vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EXPERIAN XXXX letters in regards to the following accounts and have also stated the violations that they are in, EXPERIAN has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EXPERIAN DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS. 

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XX/XX/XXXX - # XXXX US Dept of Ed XX/XX/XXXX - # XXXX US Dept of EdXXXX XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EXPERIAN to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My husband and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were ever raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; i called the customer service number on the back of the card and was advised to speak with a local branch manager. I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. My husband works in the XXXX XXXX, I, myself have a XXXX XXXX  and we are fully aware of XXXX issues that occurs nationwide; but the bank refused to explain anything other than " they reserve the right to close without issuing a reason, '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: MO

Complaint narrative:
XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my XXXX  Loans they show I have 7 Loans but I only have 5 loans which I verfied on FSA. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the XXXX Loans are 12 years old and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over XXXX points since XXXX due to none payments on my XXXX  Loans. Yet all XXXX loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.

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 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
On XX/XX/2022, two payments were made on the account. One for {$8100.00} and another for {$8300.00}. This over-payment of {$8300.00} should have been refunded. 

Please note : a {$5.00} fee was applied on the payment that should not have been. 

After a refund was neither credited nor received, on XX/XX/2022, I contacted Prosper about the over-payment and was told by Prosper there would be a refund issued on XX/XX/2022 Further, I was told the refund should be received no later than XX/XX/2022. 

On XX/XX/2022, I contacted Prosper about the status, as the refund was still outstanding. Again, I was assured that the refund was sent. The agent on the phone stated this would be investigated.

After there was no contact from Prosper about the matter, I contacted Prosper o n XX/XX/2022 requesting an update. No status was given and told again that the matter would be escalated.

On XX/XX/2022, I contacted Prosper for another update. Prosper claimed that a check was issued on XXXX to XXXX XXXX . After several hours of various calls to Prosper and XXXX XXXX XXXX, XXXX XXXX reported no record of a mailed check. Despite Prosper case numbers the follow-up on cases XXXX and XXXX, neither the requested check number, nor the mailing address for the refund check was ever provided. 

On XX/XX/2022, received an email from Prosper stating We have not sent the check back to XXXX XXXX  yet, but we are in the process of getting approval to send this check and we will provide you with all the information once we do have approval to do so.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have contacted Chrystal Capital and all three credit locations to inform them that this account is settled with Chrystal Capital. I have provided documentation to show that this account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AZ

Complaint narrative:
I wrote a letter to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against TransUnion, XXXX, and XXXX and proceed in the removal of this account on 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 2022-05-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  and Account # 's XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S. Code 1681 Section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604 A. Section 2 States that 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX I attended XXXX University for XXXX semester. My former employer XXXX XXXX was supposed to pay for it but didn't. In XXXX I was laid off due to the pandemic. I went months behind in rent and then when I got back to good standing, I attempted to make payment on the tuition. I made one payment in XXXX of XXXX and in XXXX I found out that it was sent to collections. I paid off everything in full once I found that out. 

Recently I tried applying for a house ( to rent ), and I have been denied upwards of XXXX applications due to this situation being on my credit report. I check my credit via Experian and XXXX, and turns out this was sent to collections in XXXX of XXXX and I had no knowledge of it, no communication was sent to me stating this. 

I have submitted several disputes to both Experian and XXXX attempting to remove this and all they have done is shorten the collection time period to the month of XXXX. 

There has to be some way to get this removed from my credit report, I have exceptional credit history and this is denying me housing applications.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC did not contact me about the alleged debt that they placed for collection on my credit report with the XXXX credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number # # # # # # XXXX, XXXX XXXX XXXX account number XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi, I am a victim of Identity theft, somebody withdrawing money from my XXXX  checking accounts, so I froze them. I gave a complaint to FTC.gov and also a police complaint. 

On XX/XX/22 and XX/XX/22 I received XXXX  letters from Citizens bank. It appears somebody got into my dormant savings account using my SSN and presented XXXX counterfeit XXXX checks with forged signature ( {$5000.00} and {$2500.00} ). As I already froze that account, those checks returned back. That impersonator withdrew {$1000.00} even before the checks were returned. So my account went to a negative balance of $ XXXX XXXX x {$20.00} return check fees. Prior to this incident, this account only has XXXX cents and it has been dormant for a long time. 

I immediately called Citizens account and reported about this fraud. Later as there was no response, I called multiple times and always they mentioned that somebody from claims department will reach out for me in 1-2 business days. No one ever called back and made multiple calls and it was the same answer all the time. They mentioned that there is no direct line to Fraud department. 

On XX/XX/XXXX, they sent me a letter stating that they are closing the claim as per my request. I went to a local branch and mentioned about this and they mentioned that they will talk to regional manager. On XX/XX/XXXXbranch manager told me that they are helpless as the claim is closed and that deficit in the account is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On Monday, XX/XX/2022, I was shopping for student loan refinance rates. Many lenders will provide refinance quotes without doing a hard credit inquiry. I was trying to determine if Navy Federal did the same. After finding an article published by Navy Federal at this url, XXXX XXXX XXXX I felt secure in obtaining refinance quotes from Navy Federal without them conducting a hard credit inquiry. I thought, " Surely Navy Federal wouldn't publish an article that states that it is a myth that getting a refinance quote hurts your credit score and then conduct a hard inquiry when someone applies to them for refinancing quotes. '' I hit " Apply Now '' on their student loan refinancing webpage and entered estimates of my income and assets and then was presented with rates subject to change based on a complete credit application/pull. I did not move forward with any of the quoted rates or with this so-called " application. '' It turns out, Navy Federal did conduct a hard inquiry. 

The terms I agreed to when I submitted this " application '' authorized Navy Federal and/or their third-party vendor ( XXXX ) to obtain a personal credit profile from a credit bureau '' for `` credit pre-authorization. " The article published by Navy Federal is extremely deceptive. As are the terms I agreed to in obtaining refinance quotes because " pre-qualification '' does not translate to a hard credit inquiry in the general and logical sense. This language is ambiguous and should be construed against the drafter of these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint due the abusive practices of Wakefield. I am not under the influence of any third party or agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
Over the last year, we received invoices for amounts due to Speedy XXXX. The invoice stated that my husband, XXXX XXXX, took out a XXXX XXXX in XXXX for {$350.00} at 359.006 % interest and now {$780.00} was due in full. We assumed this was a hoax as he never took out a loan from Speedy XXXX. We have now received a letter from XXXX XXXX XXXX out of XXXX IL dated XX/XX/XXXX starting that this was a verification of debt. The original creditor is listed as " SCIL , INC D/B/A SPEEDY CASH ''. The creditor 's account number is listed as XXXX with a date of opening as XX/XX/XXXX. 

This loan is not legitimate. A loan was never taken out from this lender by XXXX XXXX. The amount will not be paid for a loan never legitimately taken out. 

Please help. This just recently is now being reported on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have attempted to contact Lendmark several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: SC

Complaint narrative:
1. For XXXX XXXX on my XXXX credit report, XXXX refuses to remove the negative item. The account was opened on XX/XX/XXXX, it's been 8 years and the account has not been removed. Also, I would like to dispute this issue under the Civil Service Relief Act since I incurred this debt prior to entering service in XX/XX/XXXX. I would like for this account to be removed immediately. Please see attached for evidence. 

2. For XXXX XXXX XXXX  XXXX on my XXXX reports . I would like these accounts removed due to the fact they both are not accurate and are not reflecting the same data from both credit bureaus. Please see below for the following issues : a. On my XXXX credit report, the issues on my account is as listed : - Account Type : Auto Loan - Payment Status : Paid, was a charge-off - Status Date : XX/XX/XXXX - Balance : " - '' - Balance Updated : XX/XX/XXXX - Past due amount : " - '' - Terms : 72 Months - Contact information : XXXX XXXX XXXX XXXX XXXX NC XXXX- The late payments are for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

b. On my Transunion credit report, the issues on my account is as listed : - Account Type : Installment Account - Payment Status : Paid or paying as agreed - Status Date : XX/XX/XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Past due amount : {$0.00} - Terms : 82 Months - Contact information : XXXX XXXX4 East Fire TXXXX XXXX XXXX NC XXXX- The 1 late payment is for XX/XX/XXXX I would like to be CC 'd on every correspondence that is sent to 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 non-monetary relief
Consumer complaint received 2022-05-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights, 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.

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