vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XXXX of XXXX ( 35 days post purchase ) till XXXX of XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a XXXX balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted transunion today who informed me that the dispute on the account balance has been denied as XXXX says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.

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 2019-07-11 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX and TransUnion. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from 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 explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Duplicate collection accounts from one collector show up on all three reporting agencies, Equifax, XXXX and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged with unauthorized use/fraudulent charge on my Chase Freedom credit card by XXXX XXXX CT and XXXX XXXX CT accrued from XXXX to XXXX. I discovered the transactions and reported to XXXX Credit Card Fraud operations in XXXX, XXXX. The researched and credited the unauthorized charges on all transactions from XXXX. I sent them the claim letters on XX/XX/XXXX on the all unauthorized charges occurred during XX/XX/XXXX to XX/XX/XXXX. 
The total payment I made on their unauthorized charges is {$1400.00}. After I researched, I found the following unauthorized charges from them started back to XX/XX/XXXX, from then on they charged my credit card {$15.00} and {$8.00} separated each month. I did not authorize or used any of their services, merchandises nor any form of service. I never received any billing, invoices, receipt nor statement from them. I called them on XX/XX/XXXX, their representative told me they could find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX # XXXX is reporting lates that I should not have. I changed my payment date from the XXXX to the XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CA

Complaint narrative:
XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXXand this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to close my Wells Fargo account. I had a verbal agreement for a settlement at a branch via banker connection in XXXX. After initial payment was made there was no longer any contact through either party and Wells Fargo voided initial verbal contract due to undisclosed terms. I sat with a banker a couple months later and when we called they told me I would have to pay the original amount prior to agreement even though I had already made a payment.

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 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XXXX to the XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I spoke with someone today and received no help. I paid off my balance with this company on XX/XX/2019 but when they reportes to the credit bureaus on XX/XX/2019 they reported thag i still owed them a balance. I had the credit bureaus dispute and they replied to the dispute saying the charges were valid which is incorrect.The account is STILL open but there is a zero balance.

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 2019-07-11 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: OH

Complaint narrative:
I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

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 2019-07-11 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: CA

Complaint narrative:
A formal request for validation/documentation, was sent certified mail on XX/XX/2019. Received confirmation letter was received by Experian to process my request of inquiries. Since my initial request on XX/XX/2019 Experian has failed to initiate a response or furnish documents from each creditor. These inquires have not been validated and are inaccurately reporting on my credit report. 

Called into Experian to get this resolved, Experian refused to remove inquires or provide me reasons after I expressed it was a violation of my consumer rights with the FTC, FCRA. 

FCRA Section 609 states I have the legal right to request copies of the original application I " allegedly '' signed to validate such 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 2019-07-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I leased a car from XXXX Toyota in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. Toyota was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. Toyota was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to Toyota ( XXXX XXXX XXXX ). I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from Toyota just 2 and a half weeks after the accident. I was never notified of this charge by Toyota, either by mail or phone. I called my bank and asked them what the charge was from, and they said that Toyota submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that Toyota received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. Toyota was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Hello, I tried to reached Navient to settle a pass due monthly payment, I make very regular payments with good records, but had an issue with setting up my auto payment and missed two payments. I  wanted to get the amount paid and so it wont effect my credit score. I google Navient Customer service and found Navient Student Loan XXXX. I thought I had reach Navient to settle my issue, and had giving my private information, SSN, Birthday, Credit Card Information. 

The teller was telling me about the loan forgiveness program where they would take my balance and transfer it from Navient to the Department of Education and would charge {$3000.00} for making the transition. I thought it was very fishy after reading it over the contract, and I refuse to agree to move forward. Then they transfers me to the manager and she was very pushy and really wants me to agree and move forward, she keep saying I can always Cancel after I agree to move forward, also very pushy. I did not agree, she was getting annoyed and hang up on me. I now realized that it was a huge scam. I am afraid for my sensitive information and a contract they have my information on, I am not sure how to protect myself at this point. 

The contract I still have and the name on there in small print is called " XXXX XXXX 'XXXX XXXX XXXX XXXX The website they directed me to was this and it also not real. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My XXXX XXXX money order was stolen, fraudulently altered and forged by a TD Bank customer, who then deposited the money order into its TD Bank account through TD 's ATM machine. TD Bank, as the XXXX XXXX XXXX XXXX, was not authorized to clear this stolen money, and is legally liable to reimburse me for my loss, {$180.00}. TD Bank sent a letter to XXXX XXXX denying my request for reimbursement on XX/XX/XXXX despite its own letter stating : " If an item contains both an unauthorized signature of the account holder or purchaser and an alteration it is deemed to be a forgery and the drawee/payor bank is liable ''. TD Bank is the BOFD/drawee/payor bank! In follow up, I received a letter from TD Bank dated XX/XX/XXXX asking me to re-submit to TD Bank my claim in the format it needed ( altered payee only ) even though the money order had been both altered and forged, and assured it will refund my money. Throughout numerous conversations with TD Bank 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I was assured TD Bank will reimburse me once it received the new submittal from XXXX XXXX, but repeatedly lied and claimed they never received the form from XXXX XXXX. XXXX XXXX, through my CFPB complaint, responded it had in fact furnished TD Bank TWICE with the newly submitted claim form ( for altered payee ) back in XX/XX/XXXX, to which TD Bank repeatedly lied and claimed it never received. I intend to sue TD bank in Small Claims Court for my loss, and am at a loss to understand their scheme to cause intentional harm and defraud me out of my right to reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 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: PA

Complaint narrative:
DEPT OF ED/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM XX/XX/2013 PERMANENTLY!!!

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 2019-07-11 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: PA

Complaint narrative:
DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: PA

Complaint narrative:
DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status.

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!

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 2019-07-11 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 received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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