vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED XXXX  XXXX # XXXX, Account Name : US DEPT OF EDUCATIONXXXX # XXXX, Account Name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I wrote a check for {$170.00}. to my accountant on XX/XX/XXXX and deposited the check in a local mailbox. About 1 month later, my accountant asked about the payment, and I checked my records and found that the check had been altered and paid in the amount of {$9800.00}. to XXXX XXXX XXXX through TD Bank in XXXX, NJ. I contacted my bank, XXXX XXXX, and let them know of the fraudulent payment. 

I completed an Affidavit for Altered Check or Payee on XX/XX/XXXX, and my bank demanded reibursement from TD Bank on that same day. On XX/XX/XXXX, TD Bank responded to XXXX XXXX, asserting that my signature was forged and thus XXXX was responsible for the loss. Numerous times since then XXXX XXXX has attempted to correct TD Bank 's reasoning, because the payee and amounts were forged, not my signature, but TD Bank has not responded in any way to these requests. 

I mailed a letter to TD Bank XXXX XXXX on XX/XX/XXXX, trying to correct the record about what they alleged to be my forged signature, and have not heard from them. My husband and I attempted to call TD Bank Fraud Operations on XX/XX/XXXX, and were unable to reach anyone who would talk to us about this case, and the people we did reach appeared to be unable to even pull up the case file, and they moreover refused to transfer us to the Fraud Operations staff. Apparently this group only communicates by email, and as noted above they have refused to respond to XXXXXXXX XXXX XXXX inquiries for the better part of a year. 

Letters documenting the above will be attached below. 

The TD Bank case # is XXXX Acct XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 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: VA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Creditor : XXXX XXXX, Account : XXXX Credit Inquiry from XXXX - XXXX XXXX XXXX Info : Type : XXXX XXXX- XX/XX/XXXX Credit Inquiry from XXXX XXXX XXXX Inquiry Info : Type : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : 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 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 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
last year an online gambling company fleeced around XXXX from me. 

this happened between XXXX and XX/XX/2022. 

and it was in XXXX that I learned online gambling is ILLEGAL in California. 

so I asked the online gambling site to return what they fleeced. 

at first they agreed and send me a software to snip out the paid amounts from my bank statements which totaled around XXXX such transactions. 

but then they reneged!! 

so I reported this to chase and they began to credit back the charges, but then they stopped after charging back a few of them!! 

so I brought this to the attention of their exec office who told me that I should provide them with a law enforcement report. 

and so I did. 

but then they contradicted themselves and said that it has no bearing!! 

and this is why I'm contacting you. 

to see to it that chase is held responsible for their actions. 

that they're held responsible for financing a gambling site which is ILLEGAL in California. 

as such I want to see the money fleeced from me by the gambling site which was financed and accommodated by chase returned to me. 

and if you can punish them I'm for that as well. 

thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I never received a letter letting me know that this company was attempting to collect a debt. I got a few years ago and my last name has changed. I sent in a letter via mail for debt validation and I called the company. 

Also, Jefferson Capital is not licensed to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these companies has 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
1 ) I did NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) 2 ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. 2023. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments 3 ) TransUnion currently shows 2 active mortgages ( all with same info only different mortgage companies ) on my credit file. which is incorrect 4 ) Also TransUnion received original complaint XX/XX/2023, but did not give a response in the lawful 30day timeframe in which anything not verified within the 30days is to be deleted.

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 2023-06-22 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: IA

Complaint narrative:
XXXX has already removed the XXXX XXXX XXXX account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT

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 2023-06-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

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 2023-06-22 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: FL

Complaint narrative:
I did NOT give any Credit reporting agencies to give my private information to any other XXXX parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. 2023. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau XXXXhat my account as up to date for all payments Also Experian received original complaint XX/XX/2023, but did not give a response in the lawful XXXX timeframe in which anything not verified within the XXXX is to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. My credit score drop with XXXX XXXX XXXX points and it dropped with Experian XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But Experian and XXXX XXXX allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes XXXX. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

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.

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate. 

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.

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 2023-06-22 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: FL

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried to have this situation resolved with no resolutions. XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$2300.00}.

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 explanation
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian has violated my rights. I do not authorize these negative accounts to be added to my report : XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-22 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:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried to have this situation resolved with no resolutions. XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OH

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request and Im not a XXXX XXXX XXXX XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation