vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company Name : XXXX XXXX XXXX  Amount : {$1000.00} Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-27 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: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2024 as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my XXXX and TransUnion reports but four fraudulent accounts returned to my XXXX report and three fraudulent reports returned to my TransUnion report. None of the fraudulent items I requested were removed from my XXXX report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to XXXX in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-27 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: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/year> as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my XXXX and XXXX reports but four fraudulent accounts returned to my XXXX report and three fraudulent reports returned to my XXXX report. None of the fraudulent items I requested were removed from my Equifax report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to XXXX in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name 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 2024-10-27 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: NJ

Complaint narrative:
So roughly in early XXXX I noticed a couple fraudulent charges of roughly XXXX $ on my debit card from an app called send app I was able to dispute them and receive my credit. I left my account unnoticed for a while to which when I returned to check for the credit from the other dispute I am bombared with hundreds of charges from a company called XXXX XXXX which totaled roughly XXXX XXXX Roughly around the XXXX of XXXX. I quickly call TD Bank to dispute the charges to which the customer service files them incorrectly which I spend the rest of the month fixing as well as filing more disputes because some of them are not cleared yet. However I am Suprised with a letter stating that my disputes were denied under investigation that I verified the transactions in which I did not. I make a call back to re dispute the claims in which they ask for a police report which I gladly file and fax on the XXXX of XXXX. Finally in the most recent couple days the re file was denied and then they ask for a affidavit that I did not verify the transactions which I happily do but the company had completely blocked me from appealing the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX  XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.

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 2024-10-27 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: NC

Complaint narrative:
I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX  XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX 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 2024-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 USC 1681E ( b ). XXXX XXXX and Experian, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate. 
I was a student with XXXX XXXX XXXX. I worked for 11 months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.

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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Amazon prime visa credit card / chase they will block you after getting approved a way to push you else where I did get approved but they took the approval back then another screen delay information saying that I have to wait to get a updated answer based on what I read in online reviews they know to do this to change a persons approval amount and credit card apr percent rate making it so they can manually make certain persons have higher interest rates & lower approval amounts than others who get instant approval amount and a set apr rate and card that immediately get added to the Amazon account I very frustrated because I keep watching companies slow down application for their own business purposes them and chase does this to push certain households to keep applying for credit card I called and I got we don't have any information for you. You can never tell if applicable applications are being processed properly if there is a delay in the system it's very important to voice that especially if you have to have a prime account to apply when people income is high enough to get a credit card company tend to drag their feet ( bias ) causing days to get a card/information at times. Also keep in mind my Amazon prime account has my other phone number and email which is different from what am filing this complaint with thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
I have spent unnecessary money for months sending numerous certified letters to Equifax. I've notified them and the furnisher 's in refences to the inaccurate information being reported on my Equifax consumer report. They sent back letters stating they investigated and verified the following accounts. Equifax actually failed to conduct a reasonable reinvestigation and continue to report inaccurate information even after providing proof of the inaccuracies. Equifax lack fairness, impartiality, and it is shows in their reporting practices. If proper investigations were conducted, then these numerous factual errors would not remain on the following accounts : XXXXXXXX XXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX I've asked for them to update the accounts to the properly report information multiple times to no avail. I've explained how I feel deprived of my rights to have a complete and accurate report. These accounts are hindering me from adequately providing for my family. I've attached a copy of some of the errors that are still reporting. Now I'm asking for them to completely remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies.

If the items are not deleted/removed.

I will submitted a request to the " XXXX XXXX XXXX  '' and Federal Trade Commission ''.

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 2024-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
My daughter XXXX XXXX spoke with XXXX XXXX and XXXX XXXX about getting a car. XXXX XXXX asked if she could get someone to co-sign and put a down payment down for her she gave him my name informed him XXXX XXXX XXXX. Before I could meet her XXXX XXXX started in on his high-pressure sales tactics on getting me in a car. XXXX outlander. XXXX kept stating yes she has money she looks like money. Per XXXX the car was new insisted I drink more coffee due to working XXXX hour night shift and being there till XXXXXXXX XXXX I was up for XXXX hours repeatedly stated I need to leave and return tomorrow XXXX XXXX kept being aggressive with his high-pressure sales tactics insisted he was ready for me to sign the paperwork. I stated again with XXXX XXXX as my witness I needed to sleep then review the paperwork Ill return in the morning XXXX XXXX said ok on Friday XX/XX/XXXX at XXXX. I return Saturday around XXXX to discuss my concerns of XXXX XXXX and driver side brake issues. Per XXXX XXXX he has the car his brakes does the same thing noting wrong with the brakes. Then stated the bank already closed on the deal their car lot didnt participate in the 3 day resend this wasnt like having a mortgage. While address concerns of a 24 % interest rate and 72 month payment of {$900.00} a month. I didnt agree with those terms nor wanted 72 months of being charged usurious interest rates. XXXX XXXX ran my credit again dropping my credit score down. Per XXXX XXXX the car is brand new. I informed him the car is used. XXXX XXXX got aggressive stating it is new has XXXX miles. According to the paperwork the used car had XXXX miles. When asked why did he deliberately run my credit again he stated how are you going to get your credit score up now! Your going to need my deal to get out of debt, your going to pay that {$66000.00} whether you keep the car or not. I asked for the lender number XXXX stated it was on the bottom of my paperwork. I called Santander Consumer USA a lady answer the phone stated they do participate in the 3 day resend that XXXX XXXX needed to complete the paperwork at their store and send it to them. She gave me the bank personal number he wasnt available Saturday XX/XX/XXXX I did get ahold of him Monday XX/XX/XXXX spoke with XXXX ID XXXX who stated my account had not been processed at that time ( XXXX XXXX ) that XXXX XXXX had to complete the paperwork there to stop the deal and fax it over. All parties were aware the vehicle was returned within XXXX hours of signing. On XX/XX/XXXX a new contract was mailed with vehicle sale of {$29000.00} and new payment {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX XXXX. And they will not remove it. This is not my debt or have I ever applied for anything.

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 2024-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX Equifax. And they will not remove it. This is not my debt or have I ever applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX XXXX. And they will not remove it. This is not my debt or have I ever applied for anything.

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 2024-10-27 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: IL

Complaint narrative:
This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation TransUnion verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.

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 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.

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