first job in XXXX XXXX in US and is on XXXX XXXX since XXXX. 

I have used XXXXXXXX XXXX my primary bank, so I did not keep a large amount of money in BOA. 

Sometime in XXXX, BOA closed my saving account without notice and my autopay for the credit card was setup on that account. So though my checking account still holds XXXX dollars, I was late for a credit card payment of XXXX dollars for 3 months in a roll without any paper notice/text alert. There was 2 emails in my old mailbox in XXXX and XXXX, but unfortunately it was filled with spams and I don't check them regularly. 

This has resulted my credit score to go down from XXXX to XXXX, also results in my credit card getting closed without redeeming the cashback after I paid the due.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: PA

Complaint narrative:
I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was discharged in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.

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 2022-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

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 2022-05-13 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I filed a Dispute XXXX XXXXXXXXXXXX XXXX XXXXXXXX thru Equifax and Equifax came back and said that the account and balance is valid. Not sure how they confirmed with and I have asked Equifax numerous times to forward me the information that XXXX XXXX XXXXXXXX provided to them to validate the debt and all I received is a credit report. When I filed CFPB complain for XXXXXXXX XXXX XXXXXXXX you can see the attached that they reported different. They mentioned that my account should be XXXX. I have never used this company before. No idea who they are and I have asked them more than one to validate the debt and they refuse. Please delete this from my credit report ASAP because it's causing harm on my credit report but providing false information.

Company response to consumer: Closed with explanation