vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I respectfully urge XXXX and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : Negative Round 3 Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXXClosed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : 30 : 0 | 60 : 0 | 90 : 0 Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent. 

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.

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 2023-08-12 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Over the course of 3 years US auto sales had disabled my vehicle several times after payment was made they also sold me a truck an the transmission went out in the first year then they sold my account without notice or warning regarding the new company or any warning that they were closing for good no written communication nor phone calls from us auto sales

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: MI

Complaint narrative:
I am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.

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 2023-08-12 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: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use & furnish my private personal information also The US BK CT-XXXXXXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead, you infringe upon my privacy rights. Lexis Nexis is also committing FORGERY by telling me in a letter that the Bankruptcy court reporting this Bankruptcy account on my credit report, when the Bankruptcy Court sent me a letter saying they do not report to the CRA 's ( Credit reporting agency ). I am telling Lexis Nexis to delete this bankruptcy account off my credit report immediately. I am asking for monetary damages for the violations and defammation of character that they has caused me and my family of {$5000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: FL

Complaint narrative:
This Account was paid, closed, removed, in 2021. The last XXXX months or so XXXX XXXX  has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

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 2023-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
When I log in to my target red card account ending on XXXX it redirects me to a old account target red card account ended in XXXX. I've called many times asking why the closed account is still accessible and why it redirects my from a active account I've called many times once they hung up on me or redirected me to collections. 
I received no bill before my due date, everytime I try to log in I have to change my password, I had to pay over the phone or at least I thought I did but it didn't go through and put a negitive mark on my credit report.. 

I will not set up auto pay because of the closed account ended in XXXX is still accessible. 

this has been going every months for over a year. I finely filed a report with the XXXX  and now you. 

I just want to access my account ending in XXXX and pay my bill..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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: WV

Complaint narrative:
I don't remember the dates as its been a while since I first brought this process credit reporting companies ( Transunion ) manipulating my credit score based upon arbitrary and capricious determinations.

Instead, they are basing the score on the number of credit cards I use ( 3 ) rather than my excellent payment record and credit with the credit card companies.

I brought this to their attention previously and as I stated it's been some time ago. 
But recently, XXXX when I received my billing online from the credit card company the also a service provide a FICO score. 
This is where the problem occurs. In or around XX/XX/XXXX and prior to that date ( I've had this service for quiet sometime. 
At the highest score in or about XX/XX/XXXX the FICO score was, XXXX. I then dropped XXXX points for no obvious reason. I obtained a COPY OF MY CREDIT REPORT AND REVIEWED IT AND THERE ARE NO ADVERSE SITUATIONS SUCH AS, PAYING LATE, EXCEEDING MY CREDIT LIMIT, CARDS BEING CLOSED DUE TO DELINQUENCIES, OUTSTANDING DEBT, BANKRUPTCY, ETC. 
THE ONLY 'REASONING ' TRANSUNION GAVE IS THAT I USE XXXX DIFFERENT CREDIT CARDS TO MAKE PURCHASES. NOT, THAT I HAVE AN EXCELLENT CREDIT REPORT, PAY TIMELY, HAVE NO ADVERSE REPORTS FROM CREDITORS, DISCHARGES OF DEBT, LATE FEES AND INTEREST, ETC. 
For a period between XX/XX/XXXX thru XX/XX/XXXX my credit score has went from a high of XXXX to a low of XXXX. This is when Transunion uses an arbitrary and capricious determinations to recalculate your credit score. 
I'm thinking realistically it should have increased to the maximum credit score,XXXX  I pay timely, even before the due dates in most cases. Even when having the account set up with what is referred to as, Autopay ( a directly withdraw from my financial institution monthly. Thanks, for your checking into this obvious intentional manipulation of my credit score.

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 2023-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of 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 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently received an email from Capital One re : my credit card with them ending in XXXX. 
The email threatened that they may reduce my available credit amount on this card if I don't start using the card ( even though I have an excellent credit score which could be adversely affected by a reduction in credit. ) I have other credit cards with Capital One and those have balances on which I make regular payments in excess of the minimum amount due so I don't understand the intimidation tactics being employed by Capital One via its email threatening to lower my amount of available credit ( {$15000.00} ) on this particular card unless I start using the card. Moreover, Capital One added insult to injury by telling me that I can forestall this threatened lowering of my available credit amount ( & negatively affecting my credit rating ) by promising to significantly start using my card in the future. 
Whoever came up with this insulting tactic of threatening good Capital One customers who have regularly paid on their cards because we are not using our cards enough should be fired. I did capitulate to the Capital One threat by calling their automated number and indicating that I will significantly increase my spending on this Capital One card, however, I am now considering paying off all my Capital One cards and closing all accounts with them because of this insulting email they sent out threatening good paying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly make necessary changes to my name, expunge any linked names, and update my business address to XXXX XXXX XXXX. Please eliminate all previous employment details, and expunge past addresses as well. Additionally, ensure that my current address, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, is the only one listed. I request that the credit bureau eliminate any names and accounts connected to XXXX XXXX. It is important to note that various laws emphasize the obligation of credit reporting agencies to maintain accurate and truthful 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 non-monetary relief
Consumer complaint received 2023-08-12 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXX REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I disputed a charge that appeared on my statement for XXXX. I didn't authorize the charge and I cancelled my debit card. I was satisfied that Bank of America would investigate the company and return the funds to my account. The " company '', XXXX XXXX XXXX, does not exist and there is no phone number to reach them. My efforts to reach them failed. .I recieved a letter from Bank of America on XX/XX/XXXX, letting me know that the credit originally issued was being reversed, along with a XXXX page letter assumed to support their decision. These exhibits, which do not suggest any communication with the merchant simply detail my name, address, the last XXXX numerals of my cancelled debit card. I spoke to the branch manager where I bank and he agreed with me that without identifying and speaking to the merchant a credit should be issued. However when he spoke to the fraud dept he was told once a decision is reached no further action can be taken. This is why I'm asking for your help.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  TRANSUNION INTERMEDIATE HOLDINGS , INC . 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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