vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: AES/PHEAA
State: MI

Complaint narrative:
" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

.

1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication.

is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. 

Notice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and XXXX has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: AK

Complaint narrative:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX  XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY 4 KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police 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 2021-09-14 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To The CFPB Subject : make a complaint against TD Bank for missing money from XXXX XXXX XXXX. 

Dear sir, I am XXXX XXXX, XXXX of XXXX XXXX XXXX, writing this letter to make a complaint against TD Bank for my missing money. We have a corporate checking account A/c no XXXX on TD bank. last year on XX/XX/2020 to XX/XX/2020, almost {$34000.00} money missing from our corporation account. We visited to Local Branch at TD Bank right away ( XXXX XXXX XXXX XXXX XXXX Ny XXXX ) and they called TD Bank customer service to solve this issue. The Branch Manager promised to give our money back within 2 weeks. They advised us to make a police report and gave it to them. Also they advice us to freeze account & we did. However Hacker broke the frozen account Twice & then manager told us to close the account & open a new one & we did. After that, we visited the local branch many times but they never gave our missing money back! ( {$34000.00} ). They always blamed me ( XXXX XXXX, XXXX of XXXX XXXX ) that I did this transaction even though I always denied this transaction. But, when I verified that I did not do the transaction, they told me they issued a TD bank credit card on behalf of my name. I told them I applied for a credit card which I never received. When I verified the address it was different from my address. The Hacker also hacked my personal email, cell phone number, paid XXXX ticket, made a fake Id with my name which I did not recognize. All these things were leaked by TD Bank, I believe. The detective sent me an email which stated that they found the person and he will be arrested soon. My XXXX XXXX also got hacked, but when I called them they solved the issue right away and gave my money back. Im also letting you know that I did not have any access on XXXX XXXX corporate account, no password no atm card. The hacker played casino with the TD bank credit card and made credit card bill payment through online which I always denied. I am very disappointed in TD Bank. I attached a police report, detective conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: GA

Complaint narrative:
On XX/XX/2021 I sent a formal complaint and dispute letter notifying Transunion of an inaccurate account showing on my credit file. Under FCRA section 609 Transunion had 30 days to investigate and either verify and validate the account or remove it from my credit file. Transunion has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have notified Experian and XXXX that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.

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 2021-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). BofA did not disclose that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. BofA agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to BofA by my signature/ autograph transmitted to BofA pursuant to UCC 3-419. The actions of BofA have been and continue to be false and misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). BofA has no interest and is not on the original contract.

BofA actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly indorsed, and you have not released the credit due 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 explanation
Consumer complaint received 2021-09-14 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: Real Time Group, Inc.
State: AZ

Complaint narrative:
In XXXX, Due to separation and divorce we were unable to keep or sale our home which resulted in a foreclosure with our home being sold at a Trustees sale in XXXX. As common with any foreclosure, the awarded sum did not fully cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charge off/discharged. In XXXX of this year, XXXX, I discovered via my credit monitoring site that Real Time Resolutions was coming after us for the deficient amount of the 2nd mortgage balance. This was very suprising and concerning as I had put this unfortunate event behind me as it had been nearly 5 years after the fact. In my panic, worry, and collection ignorance, I reached out to Real Time Resolutions and paid the sum they agreed to for settlement of the account. I am filing this complaint as I am currently trying to purchase a new home and due to how this updated on my credit and impacted my credit standing the the credit bureaus. Real Time Resolutions is a licensed collection company, not a mortgage loan provider. They used the exact account number as my 2nd mortgage servicer from XXXX for their collection tradeline which updated the mortgage to a current time negative status, which has voided my foreclosure seasoning to purchase. This is clearly a violation of the FTC 's FDCRA. Due to erroneous/deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MI

Complaint narrative:
I have reached out to Equifax commanding them to remove/delete inquiries off of my consumers credit report. Equifax has yet to do so. 
Under 15 USC 1681-Permissible Purpose Of Consumer Report.

( a ) In General Subject to Subsection ( c ) any consumer agency reporting agency may furnish a consumer report under the following circumstances and no other : ( b ) in accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax my written consent to report anything on my consumers credit report. Only I can validate anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: FL

Complaint narrative:
on XX/XX/XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXXF XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION YOU ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I never had a XXXX credit card and never lived at the address PORTFOLIO RECOVERY claims I did. They will not provide any proof beyond an account balance with this false address and a statement that they purchased the debt. I have even challenged it with the three credit bureaus and still not getting anywhere. How do I prove this isn't mine and shouldn't they have to prove it is mine?

I have only lived at the two addresses provided in the attachment and before that I lived in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian states that XXXX XXXX XXXX has certified that the information is accurate. I have asked them 4 times to show me proof of this certification as I am entitled to under the Fair Reporting Act 609. I have written them and made this request on XX/XX/21, XX/XX/21 XX/XX/21 and XX/XX/21. To date I have not received anything. I have not done any business with XXXX XXXX or signed any papers agreements with this company. They have no phone number listed and can not be contacted. I have asked them how {$5700.00} was written off and {$8900.00} was past due. That makes no sense to me at all.

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 2021-09-14 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from my credit file. XXXX has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : I C System XXXX XXXX XXXX XXXX XXXX, MN 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 explanation