vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Recently TD Financing/ Bank ( specifically for me - the XXXX XXXX card ) has switched from a website 'onlineaccessplus ' to 'mytdfinancing ' with no warning. The completely disabled the previous website. I go to enter my information in the website it redirects you to. It says my password has expired and to request a new one. I try and it says account not found. Try with card number. Also says account not found, please contact customer service. No problem, you'd think however i have called them numerous times for the past week, on every phone number i can find for them, including obviously the one posted on their website. Have waited for over 90 minutes multiple times everyday starting on XX/XX/year> and have yet to been able to get in contact with anyone! I'm not even sure it directs to a call center and is not just an endless loop of the same song! I have payment due and missing it will negatively effect my credit but i have no way of making one! It ridiculous and this can't be legal. How can you switch website, lock out an account by saying the password expired and then have no customer service and still have the right to report a missed or late payment on someone credit report? I can provide proof of my attempts to contact them and screenshots of the wait times. I honestly dont even know what to do, i just want to reset my password so i make a payment. Literally have no missed payments on my credit report or at all before this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of my credit report.

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 2024-07-25 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My phone was hacked into and someone using all the information from my bank ( customer service phone number they called me from, verification text message same as my bank when they send verification codes, ). They told me to transfer money from XXXX XXXX to my account. Who I was talking to had my user name and password to both bank and XXXX they told me to transfer XXXX once I did that they had already transferred money from my sons savings into my account to make sure there was enough. At that point they put my phone into lost mode after taking the XXXX out of my checking. My bank gave me the money back after an investigation and closed the case. however XXXX just sent them information and so Wells Fargo then took the XXXX back out after almost 60 days. So my account went negative and I am out XXXX $ I tried to reach out to the bank again however the denied putting it back this time.

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 2024-07-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name ( XXXX ) : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX at XXXX - XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My husband I both had vehicles from XXXX XXXX They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost 100 point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
My husband I both had vehicles from car-mart . They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost 100 point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. Capital One Bank has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last 4 numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-07-25 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: MO

Complaint narrative:
I am filing this complaint against Equifax for their blatant disregard of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my legitimate dispute regarding unauthorized credit inquiries on my credit report. 

Background : Date of Dispute Submission : XX/XX/XXXX Method of Dispute Submission : Mail Date of Credit Bureaus Acknowledgment : NONE Number of Days Since Dispute Submission : 35 Days Details of Dispute : On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries are as follows : Creditors Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX   XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), I requested the credit bureau to provide documentation verifying the permissible purpose of each inquiry or to remove them from my credit report if they were unauthorized. 

Non-Compliance by Equifax : Despite the clear requirements under the FCRA, Equifax has : -Failed to Respond : I have not received any response or acknowledgment from Equifax regarding my dispute within the legally mandated 30-day period.

-Failed to Remove Unauthorized Inquiries : The unauthorized inquiries remain on my credit report, adversely affecting my credit score and overall financial health. 
-Violations of the Fair Credit Reporting Act : Equifax has violated the following provisions of the FCRA : -15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : The agency must conduct a reasonable investigation and provide a response within 30 days.

-15 U.S. Code 1681b ( a ) : The agency must ensure that only permissible purpose inquiries are included in a consumer 's credit report.

Impact on Me : The unauthorized inquiries have caused significant damage to my credit score, limiting my ability to obtain credit and increasing my financial stress. The failure of Equifax to address my dispute has further exacerbated this issue.

Request for Action : I respectfully request the CFPB to : -Investigate the non-compliance of Equifax with the FCRA .

-Mandate the immediate removal of the unauthorized inquiries from my credit report.

-Impose appropriate penalties on Equifax for their failure to comply with the FCRA .

-Ensure that I receive written confirmation of the removal of these inquiries and an explanation for the delay in responding to my dispute. 
-Attached to this complaint are copies of my original dispute letter Thank you for your prompt attention to this matter. I look forward to your swift action to rectify these violations and protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: World Acceptance Corporation
State: MO

Complaint narrative:
Deleted Account that is not mine Reappears on a Credit Report with XXXX XXXX information i had this removed got no notices it was re added

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
Dear CFPB, Under the Fair Credit Reporting Act, it is imperative that my credit report is 100 % accurate. I am filing a complaint against TransUnion for failing to maintain accuracy. 

Despite their claims of proper investigation, TransUnion continues to report inaccuracies in my credit report, including the open date, date last active, and date last reported. This warrants removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent. 
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX ** TransUnion reports a date opened of XX/XX/XXXX and a high credit of {$400.00}. In contrast, XXXX shows different dates and amounts. 

For XXXX XXXXXXXX, ** TransUnion reports a date opened as XX/XX/XXXX, a term of 15 months, and a last reported date of XX/XX/XXXX, which do not match other bureaus ' records. 

Despite multiple disputes, TransUnion continues to report incorrect information. I have attached a copy of my credit reports for your examination. If these inaccuracies are not corrected within 15 days, I will proceed with legal action.

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 2024-07-25 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is target one XXXX XXXX  XXXX. And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-25 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: MRS BPO, LLC
State: TX

Complaint narrative:
I have a report on my credit about a loan I never sign for or had any knowledge about. My ID was stolen, and information hack with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I have a report on my credit about a loan I never sign for or had any knowledge about. My ID was stolen, and information hack with T mobile.

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
So on XX/XX/year> my account was charged {$200.00} for a transaction that I had nothing to do with or purchase from it. It happened in the morning while I was sleeping and I was going to use my credit card to buy something, but when I open my bank app I was in overdraft and got charged {$200.00} for a purchase that I did not have anything to do with. I filed a dispute with them and they said that it was gon na take at least XXXX days for the merchant to respond back and I was mad about it because they charged my credit card and left my account in the negatives. Today I had an update about the dispute and I lost it.

Company response to consumer: Closed with non-monetary relief