vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX OF XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-27 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: TX

Complaint narrative:
On or about XX/XX/2017- XXXX. XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, Transunion, XXXX, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX Account # 1234, 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 After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.

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 2022-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA Auto loan in the Amount of {$12000.00} that part of the multimillion settlement. Auto loans from XX/XX/XXXX, XXXX XXXX Was supposed to settle by deleting loan balance off consumers credit report. Instead its reported as a charge off and sold to another company XXXX XXXX XXXX. When this account should no longer exist on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Fraudulent Transaction Complaint for JP Morgan Chase XXXX XXXX XXXX Account. 

] To whom it may concern, I, XXXX XXXX I am filing a bank fraud complaint for JP Morgan Chase Bank XXXX XXXX XXXX Account. 

Dispute amount : {$29000.00} Between XXXX, Unauthorized account access of my chase safe deposit box account located in XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I have {$29000.00} cash in it. On XX/XX/2020 I found out the cash are all gone and filed dispute to Chase bank with denial for no reasons. Safety box need key to access. We never lost our safety deposit keys. The safety deposit box doesnt have any sign of damage. It appears to be Chase stuff stolen the fund. 

I beg to inform you that this transaction was not carried out by me in any form. Please kindly look into the matter and guide me through the best possible solution to this problem. Please advise me know to recover my hard-earned savings. Please help me to get my stolen {$29000.00} from JP Morgan Chase. 

If you have any questions, please call me XXXX at mail me to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX Bank {$660.00}, XXXX XXXX Bank {$590.00}

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 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: KY

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX to verify if my account was closed and paid in full. Can not remember if I made a final payment at that time or before. I spoke to supervising agent ID # XXXX whom verified that my account was closed and paid in full. XXXX has since added additional charges, turned me into collections and continues to try and collect moneys not allowed to them. 

Since they continue to attempt to collect charges not owed, I would like to make you aware that since I upgraded with sprint in XXXX, they continually over charged me on a monthly bases. I have two specific, on line conversations with XXXX representatives that concur with my beliefs. Please allow a corporate lawyer to contact me if they believe I have a case case against this company. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me. 
Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: NY

Complaint narrative:
There is two unauthorized inquiries From 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 non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I subscribe to an credit monitoring service. I was informed that a new acct was opened by Credence Resource Management for {$970.00} for an unpaid XXXX XXXX XXXX XXXX acct for service from XX/XX/XXXX to XX/XX/XXXX. I never opened this account nor did I authorize use of my info to open this acct. I never lived in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
My credit card account was sold from XXXX XXXX to Goldman Sachs. After the transfer, my auto payment had to be set up with the new company. I attempted to do this on their website multiple times, and got a confirmation page each time and in the meantime began to receive notices that my payment was past due. They have reported two payments in XX/XX/2022 showing a delinquency of more than 30 days. I asked them to remove them due to a system error that caused my payment to be late and they said they would not. Prior to XX/XX/2022, there has never been a late payment on this card and I have held it for over six years. 

Additionally, their system is unreliable. On XX/XX/2022, I was unable to access my account on their website, app, or by phone. My XXXX payment was due on the XXXX and there was no possible way for me to pay it. I paid it on the XXXX when I was able to and they canceled that payment without reason and applied a {$29.00} late fee to my account. On the XXXX, I phoned them to correct the payment and late fee and they declined to do either. 

This company is run poorly, behaving unethically, and offering no resolution to the problems they are creating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: CA

Complaint narrative:
I have a dispute with XXXX and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with TransUnion. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX reporting the fraud, but this is still on my TransUnion account . Also the same XXXX XXXX  account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.

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 2022-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital one before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital one to furnish any late payments to my consumer report. It is my belief that due to Capital one business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The below creditor is reporting inaccurate information to my credit report. Falsifying that payments are late although they are taking the minimum monthly payment electronically from my checking account on the XXXX of every month. 

Creditor XXXX  XXXX XXXX account number # XXXX Please remove this account in accordance to my federally protected consumer rights under the FAIR CREDIT REPORTING ACT as this XXXX  is violating law 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.

I have filed multiple complaints. Every complaint comes back closed - Updated or verified but with no documentation of proof on what was updated or how this inaccurate information was verified. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete 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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Good morning, My complaint is with TD Bank and their Banking practices. 


I made several ATM deposits into my savings account to ensure the monies would be available to cover my final payment for my auto loan. This was done on XX/XX/2022 However, on XX/XX/2022, TD Bank stated two of these were already cashed. Based on two mobile deposits made in early XXXX. The duplicate checks were deposited into my account ending in XXXX and instead of them making the adjustment from the account that showed duplicate checks they took the monies from my accounting ending in XXXX which is not connected to my XXXX accounts. 

This caused my XXXX accounts that already had monies available to cover debits allowed to be debited from this account they took these monies for the adjustments that should have been taken from the XXXX accounts. 

Now the XXXX accounts that had available funds that were allocated for debits were now taken for the adjustments causing the account to be overdrawn. Causing those debits to hit multiple timesrepeatedly rejecting, reprocessing, and charging one or more NSF Fees on the transaction before finally authorizing it and then charging an additional OD Fee on that item, the complaint charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27 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: Grow Credit Inc
State: CA

Complaint narrative:
just received another late payment as a result due to the HIPAA law I can not show you my doctor 's note but I am on a broken foot and I ca n't drive anywhere so it's impossible for me to be the police report this is getting out of ******* hand in this should be rectified immediately this is not my account I spoke to someone in XXXX they stated that I did not have account and there was nothing that you guys paid out neither have I ever been consulted with them So what exactly did you guys pay out and give. It wasn't for me this is not my account it gives me not driving I can not go get it this report this needs to be taken care of and I need a letter immediately to send to the credit Bureau or else I will be reaching out to a lawyer to sue you guys on my behalf because this is getting out of hand. false report reporting 2 late payments and it closed. this account was not open by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: KS

Complaint narrative:
Called multiple phone numbers, I never get transferred to XXXX. 
On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it by XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to ZERO balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over 950pts if I had all of my points back that Experian has stolen!!! 
I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! 
My Credit Reports and Scores are EXCELLENT with XXXX and 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 2022-07-27 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: MD

Complaint narrative:
I disputed something with the credit reporting agency, after 30

days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ). I want this
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 2022-07-27 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: AL

Complaint narrative:
On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

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