vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
NORDSTROM ACCOUNT XXXX OPENED DATE XX/XX/XXXX AMOUNT {$4800.00} RESPONES WAS SENT I DO NOT AGREE I WOULD LIKETO CONTINUE THIS COMPLAINT, THE SO-CALLED PROOF WAS NOT ACCURATE. 
THE PROOF THAT WAS SENT IS INACCURATE THE APPLICATION SAYS IS WAS APPROVED WITH A SOCIAL SECURITY NUMBER THAT IS NOT MINES ( XXXX ) ( EMAIL XXXX NEVER BEEN ASSOCAITED WITH ) ( ADDRESS XXXX XXXX XXXX  XXXX I NEVER LIVED THERE ) CREDIT STATEMENTS I NEVER RECEIVED IN THE PAST BECAUSE I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I WAS XXXX  FROM 2014-2021 IN 2022 I MOVED IN A XXXX  XXXX   FOR XXXX XXXX  VICTIMS. 
2023- CURRERT XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
AS I STATED IN MY POLICE REPORT THIS WAS AN ACT OF XXXX  FRAUD WHILE XXXX. PLEASE REMOVE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a letter from TD Bank signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that TD Bank had attempted to contact me, which is inaccurate. I received one call from a TD Bank employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a life alert scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My XXXX XXXX  is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-09-17 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: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My information was leaked in a data breach, this alleged car loan was signed for using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Write of Execution XXXX. XXXX XXXX XXXX  is refusing to update the credit file. I have requested it several times and each time they continue to say I owe a past due balance of {$7400.00} and that the account was charged off as a bad debt. They agreed to a payoff amount of {$5900.00} on XX/XX/2024 with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it was paid in full to the XXXX XXXX XXXX XXXX via Certified Bank Check from XXXX XXXX XXXX XXXX and processed through the court system. I have even filed disputes with all three credit bureaus. They have refused to update the account information, even with documentation to prove it was paid to them. They need to have my credit file updated to correctly show the account is paid in full. They also need to ensure it is not updated incorrectly again at the first of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> at about XXXX am I went to the chase branch near my house and tried to deposit {$1000.00} all in hundreds. The atm gave me an error message, kept the cash and didnt even give me a receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX And XXXX are in direct violation of the FTC and Cfpb regulations. They are knowing reporting inaccurate information to my XXXX Credit report and are also in violation of USC 15 Section 1681. I am requesting validation of this debt that they say I owe and verification that they have the legal grounds to collect this debt. I also never received written notice of this debt and I am asking that they provide proof of my signature as receiving any certified mail as it pertains to this wrongful collection. If the previous items can not be provided, I ask that this account be removed from my credit report immediately or I will request the maximum {$1000.00} per 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 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When attending XXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. When contacting XXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX  and they are unable to provide my balance sheets or any financial aid documents. The loans are through Navient and are as such : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Originally {$40000.00} XXXX  XXXX XXXXn XXXX XXXX  | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}. 


In addition during this time, I was a victim of fraud and the documents they provided did not have a valid signature and the information on the application was not viable. 

Lastly, Navient has Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX : XXXX XXXX/XXXX/XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX on XX/XX/XXXX. These accounts appear have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The vehicle was sold at auction on XX/XX/XXXX. XX/XX/XXXX, the XXXX XXXX XXXX account was removed. However, the account was opened again on XX/XX/XXXX, and appeared on my account again recently as if it was a new open loan with immediate repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-09-17 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-17 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: Marlette Funding, LLC
State: NJ

Complaint narrative:
XXXX XXXX dollars was provided by Best Egg XX/XX/XXXX, the money was transferred to the company that provided me the loan XXXX XXXX  XX/XX/XXXX, then I started paying BestEggXXXX {$430.00} a month starting around XX/XX/XXXX for approximately XXXX months. 

The service was cut off after I requested a refund from their partner company XXXX XXXX 

I reached out to Best Egg told them the situation and they said I still have to pay the loan. 

They also reported it to my credit report. 

I am not paying for a loan when I'm not getting the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts listed below have violated : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  : Account Number : XXXX XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. it also states a consumer reporting agency can not furnish a account without written instructions. 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 explanation