vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
To whom it may concern on XX/XX/2023 I wrote to the credit bureaus asking them to conduct a verification of an account that is being reported on the credit report for ( XXXX ). The account name is : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX and XXXX conducted research and determined that the account was not valid and after investigation removed the account from my report. I myself conducted an investigation and also found the account to be invalid. Equifax did respond back to me stating the account would not be removed from my report after their investigation. 

In accordance to the Fair credit Reporting Act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

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 ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I collections from Caine & Weiner Company for a XXXX account that I never had. I have also had XXXX and is confused as to why they are reporting to the bureaus falsely. I want this removed as soon as possible as it is making it difficult for me to purchase my home. I called XXXX and they couldn't provide me with any information has to whom opened the account or even go back to listen to the calls. I do not owe {$890.00} for account number XXXX that was opened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Account Name : US DEPT. OF EDUCATIONXXXX Account Number : XXXX Balance : {$16000.00} RE : Requesting a Method of Verification Letter To whom it may concern : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

This debt has been transferred several times to the best of my knowledge. The accuracy concerns me due to no reflection of payments made by a third party on my behalf. I was enrolled into a loan forgiveness program that temporally had access to my federal student loan account and made several payments that I initiated. Subsequently, none of those payments are displayed in the payment history for this account. This is deemed fraudulent and unverifiable. This creditor has also failed to list the original creditor on my personal credit report. This is viewed as harassment due to their inability to report accurate information. Under this premise, I strongly demand deletion of this fraudulent account. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

This letter is not written in order to request an investigation, that has already occurred, yet didn't solve this fraud issue. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.

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 2023-05-17 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:
Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.

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 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one auto finance has repossession my vehicle yesterday XX/XX/2023 for non payment. 

Capital one auto finance got a warranty refunds and was directed to apply it towards the full balance and they failed to comply. 

I also directed that refund to be applied towards the balance and it was not. I am finding out right now what it takes to get my back while Im filing this complaint. 

Not applying the refund for the full balance gave them the option to take my car and that is not fair at all in my contract it say that if they get a refund for a warranty I agreed for them to apply it towards what I owe. 

Capital agent told me that it only go towards the principal balance and not the past due but it dont state that in the contract. 


Please help me this caused me to have so much financial stress as they denied me other things please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
Company i have issue with : https : //wise.com/ Account registered under email XXXX Type of issue : They deactivated my account without reason. I have used it since XXXX, and for last 12 months using wise.com service as my virtual bank to recive payments of my busniess operations via USA based company in Wyoming. 
They closed my account on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 contacted Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX  XXXX XXXX XX/XX/XXXX {$720.00}, XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Office of Brett M. Borland, P.C.
State: IN

Complaint narrative:
I received a letter XX/XX/XXXX about the owed debt in which prior had communicated during a phone call not to contact me about debt. I had repeated calls in which after the letter was received made contact with them to provide in an email the reason this debt is not owed under Kentucky state laws of unlivable infestation of bugs. I emailed this information on XX/XX/XXXX to the law office of Brett Borland as they requested. The office then advised on XX/XX/XXXX that I should had disputed this with the credit collections company before the debt was sent to their law firm. I had advised the credit collections company that I dispute this debt. On XX/XX/XXXX I set payment arrangements to pay this debt off in which they said they do not report to credit bureau until paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX asking them to validate a debt that was furnished on my consumer report ( Experian ) .I disputed this account with the consumer reporting agency.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to XXXX XXXX XXXX on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the company lawfully had to respond to me.So they are way past the the 30 day mark.XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the consumer report.I have attached all correspondence below. Experian account # XXXX this count has never been marked disputed.

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 2023-05-17 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: IL

Complaint narrative:
I have disputed 12 times the payment information being reported to Experian on XXXX XXXX XXXX  account # ending in XXXX by XXXX XXXXXXXX XXXX. Every pervious dispute XXXX has stated they are reporting said account accreted in accordance with FCRA LAWS when in fact they have not been reporting accurate information for pass 6yr and I have sent repeatedly the same supporting documentation invaildating XXXX claim they are reporting accrated info in accordance with the FCRA LAWS. SO AT THIS TIME I'M DEMANDING THIS ACCOUNT BE REMOVED I SPECIFICALLY ASKE IF ONE ERROR IS TO BE FOUND ON THIS ACCOUNT BEING REPORTED TO EXPERIAN AFTER 12 PREVIOUS DISPUTES THIS ACCOUNT NEEDS TO BE DELETED. There was 4 error corrected on XXXX account on XXXX XXXX and still two errors currently reporting inaccurate information XXXX has had numerous of opportunities to investigate my consumer concerns and have dismissed every single one of my disputes. When in fact they have been knowingly violating my consumer right for years. To continuously report false information is fraud and XXXX has committed fraud I have attached two reports for what XXXX has been reporting for over 6yr now and the most recent 5 reporting error they corrected.

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 2023-05-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked the original creditor for verification of debt showing proof of debt address and other information concerning this debt I have never been to this facility for treatment Ive gotten no information concerning this debt it is identity theft Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated I do not own this debt nor did I agree to the illegal solicitation of my personal information

Company response to consumer: Closed with explanation