vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: AR

Complaint narrative:
The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH EXPERIAN, XXXX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. EXPERIAN STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH EXPERIAN, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX AND XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. 

THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR FACE FEDERAL LAWSUIT XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX  about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
Wrote a check on XX/XX/2023 Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' for {$480.00}. Put in Blue Box in front of local post office. The check was stolen by unknown person and cashed for {$480.00} on XX/XX/2023. They did not alter the front of the check. However TD bank and XXXX together allowed the money to be withdrawn from my account. The scribbled initials on the back of the check are nowhere near looking like the pay to order this check is addressed to. I went to TD bank on XX/XX/2023 and filled out Affidavit of Forgery. Today is XX/XX/2023 I haven't received any correspondence from the back at all ( no mail, email or phone calls ) regarding this. Nothing to even say they are looking into it. I feel that both TD Bank and XXXX  are at fault for taking my money and giving it to a random person who didn't even bother altering the front of the check. To this day I haven't gotten my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

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 2023-07-05 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 non-monetary relief
Consumer complaint received 2023-07-05 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My citibank card is holding me accountable for fraud that occured. I immediately let Citibank know about 4 fraudulent charges on XX/XX/XXXX. They properly claimed 3 of the charges were fraudulent but made me responsible for 1 of the charges and let me know I'd be responsible for the charge on a letter dated XXXX XXXX, XXXX. I appealed the decision researched and provided documentation of the fraudulent charge and never heard back. 

I called on XX/XX/XXXX about the 2nd appeal and was told the original decision stood. I was not ever given a response or a reason why this charge was mine. I have provided them with information showing a fake address on the card, my name mispelled on the charge, no verification. 

Documentation has been provided.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On a regular bases they will hold me payroll check to allow charges to come through over drafting my account just to collect really large overdraft fees, as of today my account overdrawn XXXX, when a payroll deposit would have been made as it it always post on a Wednesday, others at my place of employment received their pay today, I think it's unfair and have have been banking with Regions for 20 years and have paid some thousands of dollars in overdraft fees...

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 2023-07-05 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
The problem is with Equifax. The other two credit Bureaus are ok. Equifax shows NO current credit activity for over 2 years. Most accounts are over 30 years old. My score does not change since there is nothing active. I have contacted them and talked with them on three recorded calls and 3 registered letters including a 60 page summary with copies of reports. Six weeks ago, my attorney sent them a letter. Still NO response. They say there is nothing wrong with my report but it is obvious from a glance that the computer portal is not operational either by FRAUD or Neglect. 

I have attached a copy of the letter sent by my attorney with reference. 

They provide an essential service to the consumer. This kind of neglect should not be tolerated. PLEASE help, I have no other means to get them to respond and fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. XXXX XXXX XXXX was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is Jefferson Capital Systems LLC. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. Jefferson Capital Systems LLC is in violation of statute of limitations. I am considering filing a lawsuit against Jefferson Capital Systems LLC for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
Charge posted XX/XX/XXXX XXXX full amount XX/XX/XXXX XXXX & TransUnion lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX.11 days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by XXXX XXXX TransUnion. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX XXXX XXXX TransUnion lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

XXXX XXXX TransUnion lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )

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 2023-07-05 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I finance a truck in XXXX dealer name XXXX XXXX XXXX give them XXXX in down payment more XXXX for plate My bank finance its Lend buzz Pass 2 months the dealer closed and never give my tags And I still make all monthly payments right Pass 6 months at day XX/XX/XXXX at XXXX XXXX  a town company come and Towin take my car. 
I stop by at police station the told me my car have been picking from the bank, I call the bank they says the dont have anything we this, I stop by at DMV the told me the car never has been transfer for my name and the car lend holding its not my bank its a credit union, all my personal items its inside the car iDs, SSN , drive license, bank cards. For me goo get my stuff I need to pay XXXX just for pick up my personal items. 
For all this 6 months I us make alright payments XXXX a month they take my car I did the complain at DMV ( complain number XXXX

Company response to consumer: Closed with monetary relief