vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, TD BANK USA/TARGETCREDIT XXXX XXXX XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed a charge for {$4900.00} on our business checking account that was in processing status that we did not authorize. I called Bank of America and they sent me a Unauthorized ACH Return Form to fill out and send in. I did send it in that day. I also went physically to the BOA location in XXXX to speak with someone directly because this is a large sum of money. They put me back on the phone with the same people I had already talked to. They once again asked me to fill out a Unauthorized ACH Return Form and send it in. Then they said I should have a temporary credit on my account for the {$4900.00} while they do their investigation. I called back on Saturday to check the status of everything, they again asked me to fill out a Unauthorized ACH Return Form and send it in. Told them I already did. Then they said it takes 24 hours to upload for them to see, well it had been 24 hours. Then they tell me it will be closer to a week before we get a temporary credit while they investigate. I then called our local sheriff 's office and filed a police report and sent that info in to them. Then I filed a IC3 Form with the FBI for internet crimes and sent that info to the bank as well. I called back on Monday, once again they asked me to fill out a Unauthorized ACH Return Form and send it in. This time they told me it could be 45 days before they give me any kind of credit because they have to do their investigation first. I asked how come every time I call I get a different time frame regarding the money being returned. They said there are different types of investigations and the reps just might just be confused on which one this is. I didn't call back on Tuesday. Wed XX/XX/XXXX still haven't heard anything from the bank. I called and again they asked me to send in a Unauthorized ACH Return Form and send it in. I told them I have done this twice already. Then they told me it could be 90 days before I could see a credit for the money because they have to do the investigation first. We just keep getting the run around and no consistent time frame on when we can see our money returned to us. We desperately need this money as it is used to not only run our small business but support our family. Our next step will be to contact an attorney. 
I brought it to their attention while it was still in processing. I asked them to stop the payment on it before it went thru and they wouldn't stop it. It's my account if I want a stop payment on something they should have done it.

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
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm requesting my first complaint be reopen I'm entitled to my day in court. My attorney XXXX XXXX and Wells Fargo denied my of that right ... ..WHY?

None : Your ( CFPB ) two referrals plus other agencies ALL referred me back to you? 

Wells Fargo has never answered my question! 

WHERE IS THE MONEY? 
Where is the fraudulent money XXXX XXXX return to Wells Fargo? 


I WANT MY DAY IN COURT

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 2023-03-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2023-03-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023, someone generated an inquiry on my credit report titled " EQUIFAX MORTGAGE SERVICE ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted EQUIFAX and XXXX and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. EQUIFAX has yet to remove the inquiry and its been well over 30 days. XXXX confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TN

Complaint narrative:
I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my XXXX and TRANSUNION Credit Reports : XXXX : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Transunion : 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/2022

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 2023-03-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my EQUIFAX and XXXX XXXX Reports : Equifax : 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 XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
To whom may it concern My name is XXXX XXXX And i live in XXXX, NY Since 2021 i have been experiencing the worst treatment ever from our financial system. 
I never has issues before but since 2021 i have encountered the biggest obstruction to to enjoy from my financial citizen rights. 

I am not allow to do any kind of transaction national or international, to any family members or for any business purpose without been block or without been sent through the fraud department. This happen to me, to my brother or any friend who try or need to do a transaction with. It also happen if i try to do an international transaction to a family member abroad or with business purpose in any financial institution. 

I am been investigate as a criminal when doing transaction trough banks or through any online money transfer or for the banks fraud department. 

I also have a digital wallet business and i am also blocked from running my business national or international. My wallet website is quickmo.net/quickmo.ca My latest experience was with the following institutions : XXXX XXXX, XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want an investigation to find out who is behind of this global blockage towards me, my family and my business peers? 
Why i am been blocked from the entire financial system in USA and XXXX to do transaction like a normal civilian? 

I am not a criminal and i am been treated like the worst criminal of the world. 

I believe that i rights a citizen of the USA and i deserve to be treated with the same respect that this institutions treat other people. 

If you need prove of the transactions let me know Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In year XXXX I had lost my job and couldn't make any payments I contacted Ally Financial about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called Ally Financial and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX XXXX  had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from XXXX XXXX XXXX XXXX XXXX is a debt collector on XX/XX/XXXX for Ally Financial

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX XXXX  changes its name to XXXX XXXX  put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think Experian is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.

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 2023-03-15 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: PA

Complaint narrative:
Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Chrysler capital auto loan shows as derogatory on my credit report and I dont know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please be advised of my intent to enter the Wells Fargo settlement of XX/XX/XXXX. 
My original complaint of XX/XX/XXXX # XXXX is still on file. 
However, I requested my Wells Fargo funds in person on XX/XX/XXXX and did not receive my OWN funds until XX/XX/XXXX. Wells Fargo froze my funds for three months, and there was nothing I could do about it. It seems like they were just trying to aggravate or punish me by freezing my accounts. There was more than one account. 
I lost not only interest on my Wells Fargo account, but also the new account by waiting 3 months. It seemed no one cared! My wife XXXX XXXX XXXX & I had three accounts all with the same situation. 

Thank you, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
-On XX/XX/2023 I was sent a letter alleging a debt owed. 
-I 've also received multiple harassing phone calls. 
-This debt is regarding technology equipment from a previous company which was returned via XXXX  arranged by the company. I have added proof of emails that is attached to this. 
-A formal letter certified letter was sent on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.

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 2023-03-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under the 15 USC 1681 section 6o2 states I have the right to privacy .15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions .Under 15 USCS 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Six or seven years ago Chase Bank credit card tried to collect on debt that wasn't legitimate. It was fraudulent. I filed a complaint with the CFPB ( XXXX XXXXXXXX ). After some communications back and forth, Chase said they would no longer try to collect the debt. Unbeknownst to me, they filed it as a charge off. Now they're sending me a 1099-C for 2022 saying the debt is being forgiven. This means that I wold have to pay taxes on it as income. The IRS told my congressman 's office that I have to get a corrected 1099-C from Chase. I want Chase to send me the corrected 1099-C saying there was no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX XXXX XXXX denied my many, passionate attempts for a Loan Modification, resulting in a Foreclosure. While no money settlement, at this time, would seem to make up for the loss in household goods, and the actual house... seeking XXXX in damages seems like a logical course. This was our first Mortgage experience, and never did I expect such shady tactics to achieve their end goal - Short Sale or Foreclosure. I have photo evidence of people unlawfully entering the house, while we were out of town - to prepare the house for resale. Time was essential, and this Bank did not care in the least of my pleas for more time. XX/XX/2015 was when this occurred, as far as the house be resold. XXXX through XX/XX/2015 was when the un-authorized entry and access to the house took place. I only managed to get one truck load of our stuff out before the house went to be re-sold. No notice of where many of my and my Spouse 's sentimental items were taken, but they were taken for certain. My High School ring was left, and has my name and social security number engraved in it. I would indicate that their acquisition of our things was tantamount to theft.

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 2023-03-15 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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