vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX/ XXXX Balance : {$1400.00}, 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 explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The target red card is one of the worst cards I ever had. They never gave the promotion of {$40.00} when opening up an account. Their store credit card half of the time doesnt work when purchasing in store. their APR was a lie. Everything about this card is terrible. as I requested so many times for them to send me paper bills they never do. They never send me their agreement policy of the APR rates. I will never open card with target again. When account was opened didnt either check state ID. had to report my card l stolen a couple of times. I called customer service to close my account and they are refusing to close my account as a customer. I have a right to ask for my account to be closed. I do not want to do business with them ever again. Once my balance is paid off the remaining, I am going to ask the credit bureaus to delete Target from my credit report. For advertising promotions that dont even exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 


I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX . PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX . MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.-XXXX XXXX XXXX. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER SSN.

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 2023-01-28 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: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.XXXX XXXX LEARNIN. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 non-monetary relief
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
I made a complaint already but I don't know how to add it but I went to get my stuff out of the car when it was repoed and I have stuff missing out of the car and they did damages to my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Meritize Financial Inc.
State: TX

Complaint narrative:
XXXX Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from Meritze. Nothing In Meritze Letter aligns up with what XXXX is Showing me in my account. 

My XXXX Score is XXXX as of XX/XX/2023 In Adverse Letter From Meritze It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my XXXX account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on Meritze Adverse Letter of Denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-01-28 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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 Report Act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A. States I have rights 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 non-monetary relief
Consumer complaint received 2023-01-28 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 Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A. States I have rights 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 2023-01-28 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: LA

Complaint narrative:
These two accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXX Credit Card Account # XXXX, XXXX XXXX loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: LA

Complaint narrative:
These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2023-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : Since XXXX XXXX XXXX XXXX XXXX XXXX ) a government organization has been contributing {$79.00} every XXXX weeks, which is XXXX a month to my Home Equity Line of Credit Account. 

Those payments from XXXX have not been accredited to my account for payment. I told them their payments sent to M & T bank are not being accredited to my account, so where are the funds/payments? 

In addition, M & T bank has also been receiving monthly payments from me, and month after month my Home Equity line of credit account balance remains the same, even though, technically they been receiving XXXX payments every month for a year to the account ending in XXXX. Ive been making payments on my Home Equity Line of Credit account for almost XXXX years, and my balance owed remains the same. I dont believe any of my payments in last XXXX years have ever been accredited to my account. 

These payments were made my Home Equity Line of Credit account to M & T bank ending in XXXX : XXXX XXXX XXXX XXXX  Cashed in the of amount - {$1900.00} XXXX  Online Payment XXXX To M & T Home Equity - {$170.00} XXXX Online Payment XXXX To M & T XXXX XXXX - {$170.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$200.00} I also have proof of other unscrupulous practices, such as, demanding that I pay them extra payments on my account that was up to date in payments which as unwarranted ; demanding payments and wanting me to notarize a supposedly official documents sent by someone with no last name ( i.e., XXXX XXXX XXXX ; this went on for months. 

I would appreciate your help with this matter. 

Thank you, 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 2023-01-28 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: LA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I received a copy of my Experian credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

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 2023-01-28 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX  Inquired on XX/XX/2022 2022

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2023-01-28 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

Complaint narrative:
Since XXXX paypal send the Permanently band my account but i have a balance XXXX and he closed permanently my account i always using that account in my online business service in digital online, service money transfer international.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CA

Complaint narrative:
I sent a letter on XXXX to remove these : 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 that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible

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