vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank Refused to refund stolen money : On XX/XX/2022, I visited my local TD Bank to withdraw funds from my account. When the teller gave me my bank slip, I realized there was a discrepancy in my total account balance and that I was missing {$30000.00}. I immediately contacted the bank and was informed that two ACH transfers transacted the funds out of my account. These transfers were not authorized and were performed without my knowledge. 
On XX/XX/2022, I was refunded {$15000.00} by TD Bank and my account was closed by TD Bank before the remaining {$15000.00} was recovered. A new account was opened by TD Bank, but I have not been informed about what would be done about the remaining {$15000.00} that had been taken from me, or what to expect in terms of communication or a solution. I have called TD Banks XXXX Department several times and have not received a response, or I am transferred around to agents who dont know who to escalate the call to in order to assist me or explain who or what entity transferred the funds from my account. I have also visited my local TD Bank several times where a helpful branch manager informed me that the issue had to be handled by the TD Bank XXXX  department, but TD Bank has been otherwise unresponsive and unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$1000.00} XXXX FIN XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: OH

Complaint narrative:
Ive contact XXXX, TransUnion and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I CHECKED MY CREDI REPORT AND FOUND 2 FRADULENT ACCOUNTS ON MY REPORT FROM THE SAME COMPANY XXXX XXXX CO I DON'T EVEN KNOW WHAT THIS COMPANY IS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I CHECKED MY CREDI REPORT AND FOUND 2 FRADULENT ACCOUNTS ON MY REPORT FROM THE SAME COMPANY XXXX XXXX CO I DON'T EVEN KNOW WHAT THIS COMPANY IS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My parents passed away recently, my father being the most recent in 2021. After my fathers passing, he left the house we lived in together to me. Since then, I have been trying to obtain successor of interest with the mortgage company my father worked with, in order to assume the mortgage loan so that I can keep my home. Even though I have provided them with all the information asked for ( deed of distribution, real estate affidavit, trust, and the death certificate of my father ) they have been giving me issues, and refused to grant me authorization. In the words of my lawyer they are engaging in illegitimate, and unprofessional behavior. Since they have not granted me authorization, they stopped me from being allowed to make payments on the loan, therefore, the loan is now in default, even though I have stated to them that I have the money to pay the monthly amount, they just will not authorize me to do so. I feel that considering I have given them all of the documentation asked on time, as well as having the urge to pay the loan, that it is not fair that they are threatening me with foreclosure when I am trying my best to avoid that. I do not want to lose the home that Ive lived in all my life, and that my father worked so hard for just to be taken from me over something that can be resolved. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-10-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
new credit card open in my name which was not authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXXXXXX XXXX  XXXX I leased the car from XXXX XXXX XXXX XXXX XXXX XXXX NY ). The leasing company would be Kia Finance, Account Number available upon request.

At this time, Kia Finance would be the title holder. 

XXXXXXXX XXXX XXXXXXXX I had completed a lease buyout through XXXX XXXX, Account Available upon request. 


I called XXXX XXXX customer service to request a duplicate title. They had told me that since XXXX received the title, I would have to request a duplicate from them/have XXXX request from the DMV. 

Reached out to XXXX, they had advised that they never received the title. They suggested that Kia orders it. XXXX has never received the original title and had therefore not been able to file on my behalf. 

Ive contacted Kia Finance multiple times and requested to speak to their supervisors. Neither the representatives or supervisors were willing to order a duplicate. Nearly every rep had said that since the title was sent to XXXX, they would have to put the request through. 

This went back and forth for about three months. A supervisor at XXXX was in direct contact with me. She had believed Kia was going to request a duplicate from the DMV. This ended up never being requested and XXXX has not responded to my last three status requests.

Kia Finance has now refused multiple times to send me or XXXX a duplicate copy as they believe they are not the Title Holders. 

Ive attempted to have XXXX XXXX Kia request a copy. The first time I went in, a representative gave me an Odometer statement to submit to Kia Finance. She claimed this would correct the title issue. Nothing was every confirmed to be received and no updates were made to my title. 

I visited the dealership a second time and was told that since it was the end of the month, they were unable to assist me. I scheduled a follow up for XXXX. 
When I went back in, the title/billing representative had said she would request the title from Kia Finance directly/her contact there. I followed up a week later as I didnt hear anything and was told that Kia Finance had not responded.

Ive reached out to Kia Corporate as well. That was shooed away and they did not seem to understand the situation. 


I also had filed a complaint with XXXX XXXX XXXX and had just recently requested to keep the case open. Kia has never reached out to me regarding this. 
File number available upon request I've now had to hire an attorney to draft a demand letter as well as file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: MS

Complaint narrative:
I received a red light citation from the city of XXXX XXXX, Al red light safety program alleging that I had ran a traffic light. The date of the violation showed as XX/XX/2022. I also received instructions that advised me that if I provided information identifying another, which I did in addition to the police report that was done prior to this ticket being issue. I provided this information to the company on XX/XX/2022 via us mail and it was confirmed that it was received. Though the police report clearly says that my tag was stolen and on the instructions that were provided to me said that if I would provide the given information it would be transferred to the correct party. This was not the case. This corporation fraudulently sold a debt that is not mine to a debt collector tarnishing my name in addition to committing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXX XXXX XXXX XXXX Amount {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. XXXX {$1900.00} : Updated : XX/XX/XXXX Account name:XXXX Creditor:XXXX XXXX XXXX XXXX. XXXX {$880.00} : Updated XX/XX/XXXX Account namXXXX. Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: NJ

Complaint narrative:
SIMM Associates XXXX Inc who is not authorized to conduct business in New Jersey is a violating my consumer rights. Without my consent 15 USC 1692c ( a ) they have contacted me to attempt to collect an alleged debt that is unverified. I am requesting that this debt collector cease unauthorized communication with me via all mediums, including but limited to ; text, mail, phone, consumer credit reports, and courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief