vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The vehicle was purchased by and awarded to my ex-husband in the final judgment of our divorce. He decided that he didn't want to keep the vehicle and arranged for XXXX XXXX to repossess the vehicle. I was contacted by XXXX XXXX and informed them of the above information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I lost my employment XX/XX/2024. 
My checking account is overdrawn. 
I have explained my situation to TD bank. 
Funds will be deposited as soon as possible. They are calling me 3 times a day asking to bring account current. The calls are now playing in my mental health., they start calling at XXXX XXXX XXXX up to XXXX. I am looking for work and stalled harassed by TD bank wearing on my mental health. I ask TD bank and was transparent with TD bank regarding my financial situation. The calls are distressing. I do not have a job. I am trying to obtain employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the morning of Friday XX/XX/2024 I received a notification from Chase app that there was a transfer from our checking account to an account in a company called XXXX XXXX XXXX in the amount of {$49000.00}. 

I subsequently contacted Chase Customer Service line to report this unauthorized transfer. They told us that they will investigate and get back with us. We have since gone to two different Chase branches near hour house and called their Claims department numerous times. 

We received a credit in the amount of {$23000.00} on XX/XX/2024. We have been told since then that this is the amount they were able to recover and they don't know when/if the rest of our money will be credited back to your account. 

At this point 2 weeks after this incident, all Chase is telling us is that they are investigating this and no other detail is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Self Financial Inc.
State: CT

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

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 three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed my account back last year because Marcus would not transfer my money back to my original bank account. On XX/XX/2023, I called Marcus to change my address and send my 1099-int form to my corrected address. However, they still sent to my old address. On XXXX, I called again and the same thing happened to me again. I had to update my address again and so forth. The terrible thing is I called Marcus back in XXXX, XXXX, XXXX, respectively. They never updated my address and I would not be able to get my 1099 int at all. The same process happens, they say they had updated tmy address, then they mail to the old address again, I had to call to confirm, and update my address five times now, the mail still goes to the old address. There was no way to update my address and get my 1099.

I called in to unllock my closed account in order to assess my 1099 form. They will transfer me to a specialist, and confirm my phone number ( three phone numbers ) and the specialist said that they would not unlock my account. Then they transfer me to another person who can help me get my 1099. That person had to transfer me again to a specialist who can unlock my account. The specialist will not be able to unlock my account. In the end, the issue never resolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 SIction 604 A Section 2 : It also states a consumer XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Balance : {$14000.00} {$14000.00} {$14000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$31000.00} {$31000.00} {$34000.00}

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 2024-04-10 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-10 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
the primary owner of the car had me as what i thought was a reference but later found out I was a cosigner. I had tried to figure out why all the corresponded emails were only coming to my email and phone calls only to my phone. I was told by the primary owner that the insurance company paid for the car as it was listed as a complete loss and the insurance company paid the car loan off. after the owner XXXX XXXX and XXXX XXXX handled the total loss I was told there would be nothing more needed from me. I signed over the title with the other person XXXX and now I am getting a summons in the mail saying I woe XXXX for an amount on this vehicle but was told that the bank accepted the settlement payment to pay off the Loan. 

two questions ; How can this bank come after me for an amount they agreed on and signed a contract that voided the previous contract? 
XXXX XXXX and other XXXX 's state that once they signed and agreed on a settlement that I am not responsible for any additional contract that XXXX and XXXX agreed on for their issues with her vehicle. 
My credit has been held hostage and I have been bullied buy this credit union and I also had been falsely entered as Primary loan person when the documents do not say I am primary anything. How can the Bank switch Primary without a signature?

I am a single Mom of a child with XXXX XXXX and my parents are passed away and I have absolutely no help. I can not afford this huge amount and still take car eof my child and all the things I have to already do on my own. XXXX does not deny owing this money. She believes that the bank owes her money but i cant keep waiting for the bank and XXXX to settle their issues and I am being held when I sign away all responsibility when the insurance for her vehicle and for her contract that they entered in without me. 

thank you for any help in this. I really need to make sure i do not have to keep being held back by this. Its creating a hardship for myself and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not able to see my credit report on a few various reporting platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXXdischarged : # Reference numberXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT CONTROL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-04-11 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: TN

Complaint narrative:
I have made repeated attempts to dispute an accounts on my credit report, yet my concerns have been continually disregarded. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies promptly investigate and resolve disputes brought to their attention. However, despite my efforts to rectify this matter, I have not received satisfactory responses or resolutions from your agency. 

It is imperative that you promptly investigate this matter in accordance with the FCRA and provide me with a thorough and accurate assessment of the disputed accounts. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action to ensure my rights are upheld. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2024-04-11 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: TN

Complaint narrative:
I have made repeated attempts to dispute an accounts on my credit report, yet my concerns have been continually disregarded. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies promptly investigate and resolve disputes brought to their attention. However, despite my efforts to rectify this matter, I have not received satisfactory responses or resolutions from your agency. 

It is imperative that you promptly investigate this matter in accordance with the FCRA and provide me with a thorough and accurate assessment of the disputed accounts. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action to ensure my rights are upheld. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for credit with american axpress, i made them aware that i made an investment with their company and as a beneficiary i am suppose to recieve benefit of the agreement and trust made inbetween the security agreement that was secretly made amongst the servicer and issuers and transfer agents with myself. they denied me access to my equal and fair value given in exchange for the barter made and have defrauded me of my lofe and value and credit and have cause actual real damages to livelyhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, there were 2 unauthorized fraud transactions on my BOA credit card ( {$1300.00} each, {$2600.00} in total ) that took place in the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX. I submitted the fraud claim right away. And I found that my card was lost, so I called them to include that information in my claim as well. Unfortunately, the claim was closed on XXXX XXXX, saying that the Bank of America was unable to pay me because they confirmed the card was used for the charges ( which is funny because my card was lost, so of course someone else used it ). I called again to reopen the claim on XXXX XXXX and it was closed again today, XXXX XXXX. I've attached the 2 response letters from BOA below. 
I am a XXXX XXXX who lives frugally, and this {$2600.00} is my living expenses for 2 months. And I maintained a perfect credit history. I believe BOA didn't research the case thoroughly because they closed the claims so quickly, both within 1 day. I contacted the XXXX XXXX, and they said there's no signature on those orders. I really feel that BOA doesn't care about their customers. 
Thank you so much for your consideration on this case. Please let me know if there's anything needed from my side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief