vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a TransUnion rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.

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 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX Currently have some fraudulent accounts appearing on 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 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX Currently have some fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23. 

I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening. 

On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account. 

In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX  XXXX  and reps from XXXX XXXX  confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue. 

After the rep had confirmed the numbers for me, I logged into my XXXX XXXX  account got another XXXX  based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23. 

I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation
State: IN

Complaint narrative:
In XXXX  I attended Brown Mackie college of XXXX XXXX and shortly after I gave XXXX XXXX XXXX XXXX the school was very unprofessional with my XXXX XXXX and My medical condition of XXXX XXXX XXXXXXXX for XXXX years I was trying to figure out why I am paying for this loan my medical condition is on going still an I filed an complaint for all of my inflated loans. ( Which credits an diploma are not accredited anymore anywhere ) Due to the closing and lawsuits against the school I have been fighting to cancel these loans or send me the original sign and dated agreement.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of 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 that the information is inaccurate.

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 2023-11-21 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: CA

Complaint narrative:
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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of 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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NJ

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-21 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: IL

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/23 XXXX XXXX ( XXXX ) called me saying transactions had been cancelled by XXXX and a solicitation for my agreement on a {$10.00} fee was made. 
On XX/XX/23 the same thing happened. 
On XX/XX/23 Wells Fargo advised a {$11000.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
On XX/XX/23 Wells Fargo advised another {$1100.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
Further, my XXXX account was - {$640.00} below XXXX. 
An electronic deposit was made by my employer bringing it to - {$110.00}, where it stays after I closed it later that day. 
Monday XX/XX/23 I checked my fraud complaint status with Wells Fargo who advised I had no claim ; mailed letter pending. 
I claim failure to client fiduciary responsibility on both XXXX and Wells Fargo. 
I claim conspiracy to defraud a lawful client, myself, by XXXX and Wells Fargo.

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 2023-11-21 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: DE

Complaint narrative:
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of 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 reasonable cause to believe that the information is inaccurate.

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 2023-11-21 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-21 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: TX

Complaint narrative:
i have submitted several complaints to you agaisnt equifax on XXXX to remove inquiies that arent mine as well as collections, i got a notce today that they fished the investagation on their website, but i have claim # XXXX that was submitted XX/XX/XXXX were they stated they were deleting said inquires then today the investagation stated they are accurate which is not true and harvest XXXX collections I have sent them certied valation letter requesting some proof that i signed this never recieved anything from XXXX XXXX until now but equifax states its accruate they arent doing there job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from TransUnion as of XX/XX/XXXX. However XXXX and XXXX claim to have verified as accurate the very same information TransUnion could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please. I submitted this initial complaint on XX/XX/XXXX and on XX/XX/XXXX TransUnion reply that they believed that a third party sent the complaint on my behalf. I called on XX/XX/XXXX TransUnion and informed them that no one expected for myself is authorized to make any changes on my credit file or to have access to my credit file without my direct prior authorization is forbidden. They consented add the notes to my file. Also I was informed TransUnion to proceed with the reinvestigation. They and asked me to submit my ID along with the other information. So this what Im attempting to accomplish today.

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 2023-11-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
First off, I had financed through XXXX Toyota in XXXX XXXX, on XXXX, have an over XXXX credit score the best APR they gave me was 72 months 8.89 % after I realized that there were lower rates, I called Toyota in XXXX to get a lower APR, saying that with an XXXX credit score I should have received a better offer. They told me they could give me a 6.9 % APR, this involved them checking my credit, another hard inquiry, and {$340.00} servicing fee. I declined. I have the Toyota servicing app, on the app I can not see how much of my payment is going towards principle or interest, I called on XXXX, I was on hold for XXXX mins, on the phone with the Toyota representative for an hour, no resolve! Payment history should be transparent. Can you help me with this later half of this complaint?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. I paid my safe deposit box in the Wells Fargo bank at XXXX XXXX XXXX, XXXX, North Carolina, XXXX ( Where my box is located ) on XXXX with XXXX XXXX teller agent and its not reflecting my payment of {$65.00}. I dont wan na be charged a late fee so I took the time out on my sons Birthday to come in and pay the {$65.00}. XXXX XXXX withdrew {$65.00} the funds out of my Wells Fargo checking and told me she paid my safe deposit box with it. It is showing not paid, I do not appreciate it. This has been a nightmare with this box and I have had this safe deposit box since XXXX  and never had a problem until this year XXXX. I advised it was a problem with paying different from any year this year XXXX  and its like executive department isnt taken my matter serious. I went in and took time out of my busy day on my sons Birthday to make sure it was paid, XXXX XXXX as well and I also went in there with my XXXX year old XXXX. It was only one teller open as well so I had to wait extremely long and the lady before me was coughing bad and I dont want me and my XXXX  plus my family at home to catch Covid 19. Instead of someone helping me pay the {$65.00} in the executive branch over the phone to make it easier for me as a XXXX with children they did not do that. Now my payment is not showing up of {$65.00} I paid in full. Im very dissatisfied customer. This whole safe deposit box was not handled properly and the customer I received was very poor. Can you please fix my safe deposit box and apply the full payment I made of {$65.00} so I can go on with my life Im tired of worrying about this for weeks leading to months. Thank you for your time. Have a wonderful day and please continue to be safe.

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 2023-11-21 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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