vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/30, I scheduled payment from my TD bank account, XXXX XXXX XXXX to my student loans company, XXXX XXXX XXXX ; my account number is XXXX. However, the transaction was reversed due to insufficient funds in my TD Bank account, and XXXX XXXX XXXX canceled the transaction. Despite this, my TD checking account still shows that the transaction was executed, and I was charged {$2500.00}, even though the payment was reversed and not posted on my student loans account. Td bank charged me {$2500.00} and sent my account to the collection agency. TD Bank customer service is very rude, and they are unwilling to resolve the problem with my fraudulent charges. Why Td bank still charged me {$2500.00} even the transaction was canceled and money wasn't post on my XXXXXXXX XXXX XXXX 

My TD Bank account is now closed and has been sent to collections. 
Td bank account : XXXX customer service : XXXX XXXX XXXX XXXX XXXX loans The account number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-09-20 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: 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-09-20 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of XXXX data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach

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 2024-09-20 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: IL

Complaint narrative:
This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a victim of XXXX, and the following account information, which appears on my TransUnion consumer credit report, is a result of identity theft and fraud that occurred during this period of trafficking : * XXXX XXXX XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/ I do not recognize this account as reported. It was not opened, made, or initiated by me and is the result of identity theft and fraud. Per TransUnion 's request, I have attached the following documents as proof that the aforementioned account is fraudulent and a result of my XXXX XXXX  : 1. Official Police Report 2. FCRA Section 605C Self-Attestation Form 3. Notarized Identity Theft Affidavit 4. Notarized FTC Identity Theft Criminal Complaint XXXX XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 
These documents confirm my identity and substantiate that this account was created without my knowledge or consent. I am requesting immediate action to block and remove this account from my TransUnion consumer 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 non-monetary relief
Consumer complaint received 2024-09-20 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of equifax data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of XXXX data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach

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 2024-09-20 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: MA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
This complaint has been filed with the CFPB pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : A fraudulent hard inquiry with XXXX XXXX XXXX  on XX/XX/2024, A fraudulent hard inquiry with XXXX XXXX XXXX  XXXX on XX/XX/2024, These fraudulent hard inquiries appearing on my Equifax XXXX credit report. I do not recognize these hard inquiries as they were not initiated by me. Attached is a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report maintained by you, which highlights the fraudulent hard inquiries. 

Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof that all aforementioned accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-09-20 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: VA

Complaint narrative:
experian willfully and negligently violated the fair credit reporting act EXPERIAN KNOWINGLY VIOLATED TRUTH IN LENDING ACT IN FORM OF 'PREMIUM SERVICES/ TRIALS '' AND KEPT THIS SECRET FROM ALL COMPLAINANTS IN 2021 experian willfully and abusively sent over XXXX email notifications experian retaliated by lowering credit score based on false information EXPERIAN KNOWINGLY FAILED TO RESOLVE DISPUTES IN GOOD FAITH BY PROVIDING RESTITUTION

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 2024-09-20 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-09-20 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: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I have received countless phone calls from XXXX XXXX XXXX over the last few months. It shows on my caller ID as telemarketer, and the calls have become more frequent daily, so today on Friday XXXX of XX/XX/year> I decided to figure out who this is that keeps calling me. I spoke with a man named who identified himself as XXXX with F.H Cann and Associates and when I asked if he is with a debt collection agency, or a debt collector he told me no. I thought I miss heard him so I asked him to repeat himself and he confirmed he is not with a debt collection agency. I dont understand how he can misrepresent himself like that, I took the time to google XXXX number to find out he lied to me and XXXX XXXX and XXXX XXXX a debt collector. XXXX frustrated and concerned as to what other unethical tactics this company practices if lying about their identity is standard

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I initially opened my new credit card account on XX/XX/XXXX which was followed by correspondence via mail from BoA including all information about the newly opened account. I opened the account for the sole purpose of consolidating my debt by taking advantage of the no APR offer ( until XX/XX/XXXX ), and a balance transfer was requested during the application process. This balance transfer was never carried out by BoA. As I was awaiting the arrival of the card, I was shocked to receive a call from BoA fraud department on XX/XX/XXXX asking whether I had been using the newly opened credit card. I informed the agent that I had not received the credit card yet and was still expecting it based on the previous correspondence. The agent had then immediately closed the credit card and shipped another one to me via XXXX  ( which I received despite XXXX leaving the package on the stoop of my building with access for anyone to grab it ). Additionally, the agent had opened a fraud claim and credited the transactions to my account. I was then shocked to receive a letter couple of weeks later stating that BoA has done an investigation and confirmed that the transactions are legitimate. This claim process has now been repeated several with no resolution for the last two months. I have contacted several vendors from the transaction list on the statement to get any information they had on file for these transactions and found that the credit was indeed in someones possession and was used illegally along with a fake ID. Additionally, it is clear that signatures were not present on all transactions unlike what Bank of America had stated in the claim reports. Provided to Bank of America were several pieces of evidence inclduing police report, USPS inquiry for stolen mail, receipts form vendors who responded to my email correspondences and FTC fraud 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 monetary relief