vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
Repeated transactions declined for suspected fraud activity but transactions are valid and authorized ( 4> in 24 hrs ). No history of claims for fraud on account. Verified transaction by phone but more transactions blocked in subsequent 24 hours. Received email saying to call XXXX but was advised that nobody could resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my bank account abruptly without warning, notification or motive. 
I was left unaware of the situation of closure for no motive like overdraft or legitimate reasons. 
Within a few days, i was faced with disastrous consequences like incapacity to cash my paycheck and incapacity to have access to my funds. 
I contacted immediately the customer service which claimed first that my account was closed by the fraud department then later on that it has been decided that my bank account will be closed at their discretion. 
i asked them to give me a legal, legitimate reason for the account closure, the answer was it is heir right to do so. 
I am in shocked, i don t know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I received an email from XXXX XXXX notifying me of a credit change. An account was opened with Citicard on XX/XX/2022. It shows a balance of over 2,000 that I have no knowledge of it. I was giving birth to my daughter born XXXX XXXX. I did not apply for any credit card, I have not authorized a credit check to anyone.

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 2022-03-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

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 2022-03-13 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: IL

Complaint narrative:
I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Transunion containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent inquiries of ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ; my statement is on the FTC report that I did not consent or authorize the inquiries. 
From previous phone conversations with Transunion representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
When completing the FTC report, it only allowed me to enter three inquiries. There is another fraudulent inquiry, XXXX XXXX. In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Transunion received my documents certified mail on XX/XX/2021. As of today, the fraudulent inquiries still appear on my consumer 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 2022-03-13 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: MD

Complaint narrative:
I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

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 2022-03-13 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: MD

Complaint narrative:
I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers license which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please Director XXXX make an example of them.

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 2022-03-13 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: IL

Complaint narrative:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

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 2022-03-13 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: Source Receivables Management LLC
State: AZ

Complaint narrative:
Account had been disputed in XXXX of 2021 by the original collector. Company put it back on my report on XX/XX/2021 Was receiving harassment calls every single day, told company to leave me alone as debt had been removed and yet would receive a call. Have blocked calls from this company Source Receivables Management and would still receive calls. This account was closed down Im not understanding why it was opened back up again and report to my credit when it had been disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NM

Complaint narrative:
In XX/XX/2020 I opened a checking account with US bank I have always kept my account in good standing paying off any fees deemed necessary by the bank. I have had continued problems with federal agents in new mexico illegally accessing my bank accounts. I recieved my child tax care credits in the account and every month I was calling US BANK because they would manually rearrange all the transactions in my account every single transaction. The bank would hold pending charges for up to a month or not collect on pending charges for two months I brought this to the banks attention they said they would investigate and they never did. I continuously complained about every charge in my account being manually adjusted and charges never posting or pending charges and not releasing the money back into my account l. I would make drive-thru deposits with the teller and they would even give me the wrong receipts so if I would deposit {$25.00} they would give me a receipt saying I deposited {$40.00}. I strongly believe it was for federal agents who didn't have a warrant and whom the bank was illegally letting access my account. Fast forward in XXXX I was overdrawn XXXX I never had a problem I filed for my income tax to go in there only to learn that my bank account had been closed I CALLED YOU A BANK AND THEY SAID THAT THEY DON'T CLOSE ACCOUNTS UNTIL 4 MONTHS AFTER YOU'VE BEEN OVERDRAWN MY ACCOUNT GOT CLOSED 2 MONTHS LATER WHY?

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 2022-03-13 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: TX

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 has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: IL

Complaint narrative:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

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 2022-03-13 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: IL

Complaint narrative:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of XXXX8 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 
XXXX5 U.S.C.1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 2022-03-13 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My account was under a Covid-19 forbearance plan with XXXX ; in the end, XXXX XXXX transferred my account to ShellPoint. Shellpoint refused to help me will a loan modification. Three months later, after I got someone on the phone who would listen and follow up with me, I am now on a loan modification. This company reported to the credit bureau I am 120 late. This is not true, and they would not help me. It is so unfair what they did to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
in XXXX I lost my Mother, I also contacted XXXX, I was verry sick and distraught for the next few months, this was a natural disaster, I could not even think straight or remember things because XXXX  effects your brain, community bank reported me late for a minimum of XXXX $ for XXXX XXXX XXXX as a result my credit was damaged, I did dispute with proof of XXXX and death of my mom, they rejected the dispute, can you please help me. The report # is XXXX XXXX the number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ive had a TD bank checking account nearly 5 years. In that 5 years I have ( voluntarily ) accumulated over {$7000.00} in overdraft fees. Its a problem. I know of my actions that caused this ridiculous cost. I am working hard to stop this viscous cycle but its a XXXX hard trap door to fall into. 
TD calibrates the amount that I can potentially overdraw on my checking at any given point. It is 100 % based on my weekly recurring payroll direct deposit. My issue would always start on a week that Id pay my rent and other XXXX of month bills. This often left me with little or nothing left to live ( eat ) on for the following XXXX days. Thus I would make it a point to hit an ATM and withdraw a {$300.00} draft that would ultimately cost {$330.00} by the next time I got paid. Then Id not use my debt card until my next deposit. This was common practice and very helpful ( though annoying. ) That {$300.00} draft would sometimes cost {$370.00} if I used the wrong ATM- I learned this the hardway. I also learned that despite my account being in the negative every possible auto or robo or one time charge and fee would abruptly start processing. Thus racketing additional {$35.00} fees for absolutely random charges. XXXX XXXX XXXX XXXX XXXX right at the last minute. Even charges that were declined would still cost me another {$35.00} fee. 
It became such a problem that every month now I was in the same cycle of trying to hault the overdraft service and still be able to come out above the negative when my weekly paycheck arrived. TDS system really seemed to have that same goal- which made sense. Though at some point it took me well beyond my incoming pay amount and after that week I knew I could never catch up. I had to jump ship and switch my direct deposit of to a new bank and one that only offers 1 times {$20.00} max overdrafts. XXXX XXXX with my full paycheck actually arriving instead of first filling the previous weeks accumulated fees- I have not dipped below {$0.00} once. Heres where I need outside help : do I continue to pay down that massive TD balance due or is there any way they could reverse some or any of the over {$1000.00} of individual {$35.00} fees. I can honestly say that the majority of them are indeed the result of only 1 or 2 original and consciously made overdrafts. There are recurring bill payments still being drafted from the account but I cant deactivate them because I myself can not access the account until my balance has been brought back above {$0.00}. 
I dont know what to do or where to call. Every representative from TD in person and on the phone recites the same unhelpful information. 
This overdraft service by TD bank is nothing more than a high interest payday load program when I stop and think about it. Pay day lending is illegal in XXXX XXXX XXXXXXXX. Why can banks get away with it? 

Please help.

Company response to consumer: Closed with explanation