vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics.

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 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Company : TD Auto Financing Around week ago I added new banking account to my auto payment settings, and deleted old banking account done on the same day. because I was planned to close old banking account. 

Today I got a phone call from XXXX XXXX XXXX  which is my old banking account regarding the charged balance around - {$660.00}. Since My First General Bank account had remaining {$120.00} I was decide to close it, but XX/XX/2024 TD Auto Financing still charged me {$790.00} from the banking account I deleted so I got overdraft - {$660.00} today that I need to pay.

I called TD Auto Finance asking this reason why they still charged old banking account I deleted on auto payment settings and their answer is vague. They said I need to confirm the old banking account I deleted, YES I did, I did add prior the day XX/XX/2024 which usually the auto charged begin. 

TD Auto Financing won't compensate me regarding my old banking account overdraft. I did the banking accounts switched for auto charged then deleted old banking on the same day prior XX/XX/2024, but they still charged me from old banking account. I got overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed several hard inquiries on my credit report that I did not authorize. These inquiries are not mine, and I request that they be removed immediately. Please update my report accordingly. Thank you for your prompt attention to this matter. 

Please see attached file

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 2024-09-10 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: TX

Complaint narrative:
I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NJ

Complaint narrative:
I recently checked my credit report and saw several billing mistakes under 15 U.S. Code 1666 ( b ). These include errors with payments and calculations. The creditor didnt send me a statement 21 days before, so there shouldn't be any late payments. I need proof from the creditor showing I missed payments and was marked late because of their mistake. By law, these errors must be fixed or removed immediately. If not, I will seek compensation in small claims court for violating my 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
During the period of XXXXXXXX I rented an apartment at XXXX XXXX and, due to the financial impact of COVID-19, I fell behind on rent. In XXXX, the State of Californias " Housing is Key '' Rent Relief Program paid XXXXXXXX XXXX  {$29000.00}, which fully covered all past due rent. According to the program 's terms, all fees associated with this rental debt were to be waived by XXXXXXXX XXXX 

Despite the debt being resolved, a collection was placed on my credit report by Kimball , Tirey & St. John LLP for {$4600.00}. This amount is inaccurate and invalid, as the debt was paid in full through the rent relief program, and any remaining balance should have been waived. I am requesting the removal of this false collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List Of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, RXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A. States I have the right to Privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convicted crimes which antedates the report by more than seven years.

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 the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication

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 2024-09-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: IN

Complaint narrative:
There is an unfamiliar account listed on my credit report, and I suspect it may be due to fraud or identity theft.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I had a check in his account with Santander Bank I was a victim of cashing a check that was Santander bank fault bc I told them on face book theres a job that was high and remote control job they sent me a check and I asked Santander Bank if the check was good before I cashed it and said that it was all set XXXX protecting the customer. They clearly check in two days and the company that was supposed to be Job fooled me and took the money, Santander Bank never did Seven 10 days to see if the check clears they checked and the computer and they said the check was good for the fact that security breach on both ends as a customer I should not owe {$1800.00} for certain of the Bank system computer That cleared that check we in XXXX they supposed to have all that figured out on the computers Instead of the bank not charging me because they gave me the OK to cash it and take responsibility for the security breach investigated properly. I give them all the evidence. and he still wan na charge me thats not fair because of that I cant open a bank account. I cant progress for the fact that I made the call before the check was cash and Santander Bank in XXXX XXXX gave me the OK that it was a good check because I was suspect myself about the check, so therefore, the mistake by clearing The check when I alerted them Before at hand stead of them, shoulder and responsibility they put the blame on the on the customer for it was security breach on their end not my end I shouldnt be charged {$1800.00} for the mistake of the bank for giving me the OK

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 2024-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this statement to request an update to my personal information on file. I believe that the information currently recorded is incorrect, and I would like to ensure that my records reflect my accurate details for effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
My current auto insurance company has based my current auto rates on incorrect information that was provided by Lexis Nexis. On Friday, XXXX XX/XX/XXXX I was advised by XXXX XXXX company that my rates increased due tickets. One being a " reckless driving/speeding '' ticket from XXXX. This information is completely false/inaccurate. I have attempted to dispute this, and I have been unsuccessful. I was placed on hold for long periods and then ultimately disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate 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 2024-09-10 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 non-monetary relief
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate 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 2024-09-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Fair Credit Reporti

ng Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of
the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.

Complaint narrative:
Dear Sofi Legal Team, I am writing to express my deep frustration and concern regarding the recent restriction placed on my account. Despite numerous attempts to contact your team, I have not received a clear reason for the restriction or a timeline for its resolution.

The restricted transaction in question is an owners draw from my company account to my personal Sofi account. This situation is particularly urgent because I need to make a down payment for a house closing, and the restriction on my account is jeopardizing the entire process. 

I kindly request that this issue be addressed with the utmost urgency to avoid any delays or complications in the closing of my new home. If you require any additional information from me to expedite the resolution of this matter, please do not hesitate to reach out. I am available to provide any documentation or details needed to resolve this issue as quickly as possible. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
I deposited {$400.00} into atm at usbank branch on XXXX XXXX XXXX I'll XXXX after I inserted money into the machine I got a receipt saying they are unable to credit my account or return the money I attempted to deposit. I don't have the luxury of being able to wait around for this money my money is needed immediately

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