vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$470.00} ), DEPT OF ED/XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX XXXX Credit limit {$300.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-07-11 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$470.00} ), XXXX XXXX  ED/XXXX ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a tenant who owes back rent. He applied for the California rent relief and was approved and sent a check. The check was make out on a chase check. I went to deposit the check into my account, everything was good untill the day the hold was released on the check. Chase restricted my account with the funds for back rent. First time I called customer service person told me it was a fake check, which that isnt true because I called the verification number on the check to verify it before I deposited it. Then they told me it wasnt cashable ( called the number On the check again, and it said it was cashed and cleared by Chase Bank ). Another time they told me to have the program To re-issue me a check. Doesnt make sense since its already been cashed and clear by Chase why would they Re-issue me a check because they can see where it was cashed. Another time I called they told me I had to get a notarized authorization letter from my tenant stating What the money was for. It took me a couple days to get that since my tenant went to XXXX I had to have him write a authorization letter and get it notarized and have it mailed to me once I received the letter I called Chase again and then they told me a whole different route I have to take. Theyre making this really difficult and Im really getting frustrated. The XXXX check is written On a chase check they know its a real check because they cashed and cleared it and then put my account on hold and restricted it. 
Its like a runaround with them right now I need help getting this figured out Ive already lost income due to my tenant not paying and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 2022-07-11 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: LA

Complaint narrative:
On XX/XX/XXXX I received disputed results back from Equifax after disputing a re-aged account from XXXX XXXX XXXX now listed under XXXX XXXX XXXX that is re-aging the account with new dates. Equifax is refusing deletion that the other credit bureaus deleted with no problems due to the Date of First Delinquency from the Original Creditor XXXX XXXX of XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, and XX/XX/XXXX and states no day of deletion off credit report from Equifax. Equifax then UPDATES the CLOSED account to OPEN XX/XX/XXXX dropping my credit score. All the Date of First Delinquencies per reports do not correspond with one another to the DOFD and I am requesting Equifax to delete this account immediately from my credit report. The collection agency has re-aged this account twice according to the Original Creditors Date of First Delinquency. Please delete this account immediately. I will be reporting re-aging to the Federal Trade Commission ( FTC ) as this is a serious offense under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act NISSAN MOTOR ACCEPTANC 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
In accordance with the Fair Credit Reporting act 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 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 2022-07-11 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:
In accordance with the Fair Credit Reporting act 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-11 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: NC

Complaint narrative:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Estate Information Services, LLC
State: TX

Complaint narrative:
ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX ATTENTION : GENERAL MANAGER REFERENCE : XXXX SUBJECT : XXXX XXXX XXXX  I, XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX I am receipt of a letter that is dated on XXXX XXXX in regards to an alleged debt that is owed to XXXX XXXX XXXXXXXX XXXX  in the amount of {$2600.00}. 

I reviewed the letter and noticed that the date it was sent to me in XX/XX/2022. The letter had a completely different day to respond back to dispute the debt. The date in three areas are XX/XX/2022. 

How can I respond to a correspondence that is sent to me on XX/XX/2022 and it has XX/XX/2022 to respond back? 

I think this some type of scam and very suspicious an I want a complete investigation regarding ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX practice of doing business with consumers. 

Why would I receive a letter instructing me to pay for alleged debt when all the information is different regarding how to dispute the matter? 

I know in midst of this Covid-19 era they have been loads of scams running around the country defrauding consumers. 


Please review all attached documents. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}

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 2022-07-11 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:
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 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 2022-07-11 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: PA

Complaint narrative:
My SSN was in the XXXX breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a 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 2022-07-11 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
For the past 6 months. Along with letters sent in XXXX of XXXX Credit Acceptance Corporation has been misreporting incorrect information; such as balances, payment dates, opening dates, comments and reporting misinformation on all 3 credit reports. This has caused my opportunity to obtain credit to be difficult. They have two bureaus reporting closed and one reporting still open plus 120 days late. This is a violation of the FCRA. Also, balances are incorrect from the paperwork Credit Acceptance has sent to me. They received GAP insurance money plus money from the sale of the vehicle. Credit Acceptance never granted me the resale paperwork or deficiency until after the vehicle was sold and they wanted to ask for the debt to be covered. Credit Acceptance also stated that the balance was XXXX, later changing it to around XXXX and reporting to bureaus the amount of XXXX. All faulty information. Please look at the incorrect information attached and have them remove their name and accounts off of my 3 consumer reports immediately. Ive asked them to DELETE several times and sent them the errors made. They take my proof and not fix the issue every time. Along with trying to cover their tracks. This violates FCRA code 623 ( a ) ( 1 ) ( c ).

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 2022-07-11 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: NC

Complaint narrative:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}

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 2022-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX # 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 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 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
My SSN was in the Equifax breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
My SSN was in the Equifax breech and XXXX XXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a CPN?

Company response to consumer: Closed with explanation