vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive written over XXXX letters to Experian and called about addresses that are incorrect and accounts that were either fraudulently opened or accounts settled that they refuse to remove. 

I recently disputed through the XXXX XXXX XXXX an account with XXXX XXXX  that was not mine and gave the police report to prove it did not belong to me. Experian still has the account on my credit report claiming the company confirmed the information was accurate. 

I feel they are blatantly ignoring my complaints and refuse to remove inaccuracies or fraudulent 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 non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AL

Complaint narrative:
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 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 2023-07-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The law states according to 158USC6802 YOU DON'T HAVE PERMISSION TO REPORT ANYTHING WITHOUT MY CONSENT... PLEASE REMOVE ALL CREDIT CARDS FROM MY REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage company has informed me that I am behind on my mortgage payments, however this is incorrect. I have not missed a payment, and I have submitted supporting documentation to my lender confirming their error. 

This error is likely because on XX/XX/2023, without my authorization, my lender drafted my account TWICE for my regular mortgage amount. I then disputed the additional month amount. 

The lender has also started incorrectly assessing me late charges. 

I have attempted on three occassions to resolve the matter over the phone, however the lender 's telephone representatives are unable to help, and requests to speak with supervisors go unfulfilled. The matter remains unresolved. 

Because the lender 's telephone assistance is insufficient, I have also sent a written letter to the lender explaining the problem in detail ( attached. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: CT

Complaint narrative:
According to 15 U.S. Code 1681d, as a consumer I did not receive any disclosure about a consumer report being furnished on my behalf from XXXX XXXX  or Equifax. I did not give any verbal or written consent for either of them to share my non-public information and furnish a report when according to 15 U.S.C 1681b they are allowed to furnish a report in accordance with the written instructions of the consumer to whom it relates. I did not even receive disclosure to opt out of a credit check when applying for XXXX  years ago, this is identity theft and and by law these are completely inaccurate and unfair and goes against what the Fair Credit Reporting Act is. Please get them to remove everything as this is indenting theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to report inaccurate payment history for the XXXX account ( XXXX XXXX ). 

This vehicle was sold on XX/XX/22 as a trade-in for a new vehicle ( documentation is attached ), yet, Equifax continues to report current payment activity as if the account is still active.

I am requesting Equifax remove this account for erroneous payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My card was stolen and multiple transactions were made. I contacted The Branch bank and trust they denied my dispute and i called the merchants some of them sent me signed receipts and some didnt not and advised me to file a chargeback with bank. I have police report and my bank still denied my claims.

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 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank continues to use various debt collection companies to report debt from several years ago as new debt. It was an result of identity theft which happened several years ago. Recently they added to my credit report an Ann Taylor card of {$500.00}. They are reporting on my credit that it was debt charged off and owned as of XX/XX/XXXX which is not only inaccurate but was reported as theft dating back to XXXX. They are using companies like XXXX  and other debt collection companies to keep moving the fraudulent debt around. They did this with New York and Company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my chase credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.

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 2023-07-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-20 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I noticed my TransUnion ( TU ) credit score had dropped XXXX points. The reason was, " Account Removed. XXXX XXXX  account removed from your file. Between XXXX XXXX, XXXX and XX/XX/XXXX, your credit card account with XXXX XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your credit score. '' I have never had a XXXX XXXX. I called the number associated with XXXX XXXX  in XXXX, UT. They searched and said they could find nothing on me. I called TU and XXXX weeks later after countless hours on the phone, sitting on hold for hours, being hung up on or disconnected, RUDE employees, dealing with reps who can barely speak XXXX, reps you can't hear due to barking dogs and loud TVs, reps who put you back in the que rather than transfer you, hearing " your call is very important to us, due to unusually high call volume ... '' ad nauseam, much frustration and many tears shed ... I could go on and on... I am requesting your assistance. These people are impossible/difficult to deal with. They are flippant, argumentative, and condescending. On XXXX XXXX  in the Special Handling Dept investigated and said " The XXXX account does not belong to you & was already removed in XXXX It's a system error on TU 's side. '' He submitted a repair ticket to the maintenance team and said they had XXXX business days to get it corrected. The acct was opened on XX/XX/XXXX when I was in the hospital from XXXX thru XXXX. On XX/XX/XXXX, I received a copy of my credit report from TU. I know XXXX is not on my report. This is my entire point. I have spent HOURS trying to get this resolved & no one will help me. I was simply told " maintenance was completed on XX/XX/XXXX '' but they can not add the XXXX points back because it was probably XXXX of the XXXX factors that determine credit scores that lowered my score. XXXX only reports to TU ; none of my other scores were lowered. My credit score with XXXX is XXXX and my score with XXXX is XXXX ; TU dropped me from XXXX to XXXX. No matter how hard I tried to get this resolved, employees were dismissive and absolutely do not care. I think by seeing my credit scores, you will see I am very conscientious re : my finances and XXXXredit score.

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 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
This complaint is for Wilmington trust. It is so demanded that Wilmington trust for validation of debt and all commercial matters in accou d # XXXX in accordance to ( U.C.C. 3-402 ) ( b ) I need to see that generally accepted accounting principles ( GAAP ) is being followed. This company is stating that I borrowed cash from their organization.I must see the contract that allows this company to collect this alleged debt on the behalf of XXXX XXXX XXXX XXXX account but most importantly the booking entries with General Ledger. With this company refusing to release this information.The following account # XXXX must be validated this company is required under oath to show me validation for the debt by a certified public accountant ( CPA ), they have 10 days to give me the bookkeeping entries from a ( CPA ) Or this order will be in force and I will request that these book entries be seized under the 1917 trading with the enemy act. Requesting to see entries under UCC 3-302 adequate assurance of due performance.and requesting entries under UCC 2-609 for the sale and purchase. See the attachments as to company still not complying with my orders.Nothing is Certified by a CPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I called several time to try and fix whatever issue they had, they also informed me several time I couldn't make a payment over the phone, I tried adding my new back to the account 10 times over a period of 5 months or longer.. I can not tell you how many time I called to ask why does this keep refusing to let me add my bank? No answers, I asked so how am I supposed to pay something you wont allow me too? They always told me i had to two a few days for it to go though. I again have repeated this over ten times or so, i asked my bank if they were rejecting it and they told me no.. So i eventually got someone who forced the process to take place, I made the payment, and two to three days later they revoked my payment??? No they closed the credit card and charged it to 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 monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 I tried to complete a change of address in my online USPS account. That was at about XXXX XXXX  on that Monday. I was asked by the USPS to accept a {$1.00} fee for verification identity. I checked the box I agreed to accept the fee and then entered my bank card information. The USPS then said it could not accept my bank card for payment and said it had sent me an email telling me what I needed to do to complete the transaction at the post office. I have not completed the transaction at the post office yet at the front counter. In my online TD Bank account, it has that on XX/XX/2023, {$1.00} was sent to the USPS. I want TD Bank to verify that the {$1.00} was sent to the USPS from my checking account on XX/XX/2023 because of the transaction I tried to complete in my online USPS account on XX/XX/2023 at about XXXX XXXX. In my online TD Bank account, this is how the XX/XX/2023 transaction is recorded, XX/XX/2023 Debit Card XXXX XXXX XXXX XXXX USPS Change Of Address XXXX XXXX XXXX TN. My mailing address has not changed yet in my online USPS account and I have not completed the change of address transaction, so I want TD bank to verify that the USPS could legally take the {$1.00} from my checking account. I have not closed my current mailing address of XXXX XXXX XXXX XXXX, SC XXXX I have had for about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE DELETE THIS NAME OFF OF MY CREDIT RPORT ( XXXX XXXX ) MY NAME IS XXXX XXXX XXXX OR 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 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is involved in committing Frand with a XXXX XXXX XXXX XXXX they Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 5x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX. Called in to the customer service the Phone Reps was rude disrespectful hanging up in customers faces saying XXXX slurs argumentative with me made a commit sayin you Americans foreigners are handing Americans accounts and they are XXXX and are misusing there power to falsely use the American people accounts by furnishing false inaccurate information and credit scores to hurt and keep the American people suppressed. this is illegal and needs to be investigated the American people personal information is in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.

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