vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXX Account : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed Credit acceptance XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Account has been paid off 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 2024-05-26 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: TN

Complaint narrative:
In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.

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 2024-05-26 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: TN

Complaint narrative:
In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I requested documents and never received them within 30 days. This debt is not mine and it is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a td bank account. I wanted to add a large amount of funds to my td account. I also have a personal checking XXXXXXXX XXXX XXXX that I use. Therefor I went to XXXXXXXX XXXX and asked for a cashier check in my own name to make a deposit into my td bank account. I did that instead of asking for a large cash withdraw just to simply put back into my td bank account. Td bank has then froze all of my funds. The checks were in the amount of XXXX and XXXX. I also had a previous amount of funds in my account before the checks were deposited. Thats all my money I have and I have a whole family and bills to pay and td wont give me access to my accounts saying that my XXXXXXXX XXXX cashier checks arent legit. I then went to XXXX XXXX and asked them to provided documents for these checks and my statemnwnt with receipts showing proof. But yet td still refuses to release my funds. I despair the checks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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:
This account was charged off on the following date : XX/XX/scrub>XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : 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 2024-05-26 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:
This account was charged off on the following date : XX/XX/2 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: MS

Complaint narrative:
My information was compromised by the XXXX data breach, I've never been able to recover from my information being all over the web.

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 2024-05-26 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
My information was compromised by the XXXX data breach, I've never been able to recover from my information being all over the web.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
My XXXX XXXX vehicle was repossessed by a unknown towing company. 

15 USC 6802 Financial institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXXXXXX Partial Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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:
I pulled copys of my credit reports and noticed FRAUDULENT INQUIRIES AND PERSONAL INFORMATION that needs to be DELETED within four business days of receipt of this letter and updated. Pursuant to 15 USC 1681c-2, I DID NOT originate nor authorize these fraudulent accounts to be reported to ANY credit bureaus. PLEASE SEE IDENTITY THEFT REPORT ATTACHED.

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 2024-05-26 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: TX

Complaint narrative:
I pulled copys of my credit reports and noticed FRAUDULENT INQUIRIES AND PERSONAL INFORMATION that needs to be DELETED within four business days of receipt of this letter and updated. Pursuant to 15 USC 1681c-2, I DID NOT originate nor authorize these fraudulent accounts to be reported to ANY credit bureaus. PLEASE SEE IDENTITY THEFT REPORT ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I can not access my report from Transunion

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 2024-05-26 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: TN

Complaint narrative:
I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my Experian credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.

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 2024-05-26 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: NY

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

I request that you promptly remove these accounts from my credit report, in alignment with the actions taken by other credit bureaus. Failure to do so will compel me to pursue legal action. 


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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have several hard inquiries on my credit report I did not make neither did I authorize those hard inquires. I have disputed these items several times and Equifax refuses to do anything about this situation. this situation needs to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
XXXX sold my mortgage to NEWREZ XXXX I have had mortgages for 40 years on different properties, always insured. I live in New Mexico on a very high rise hill, New Mexico has been in a drought situation for fifty years. I received a threatening notice from NEWREZ last month demanding I produce " Flood insurance '' or else they will and charge me an exorbitant fee for this 'service '. I sent the letter with my payment to XXXX XXXX XXXX  asking them to contact NEWREZ. Apparently they did not. I received another threatening notice last week from NEWREZ saying they will set up flood insurance at a cost of {$2000.00} a year if I do not do something. They have no idea where my home is or how safe it is from flooding. No IDEA. I contacted my local XXXX XXXX office and they are going to get me a cost for flood insurance through their offices. I am shocked and a little frightened by the ability to threaten a mortgagee with this kind of ludicrous money-grubbing method. I have never filed a claim in my life. This kind of corporate threat is becoming more and more common. I do not need flood insurance. my home is at least 200 feet higher than the surrounding area, NEWREZ has no reason to demand flood insurance. I am thoroughly disgusted with the incredible behavior of corporations today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-27 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I SUFFERED FROM IDENTITY THEFT. I WENT TO CHIME AND DISPUTED THE TRANSACTIONS FROM MULTIPLE COMPANIES.THERE WERE UNAUTHORIZED AND FRAUDULENT TRANSACTIONS DONE FROM A FEW COMPANIES. I PROVIDED A HAND WRITTEN, INK STATEMENT SAYING I DID NOT AUTHORIZE SAID TRANSACTIONS FROM SAID MERCHANTS. THE EXACT EXAMPLES ARE " XXXX '' AND " XXXX ''. THEY DECIDED TO CHOOSE WHICH TRANSACTIONS THEY CHOSE TO DENY WITHIN HOURS AND WHICH TO ISSUE MY TEMPORARY CREDIT. THEY FOLLOWED TO CLOSE MY ACCOUNT AND NOT PROVIDE ME WITH INFORMATION AS TO HOW THEY DECIDED THEIR VERDICT. THEY HAD ME OPEN A REBUTTAL AND XXXX TICKET ORDERS LATER THEY CHOSE NOT TO GIVE ME INFORMATION REGARDING WHO OR HOW THE " INVESTIGATIONS TEAM OR DEPARTMENT '' CAME TO THEIR VERDICT. ACCORDING TO THEIR XXXX  " NO LIABILITY POLICY '' I AM ENTITLED TO A TEMPORARY CREDIT AS THEY CONDUCT THEIR INVESTIGATION. NO ONE IS ALLOWED CONTACT THEIRT INVESTIGATIONS DEPARTMENT AND THEY CANT EVEN GET A HOLD OF THEM LET ALONE KNOW WHO WORKS ON THESE DISPUTE CASES. 
THIS HAS CAUSED MY FAMILY A LOT OF HARDSHIP AS TO ME HAVING TO BORROW MONEY WHILE THEY GIVE ME NO ANSWERS. I AM IN A FINANCIAL HARDHSIP AND WHAT THEY ARE DOING TO ME IS WHAT THEY DID TO THOUSANDS OF PEOPLE RECENTLY. THERE WAS A XX/XX/XXXX RULING ON CFPB ORDERING THEM TO PAY BACK OVER A MILLION DOLLARS FOR THE SAME ILLEGAL PROCESS THEY ARE CURRENTLY DOING TO ME. ALL I ASKED AND ASK FOR IS THE TEMPORARY CREDIT I AM DUE ACCORDING TO THEIR POLICIES AS THEY CONDUCT THEIR INVESTIGATION. 
I HAVE ALL AND MANY MORE OF PROOFS OF WHAT I SENT TO BE COMPLIANT. WILL SEND MORE IF ASKED. 

IN THE EXAMPLE OF XXXX  OR XXXX, I ALSO HAVE " XXXX XXXX  '' IN WHICH I NEVER USED THEM BEFORE THE DISPUTE OR AFTER, BUT THEY PICKED AND CHOSE WHAT THEY WOULD ISSUE TEMPROARY CREDIT TO AND WHAT THEY WOULDNT ALTHOUGH THEY WERE DONE ALL EITHER A DAY OR HOURS IN BETWEEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear KOHLS/CAPONE, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Revised Statutes regarding identity theft and fraud.

It has unequivocally come to my attention that KOHLS/CAPONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Missouri 's identity theft statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for KOHLS/CAPONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that KOHLS/CAPONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KOHLS/CAPONE will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation