vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Stolen Check - Blatant Forgery Background I have a checking account with TD XXXX, now part of XXXX. Technically, the account is a brokerage account with checking services. TD XXXX offers these checking services in coordination with TD Bank. While I do not have an account at TD Bank, they seem to be the responsible party as they are the consumer bank where the check was cashed. 

Theft I mailed a check for rent in XX/XX/ in the amount {$2300.00} by putting a stamped envelope into a USPS blue box in XXXX XXXX XXXX at approximately XXXX XXXX and XXXX XXXX. I learned in midXXXX that the check was drawn against my account, but every line had been whited-out and written over in someone else 's handwriting, including a different name, different signature, and re-written amount, though the amount was also {$2300.00}. I filed a police report with XXXX Police Dept and opened a case at TD XXXX. It took a long time for the police to send a copy of the report, because they required me to submit a FOIL request, but I eventually did receive the report and submitted it to TD XXXX. 

Unresolved After multiple follow-ups with TD XXXX, they have told me verbally several times that they will not re-open the case, even though their representatives have told me they agree the check was clearly forged. They said it is actually TD Bank 's problem to solve. I spoke to TD Bank, and they disagree. Both sides have denied the claim even though their representatives tell me they sympathize and agree this was a forgery. ( In fact, they actually told me to contact their regulator! ) I am caught in the middle and would like to bring both parties together to explain who is responsible and then have one of them refund my check. 

Thank you very much, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
I get repeated calls constantly. It was your usual Robo calling. We finally decide to call them back and request they not to call any longer. We ask why they keep calling and was told of someones debt. I told her no purchase had ever been made by us and to please remove our telephone number. She hung up the phone! I then called back and a different person answered. I was told she would remove my number ; and of course we keep receipts the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened this account with XXXX XXXX around XX/XX/XXXX and I had a Credit Limit {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and I setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned onXXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on XXXX. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my AutoPay was still on and active when I signed into my online account and my payments weren't debited for two ( 2 ) months like they were in the past. The person told me that once my Account reaches XXXX XXXX XXXX '' balance, I have to go back online and turn-off and turn-on AutoPay again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with XXXX and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX  Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2023 I apply for checking account i was told no because of fraud.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: GA

Complaint narrative:
The original creditor has been satisfied with the return of telephone equipment that you never signed for. I have a XXXX balance with XXXX and the collection agency is using XXXX, XXXX XXXX and XXXX to bully a payment from XXXX consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortgage stated my home hazard insurance was expired very soon after taking over servicing of my mortgage. This was inaccurate as my insurance was paid at settlement just a couple months earlier for a full years term. Freedom has all my insurance information and is scheduled to pay the insurance out of escrow. Instead of verifying with the insurance company they automatically took out a more expensive policy and said I had to prove I still had insurance. The request came from a third party that was not Freedom mortgage and not using Freedom mortgage websites or phone numbers, so it appeared to be a scam. After I verified the insurance, Freedom mortgage rescinded the additional insurance. Reports from other Freedom mortgage customers on the internet report this is standard practice for Freedom mortgage even though they can verify customer 's insurance. This practice appears to be a deceptive trade practice by the mortgage company to try to get additional money out of their customers and put the burden on customers instead of verifying the insurance with the data they already have on file.

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 2023-10-31 00:00:00
Product: Credit reporting 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-31 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
About 2 months ago Bank of America XXXX XXXX XXXX bank account with about XXXX XXXX They closed my account and stated that they have sent a cashiers check via ups. After about. A week or two no check was received so I called Bank of America. They gave me a tracking number and I called XXXX numerous times finally I got through to someone and they said I had to file a claim for a lost package so I did. When I called to follow up after a few days I was told that I couldnt inquire about this package and only the sender witch would be Bank of America so I did. Bank of America representative said that the previous representatives that I spoke to were incorrect and escalated the situation. The supervisor or manager informed me that not to worry they will place a stop check order and would reissue a new check now its been roughly a month and a half if not more still no check. So I called back today this representative told me they cant do nothing I would have to still wait 120days and that they apologize that I was misinformed but theres nothing they can do. I have to wait 120 days and then they will resend it. My biggest fear is what If the check gets lost again do I have to wait an additional 120 days. I will loose my business by then. I already experienced great hardship over this and am at risk Id loosing my livelihood because I cant get access to my money. I need help and dont know who to turn to for help. They back is refusing to help me they say I must wait. Is this 120day hold legal what can I do about this

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediateLY

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 2023-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
My vehicle was repoed due to delinquent payments I haven't been able to work & during XXXX repping my vehicle my drive shaft, transfer case and front differential transfer were broke during repossession because the key fob wasn't present at the time of them pulling/taking my XXXX XXXX XXXX XXXX XXXX XXXX the differential and transaxle & transfer case all XXXX were broken during repossession that took place at XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. They did not use key fob & damage my suspension underneath my vehicle. Now it's leaking oil through transfer case and axle plue XXXX XXXX XXXX XXXX XXXX XXXX differential. Over $ XXXX in damages & repair needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I applied for the SAVE payment plan in XXXX. They now say that they can't complete my application until I pay an amount as indicated by an email and letter. I never received either of these. They are still saying I owe my normal payments that I can't afford while they continue to refuse to finish my application. I just want to fulfill my obligations and they are not fulfilling their contracted obligations to me and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of identity theft Due to my mother opening an account with Discover Bank. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account and I shouldn't have to pay for something i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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:
Compliance procedures 15 U.S.C. 1681 section ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian has failed to follow the law regarding verifying and reporting accuracy. I am a victim of an identity thief, and Experian keeps verifying accounts disputed that I am not liable for. I requested proof of the validation from Experian but received no response. I yielded all necessary documentation to support the dispute. I am asking them to remove all erroneous accounts from my credit report. 15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions ; therefore, my rights were violated. I DEMAND ALL ERRONEOUS ACCOUNTS BE REMOVED IMMEDIATELY. The following are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I know that Experian Consumer Services is facing Injunction and an {$650000.00} Civil Penalty. I hope that with this lawsuit the company starts to truly protect consumer now.

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