vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My wife ordered an XXXX XXXX back in XX/XX/2021 for {$310.00} and it posted to our TD checking account as a debit. The account number is XXXX. The transaction was originally authorized by my wife but we never received the merchandise and never received a tracking number despite numerous requests!! 

Plain and simple everytime we complain about this to TD Bank they agree with us, do a provisional credit but for some inexplicable reason it is always reversed in the merchants favor saying that there was no error.. FOUR TIMES NOW!!!! This has nothing to do with an error!!! The transaction was authorized.. This has to do with the fact that the company has yet to provide any proof that we signed or even received a package .... we never received the package!! We are saying we never got it, why do they get to keep our money??? 

I don't know on what planet they are justified to get to keep my money when they never provided any proof of us receiving this package.. It makes no sense... The doorman never received it and I certainly never received it or signed for anything, they have no right to keep my money. The fact is is that the TD Bank representative always seems to agree with us on the phone and reopens the case but then for some inexplicable reason we are told there was no error. Again this has nothing to do with an error... the transaction was authorized we just never received the package... There was never any proof of us signing for it there's never been any proof of us ever getting it delivered to our door. TD bank has to do better... This is ridiculous they have been totally unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I made two payments 1. @ pymt. Amt. XXXX 2. @ XXXX for principal payment & called them on XX/XX/XXXX to make sure this is done correctly. I rec 'd my stmt. for XX/XX/XXXX & they put it as payments to XX/XX/XXXX. I called again for them to correct it, but they ended up showing me late for XXXX, payment on my credit report, which I did make on XX/XX/XXXX. As of today, they have one payment that never went to principal.

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 2022-04-16 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: WA

Complaint narrative:
I disputed XXXX XXXX XXXX Washington Docket # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX, ( XXXX ) XXXX ) .I disputed this account on XX/XX/2021 on XX/XX/2021 Transunion came back and said this account was verified as accurate? I called the court recently to ask if they have procedures in place to report to the credit reporting agency in regards to consumer accounts? I am a consumer this account was never verified by Transunion because they never spoke with with court so how did they verify this account? 

15 USC 1681 A-4 I have a right to privacy as a consumer In the event Transunion gave my my information to a third party and the third party furnished a consumer report on my behalf without permissible purpose that is a violation. I never gave Transunion written permission Under USC 1681 B-2 I am request that trunnion delete this public record on my file because it was never verified. I ask Transunion provide the contact number and they company they verified this account with. Please delete this account from my credit 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 non-monetary relief
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
TransUnion violated a XXXX  law enforcement order. The order was issued to stop the company from engaging in deceptive marketing, regarding its credit scores and other credit-related products. After the order went into effect, TransUnion continued its unlawful behavior, disregarded the orders requirements, and continued employing deceitful digital dark patterns to profit from customers. TransUnion violated additional financial protection laws against me with the following accounts .... 
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 2022-04-16 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: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely 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 2022-04-16 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: WA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX/ XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding deletion of the following 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 2022-04-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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 instructions

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 2022-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have called Kohls numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following Credit Bural reporting agencies also I have collateral damages from this lowered my XXXX XXXX  my credit score of my XXXX score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

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 2022-04-16 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: FL

Complaint narrative:
Experian failed to investigate my dispute regarding a late payment reporting from XXXX. XXXX XXXX  made an error and double billed me for XXXX and XXXX. I paid my payment for XXXX on time. Experian never attempted to contact creditor Im asking for a correction on my records

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 2022-04-16 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 


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 instructions

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 2022-04-16 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 


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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/2022, I received an alert regarding my credit file. After reviewing the alert, I realized that Macy 's report a 30 late payment on my credit file, which reduced my credit score by XXXX points. I contacted Macy 's to find out the reason why they reported a 30 late payment on my credit, and I was told that I missed a payment. In the pasted 7 years I've always have auto pay that way if I were to forget to pay my bill the auto pay would illuminate those issues. In the past 7 years I have never had a 30-day late payment on my Macy 's account. Macy 's removed my auto pay and claim that they try to initiate a payment from my bank, and it did not go through. I contacted my bank with a Macy 's representative on a 3-way call and the bank representative told Macys that the account had sufficient funds to cover the amount they try to withdraw. Clearly Macy 's made an error with their process, or they deliberately did that to ruin my credit file. I am requesting Macy 's to notify all 3 credit bureaus and notify them to remove the negative remarks from my credit file immediately. Macy 's credit department did not notify me that they tried to initiate a withdrawal from my checking account on file. Macy 's credit department did not notify me that I was falling behind 30 days. Macy 's did notify me that they removed the auto pay from my credit file. Had Macy 's followed their company 's policy, this incident would not have happened. I am in the process of closing on a new home in less that 45 days and with this negative report on my credit file, it will prevent me from closing. This will prevent tm from getting a mortage. This matter needs to get resolve immediately without any further delays.

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 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have an account from springoakcap # XXXX for {$820.00} this account doesnt belong to me. I never had account with XXXX bank. This is really frightening Ive attached a copy of my affidavit as well and Im requesting a removal of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

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 2022-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX Experian received certified letter stating inaccuracies in my report. 

Experian did not answer withing the 30 days they they have to respond by law. 

XX/XX/XXXX Experian Received followed up letter to delete inaccuracies that they did not respond to as of XX/XX/XXXX as of today Experian has not responded and they keep reporting the inaccuracies they they did not respond to as of XX/XX/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 2022-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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

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 2022-04-16 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: RI

Complaint narrative:
In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.

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 2022-04-16 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: RI

Complaint narrative:
In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation