vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-05-02 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: AR

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I tried to make a cash deposit in the TDBank ATM at XXXX XXXX XXXX  XXXX XXXX. The ATM took my cash, exactly {$500.00} and then malfunctioned and flashed a message indicating that I should take my cash. But there was no cash to take. I noticed that some bills were visible inside the slot but I could not get a grip on them. After some effort I did manage to extract {$40.00}. The ATM then messaged me to see someone inside the bank, and a few seconds later it said OUT OF ORDER '. 

I went into the bank and sat with someone who filed a complaint but told me she could not operate the ATM directly. Four days later I received a letter from TDBank denying my claim. But I noticed they had investigated the wrong ATM ( XXXX, XXXX  ). 

I went back to the bank again on XX/XX/XXXX and was told the system was down. I left my information with a bank officer who assured me he would take care of my issue when the system was back up. 

I returned to the bank again on XX/XX/XXXX and was told my claim w as not filed as I'd been promised. A manager I sat down with filed a claim with the correct information ( I assume ). 

Today, XX/XX/2023, I returned to the bank for the fourth time. I sat down with the person who filed my original claim ( with the erroneous information ). She seemed very confused and unable to provide any useful information. After 30 minutes, I left the bank. 

They still have my {$460.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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.

Complaint narrative:
My equifax account shows information of someone else. The address XXXX XXXX does not belong to me. The phone numbers does not belong to me. Accounts and inquiries dono belong to me. I contacted equifax several times and its been three years XXXX  i came to XXXX but equifax claims that information is all mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


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 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I paid off one account I had with this company. There were two accounts they had in my name that owed over XXXX dollars. On XX/XX/2023 I was notified from their managers email that one of the debts were false so it would be taken off my report. Ever since XX/XX/XXXX I have not been able to get in contact with the manager and the false report has not been removed from my account. When I call the procollect number the associates are very rude and only answer my questions with you have to email the manager I just want an answer as to when this will be removed or if it even will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: PA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greenberg, Grant & Richards Inc.
State: CA

Complaint narrative:
XXXX XXXX a rep for GREENBERG , GRANT & RICHARDS INC. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX contacted me on XX/XX/XXXX about collections with quickbooks over payroll. My company missed payroll in XXXX and XXXX covered it. I had a XXXX XXXX during this time and my mother in law died a few days later. This was no excuse, but I was going through a lot. I had every intent to pay this debt. XXXX XXXX XXXX stated that he worked for a law firm and had been retained to take care of this matter. He implied he was a lawyer, when he is not. He stated that XXXX has a zero tolerance towards payroll and my failing to cover payroll could be construed as intentionally committing fraud which is a felony. He stated to me that he would prefer to get this handled before they " go this route '' but I had to start making payments now. All I had was XXXX which I paid. He wanted another XXXX on a specified date and the remaining amount on another specified date. I am seriously ill. I missed the second payment because receivables had not cleared my business accounts. When the payment was missed, he stated that I had committed multiple felonies with the intent to commit fraud that crossed state lines. I told him that I was trying but having serious health issues and family issues. I paid the XXXX a few days later and was told I could pay the rest at the end of XX/XX/XXXX. A few days later while being with my mother on her death bed ( she died that day ), I was again harassed by XXXX XXXX about payment ( though he already told me I had until the end of XXXX ). On XX/XX/XXXX I paid the debt in full to XXXX XXXX XXXX. 

I realize I owed a debt. The tactics though by XXXX XXXX XXXX should be considered illegal. Having a XXXX XXXX, mother in law die, then my own mother dying and then having to endure threats by XXXX XXXX is unacceptable. I have copy of emails that shows the threats. My wife was present when he represented himself as an attorney. 

I have 3 master degrees, graduated from XXXX XXXX  ( not an attorney ) and I am a former XXXX XXXX. SO I know the laws. I know the actions that he made to try to intimidate me are illegal. Quoting the law and implying he was an attorney could also be construed as practicing law without having a bar card with the state of California. I want a formal investigation done on this individual and appropriate fines against GREENBERG , GRANT & RICHARDS INC.who is vicariously liable for the conduct of their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federal Protected Consumer Rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$6400.00} XXXX XXXX Account # XXXX Date Opened : XXXX XXXX Amount : {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$3700.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$23000.00} XXXX XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} has violated my rights. 15 U.S. c 1681 section 602 A States I have the right to privacy. 15 U.S.G 1681 section 604 A Section 2 : it also states a Consumer reporting agency can not furnish an account without my written instructions. 15 vis. 1681 c ( aX5 ) section States no consumer reporting agency may take any consumer report containing any of the following items of information any other than records of convictions of Crimes which antedates the report by more than seven years. 15 US. C 16815 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. privacy and Confidentiality under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Today I called the phone number on the back of the JCPenny 's card which directed me to Synchrony Bank. It then asked me for the last 4 digits of my social. When I got through to a person after waiting 45 minutes the woman in turn said I can't take your payment and that I needed to call JCPenny 's Customer service. So I decided to call the customer service number directly. It appears that Synchrony closed my account without my knowledge even though I have been paying on this card on time every month. Its like they deliberately trying to get me to pay fees. I couldn't pay my payment which is due today because the number I called back for Synchrony said they closed at XXXX XXXX XXXX. This bank is so unfair and unjust to the consumer who is just trying to keep the credit right. This credit system is all A GAME FOR POOR PEOPLE TO PAY FEES AND HUGE INTEREST RATES.

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 monetary relief
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XX/XX/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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am trying to pull my transunion report online and am simply getting " We're unable to complete your request online. '' and the only option is to call them and on calling them they can only snail mail me a report at 7 bubsiness days. 

I have called and the number listed on " call here since since can't do it online '' can't tell me how to resolve it online and can only mail be a report and can't tell me how I can get an online report in the future. They have me an online department number. Called them and they can only say " change browers '' which I did and tried to go both through annualcreditreport.com and transunion.com and both told me the same - no ability to get online report. 

Online department ended with " a supervisor will call you within 72 hours '' and at this point have zero expectations of getting a call and was just a way to get me off the phone. 

I can pull my online experian, and XXXX no problem but transunion is a no go and are not willing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
HARRASSMENT Second attempt of foreclosing on me while I am on XXXX Forbearance related assistance program. 

This is a federal VIOLATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-05-02 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation