vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
On my consumer report XXXX reports XXXX DEPT SOC. SVC. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from XXXX about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the Cert, Letter I sent to 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 explanation
Consumer complaint received 2023-10-03 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: OK

Complaint narrative:
I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in 2018. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian

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 2023-10-03 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
I was a returning customer to US Auto sales at XXXX XXXX XXXX, XXXX, GA XXXX. I traded in my previous vehicle being a XXXX XXXX XXXX in for a XXXX XXXX XXXX on XX/XX/XXXX. At that time I purchased a 2 year car warranty to be included in with my car payment. As of XX/XX/XXXX It was notified that US. Auto went out of business. We were told to pay Westlake Portfolio. I was told that i had to pay this company from now on for my future car payments. I was unaware of any information that had been sent to this company with all my personal information. I had not given consent to US Auto to give any of my information out. I was told by Westlake Auto that if i did not pay them, then my car would be reposed. I requested on several occasions for a contract between myself and westlake. I was told that they did not have a copy of it. At one point i was told that my old contract did not matter and that i needed to pay them. I was told that they had power of attorney over all US Auto accounts. XXXX car was reposed on XX/XX/XXXX. My lien holder is listed as US Auto not Westlake. On my credit report it is listed from US Auto as being closed and paid off. Then its listed that i have an account from Westlake Portfolio with amounts and the purchase date as the date that i purchase my care from US Auto, not Westlake. This entire ordeal has been a nightmare from XXXX. I've lost sleep, had XXXX and suffered from XXXX due to all of this. I am a single mother of XXXX kids and they came and took my car from me and wanted me to pay more money in order to get my car back. US. Auto breached my contract that i had with them, as well as not upholding my warranty that i purchased. I am requesting to have BOTH accounts removed from my credit due to the inaccuracy of information report to the credit bureau as well as my personal information being given to a company that i do not have a signed contract with nor listed as my lien holder. I have my original contract that i signed on XX/XX/XXXX with US Auto. I do not have any other contract that i signed nor agreed to pay for the vehicle that was taken from me. It has cost me a great deal of money, loss of sleep and pain to go through what i have been going through. This is terrible. The amount that is reported from westlake as my monthly payments is incorrect as well as the balance that was due. It is reporting on my credit as a repossession from Westlake and a monthly payment of {$550.00}.

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 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. 
According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: PA

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TN

Complaint narrative:
I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXXXXXX XXXX Acc # XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX  Acc # 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 2023-10-03 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: MI

Complaint narrative:
I have been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process

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 2023-10-03 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: NJ

Complaint narrative:
Upon checking my report I notice that an account I do not recognize from XXXX XXXX  ( XXXX ) {$2500.00} Is 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 non-monetary relief
Consumer complaint received 2023-10-03 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: NJ

Complaint narrative:
Upon checking my report I notice that an account I do not recognize from XXXX XXXX ( XXXX ) {$2500.00} Is 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 2023-10-03 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: LA

Complaint narrative:
I've contacted Experian, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I check my credit every day as of XX/XX/23 there is still inaccurate reporting on my credit report for {$130.00} for XXXX XXXX. I attempted to dispute it online but the system keeps kicking me out all of a sudden? I called the customer service number and spoke with XXXX. She was no help. In an attempt to dispute I was locked out of my account as well. I was told I have to verify my identity via email which I refuse to do because my account was currently hacked? I am not providing any information online any longer. At this point I am requesting that they remove this inaccurate information because it is deterring me from applying for apartments, credit cards and other things. Basically Im giving the runaround for an inaccurate information being on my credit report and its hindering me from moving forward. This is an angry consumer reporting the Trans Union credit agency.

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Credit Corp Solutions purchased an account that had been opened using my information without my knowledge from a company named XXXX. The date the account was opened is XX/XX/2022. The amount for the account is {$370.00}. The account type says Debt Buyer. The status account says Collections Account. I have already filed a dispute for this account as it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TN

Complaint narrative:
I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXXXXXX 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason. 

Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company. 

Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went. 

However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life... 

What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting. 

I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX  : submitted payment for {$40000.00} Never taken from my account Tried again on XX/XX/XXXX  submitted same payment amount {$40000.00} said it was accepted but has yet to be deducted from my bank account. 
Confirmation code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: OK

Complaint narrative:
I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in XXXX. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX  one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian

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 2023-10-03 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: GA

Complaint narrative:
I have sent my dispute letter to TransUnion and XXXX Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately 1 ) XXXX XXXX / XXXX XXXXXXXX XXXX XXXX Account # 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 2023-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The fraudulent incident happened on XX/XX/XXXX, at XXXX pm more or less in which appeared XXXX unrecognized and unauthorized transactions of {$400.00}, {$160.00}, and {$3800.00} made to a commerce by the name of " XXXXXXXX XXXX XXXX XXXX. Then, my father and I called the bank to notify them that there had been a fraudulent incident and wanted them to cancel the card, activate a new one to replace the one with the fraudulent transactions, have the money lost in the transactions accredited back to my account, and for evidence regarding the transactions. We then spoke the next day with another 1st bank representative to get an update on the situation, and the person then informed us that the full information of the transactions takes a few days to reflect on the bank application. We did this process XXXX times with customer service representatives by phone following the instructed procedures by the bank. After that, they sent us a physical letter on XX/XX/XXXX in response declaring that : " the claim related to the transaction ( XXXX ) detailed below do not proceed. The documents and further evidence demonstrate that the following were made processed correctly '', with which we did not agree at all due to the fact that in that same letter, no true evidence of any of the transactions being authorized correctly was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
XX/XX/2022 went into the XXXX XXXX store XXXX XXXX to ck the new Phones. The rep gave me a sample internet unit for free. 
I took it home to see what its XXXX XXXX the XXXX i mentioned I have internet with XXXX XXXX XXXX and pay {$10.00} qualified Military Vetrans Disaibility pension igot it home to see if it was better than my current internet, iIt did not work at all so i took it back to the XXXX  store The agent that gave me the unit was not there and another salesman would not accept the return item. I called thier home office as instructed. To ask why they refused the return item. she asked me to take a label to XXXX  XXXX. When i called XXXX  XXXX they wanted {$20.00} pkg fee. in the mean time i had ti go to XXXX XXXX with XXXX and XXXX issues. 
When i got better i sent the item to XXXX  in Texas. I never used the item I have internet with XXXX XXXX XXXX exclusive with the complex. I got around to ship the thing to them uos now they want to bill me $ XXXX it is not fair. I did not get a bill and consider this a scam they can tell that i never used the unit .. and i had to go across town to ups instead of the store that gave me the item as a gift.

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