vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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: TX

Complaint narrative:
The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. Experian and XXXX XXXX I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection account. XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX XXXX on Experian 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 2022-07-31 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:
See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.

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 2022-07-31 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: FL

Complaint narrative:
See attached documents, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.

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 2022-07-31 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: Self Financial Inc.
State: PA

Complaint narrative:
# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # 12345, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
My outstanding balance of {$1000.00} was due on XX/XX/2022. 

On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX. 

On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}. 

This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies. 

In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card. 

On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any. 

On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance. 

I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action. 

I informed the associate that TD credit card has until XX/XX/XXXX to response. 

The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/22, I informed the company Experian of reporting inaccurate information on my consumer report. Ive disputed the validity of XXXX XXXX XXXX, requesting proof of my signature to confirm that this assumed debt is mine. Ive requested this information numerous times and have never received any pertinent information. The account is reporting as paid for a collection/ charge off but does not include in the comments that the account is disputed. The payment history on the account is also reporting inaccurate information. On another account reporting by Experian is XXXX XXXX, there is inaccurate/ unverifiable information reporting including the account status ; the date open ; the last reported date ; the comments ; date last active ; date of last payment ; and payment history. I've requested the method used to report these accounts to my Experian report, as the consumer what authorization was given for these accounts to be reported, I want the entire file on these accounts to include my signature on the original contract.

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 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My account got hacked On the XXXX of XXXX. I contacted the bank on XXXX of XXXX and they told me a 3 the 10 business days. it's now been then over 22 days I have talked to them on the phone for over 4 hours. I've had to resubmit multiple times my issues. I've been given multiple phone calls that phone calls that this has been resolved. The money is still not back in my account and every time I call them they have to resubmit an issue to the fraud department. The bank is usaa and I need this money to pay bills My electric bill and my water bill are about to be turned off and I'm behind on my mortgage This money will help out due to the fact that I just lost my job and started a new

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Their online banking account access does not calculate the running total correctly. I reported it a couple months ago and they were very nice and prompt in their response, but still nothing done. 

Here 's the thing. They did it correctly for years, and it only started when they decided to " freshen up '' the website with a new design ( which does nothing but confuse people because now that they've trained us to use their site efficiently, they change it and we have to learn it all over again - totally unnecessary waste of time ). So we know that they know how to do it, and that they already have the computer code to fix it. They just need to scrap the new design and re-load the previous one. But they're too XXXX  to do it, that would be admitting failure for their IT pros.

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 2022-07-31 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2020, MIDLAND CREDIT MANAGEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am not responsible for this account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, MIDLAND CREDIT MANAGEM has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My transactions take about two weeks to complete pending. Ill have transactions pending from the week before, and all of it comes out the few days before Im paid so my account hits the negative. Sometimes I get charged for that. Why do my transactions pend for so long?

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 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On or about XX/XX/2022 my account was breeched and my HIPPA privacy was affected. My personal information was given to gentleman ( my ex ) in regards to how much money was given to me and the fact that I was behind due to XXXX  XXXX. This not only caused emotional distress but the local police had to be called to defuse the situation. It has caused unnecessary stress to the point I had to see my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: FL

Complaint narrative:
On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score.

I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.

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 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wired the money to an account to the XXXX XXXX XXXX XXXX, on XX/XX/2022 with the help of Chase banker at Chase Bank in XXXX XXXX, Illinois. 
The Chase Wire Tracking Number is XXXX and the funds ( $ XXXX ) were said to be available on XX/XX/2022. 
Later that night, I realized that Id been scammed so the next morning, on XX/XX/2022, I immediately went to my local Chase branch to see what could be done about canceling the wire transfer. 
I asked the banker if the transfer could be stopped, and I was told that Chase will investigate and should be able to get my money back since the transfer wouldnt be available until XX/XX/2022 anyway. 
Today is XX/XX/2022 and I still havent heard anything from the investigation of this fraud. 
Please let me know if I need to provide more information into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
In accordance with the fair crEdit Reporting act XXXX Accouff # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for all purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TX

Complaint narrative:
The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. XXXX and Trans Union I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection accountXXXX XXXX XXXX XXXX XXXXXXXX on Trans Union and XXXX XXXX XXXX  on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2018, AMEX added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. According to the FCRA, AMEX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: IL

Complaint narrative:
In the dispute case XXXX, the creditor, XXXX Bank, confirmed the historical XX/XX/2022 balance. In the meantime, the creditor, XXXX Bank had also sent the current XX/XX/2022 balance to Equifax. 

Equifax incorrectly overwrote the current XX/XX/2022 balance with the historical XX/XX/2022 balance thus adversely affecting my credit. I am currently applying for a home loan and it is likely that this will result in a significant financial loss due to higher rates. 

When I discussed this Equifax supervisor, badge number XXXX, she refused to assist. This is a violation of my rights under FRCA. legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF ED/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 explanation