vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-04-22 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: TCF NATIONAL BANK
State: WI

Complaint narrative:
On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do. 
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me. 
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand. 
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees. 
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
I am simply requesting the removal of ( XXXX XXXX XXXX XXXX ) from my Experian credit report because the date last updated was on XX/XX/XXXX even though this account was disputed in XX/XX/XXXX and in XXXX of XXXX This is a fcra a violation for not following through with a sufficient reinvestigation. 

Please see attachment

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 2020-04-22 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: NY

Complaint narrative:
( XXXX XXXX XXXX XXXX ) was disputed back in XXXX and XXXX XXXX XXXX but still shows on Experian date last updated on XXXX XXXX. This a violation of FCRA rules for not following through with sufficient reinvestigation. 

Please see attachment ;

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 2020-04-22 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: NY

Complaint narrative:
Experian did not fix error on my consumer credit report. ( XXXX XXXX XXXX ) currently reports as verified, while still reporting a last date updated was in XX/XX/2018. This is a violation for not sufficient be investigating this account.

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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-22 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: NY

Complaint narrative:
Equifax did not fix error on my consumer credit report. XXXX  XXXX XXXX XXXX still appears on my Equifax report even though I identify multiple violations of FCRA rules Including ; reporting negative remarks in payment history after account has been closed or charged off. A violation of fcra rules, even though identified to Equifax that last date of payment was in XXXX of 2012. Equifax currently reports no date of last payment, a violation of FCRA rules section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2020 contacted company to make XXXX Payment - accepted as paid in full. XX/XX/202, submitted XXXX payment - accepted as standard payment but still received bill requesting I submit another lesser amount for XXXX payment without acknowledging XXXX payment. Tried to make contact utilizing e-mail services only to be told to call operators. Covid-19 issue has overloaded phone lines but company insists that I call. Tried phone contact only to be coerced into automated system which has no parameters for this type of inquiry. Tried e-mail contact again only to be ignored. If I do not make SECOND monthly payment, I will be charged LATE fees due to their lack of responses to my questions. If I had unlimited funds, this credit card would be paid in full.

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 2020-04-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX bank and the credit bureaus are 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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in  accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal  responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are 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 2020-04-22 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: MD

Complaint narrative:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: LA

Complaint narrative:
Collector Sold the same old account that has been disputed n removed from report. Before any knowledge of XXXX  breach I was having issues answering any security questions for verification. After being inform to identifiy thief I started repairing my credit. Thats when a collection near the statue of limitations got sold then re-age also double reporting to hurt my score while being repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
This is a problem I had with XXXX XXXX in XXXX NJ in XXXX of 2013. The owner called me and said he had a pre approval for the car I always wanted. Me being a car person was interested but could not afford another vehicle at the time and let the salesman/owner know that, so they persisted saying what if I could pay next to nothing monthly for the vehicle would I take it? I replied of course I would and then he said ok come down and Ill make it happen. I proceeded to go there and they verbally informed me that I didnt have to pay for 6 months and then XXXX for 6 years. That was perfect he didnt write any paperwork and then gave me the car with no signature or anything. I didnt even know what bank I had to pay until I was called 3 months later by Santander telling me I owned them XXXX dollars and I was 30 days behind on my payments. Now I voluntarily returned the vehicle and suffered for 7 years with horrible credit because of this company and they refused to remove this from my credit report with no proof of any documentation, no proof of my signature, no proof of anything that coincides with the fair credit reporting act and then to top it all off they changed it from paid to unpaid now. Which it was paid and reported as paid for years and now put it as unpaid while not abiding by the law of the United States and trying to belittle my rights to question them. The contract they have is null and void because the agreement I had is with the dealer who will also not have proof because nothing was signed and under the fair credit act this entire report should be removed from all reporting agencies XXXX, XXXX, and XXXX. If it is not I will move to whatever lever necessary and make sure the media is notified about my case and all the measures taken to help me fix this from this point on. Thank you in advance for reading my unfortunate chain of events and I would greatly appreciate exposing the lies of all these banks because they can get away with doing it. I know this is much bigger then just myself, and I will write a letter to whom ever necessary to show them I paid them and now they are saying I didnt so they can claim it as a loss and collect insurance. Unfortunately it was paid years ago, and it showed on my credit report when I paid it. As of this week it changed to unpaid and charged off. Let me know the following steps I am going to need to take. Thank you my proof for all this is they dont have my identification and have my name wrong and address. If I provided them with paperwork they would have written it as it was seen on my ID but obviously they Fraudulently pushed the paperwork through and I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: LEXISNEXIS
State: IA

Complaint narrative:
XXXX  has failed to remove or reinvestigatebthe bankruptcy information they claimed they verified through Lexis Nexis. I have disputed this information 3 times with XXXX. After my first reinvestagation XXXX  stated in writing that they verified these bankruptcies ( public records ) as accurate. I have letters from the courts verifying they never verified anything with any CRA period. I also have a letter from Lexis Nexis stating they could not verify the bankruptcy information and that it was also removed from their records. Lexis Nexis stared they filed disputes with each CRA however the inaccurate info is still reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: NE

Complaint narrative:
Hello, I have a NetSpend prepaid Mastercard debit card which I used to get my prior year tax refunds direct deposited into. I received a letter from the IRS that the {$1200.00} Economic Impact Payment was ready to be deposited into my account on XX/XX/20. It's now the XXXX, 7 days later, and I still have no word from NetSpend that the money was deposited. I've called them and checked my online account with them daily ; but it hasn't done any good. Surely they can't just keep my money can they? Why won't they acknowledge that the money arrived? The letter from the IRS shows the last 4 digits of my NetSpend account number. 
I hope you can help me. Thank you.

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 2020-04-22 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: Lendmark Financial Services
State: KY

Complaint narrative:
This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies

Company response to consumer: Closed with explanation