vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g

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 2022-12-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this complaint is from me a person XXXX XXXX is my name. this is not a complaint written by a company this is a serious complaint and should be treated as such. 
so I found out that I have accounts that i never authorized or agreed to. these accounts are in a report filed to the credit bureaus but they never removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
The consummation of this lease agreement took place XX/XX/2019. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: GA

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

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: GA

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

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: PA

Complaint narrative:
there is a fruadulent account listed from XXXX XXXX XXXX XXXX that I did not authorize or obtain this account. this account is listed on my credit report and its fraud. this account needs to removed and deleted from my credit file.

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 2022-12-04 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: NY

Complaint narrative:
this complaint is from me a person XXXX XXXX is my name. this is not a complaint written by a company this is a serious complaint and should be treated as such. 
so I found out that I have accounts that i never authorized or agreed to. these accounts are in a report filed to the credit bureaus but they never removed the accounts.

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 2022-12-04 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: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these deleted Its been over 90 days and still havent gotten a response according to the FCRA anything that has been fraudulent or unauthorized must be removed off my credit report. I have also submitted an identity theft report and still havent gotten these inquires removed.

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 2022-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
This is for CashApp, as there are five transactions in my account that were unauthorized, fraudulent and not completed by me. All the money saved in my CashApp account was wiped out by someone who had unauthorized access to my account. An online hacker specifically. I have contacted Cashapp support more than once, and they refuse to help me with this issue in order to get my funds back. They closed the investigation and claim that I did authorize the transactions. My savings was wiped clean, and CashApp refuses to help me with my dispute. 

These are the following unauthorized transactions : XXXX. XXXX {$12.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$1200.00} XX/XX/XXXX XXXX. $ XXXX {$1200.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial has sent me a debt on XX/XX/XXXX for a balance of XXXX. Then on XX/XX/XXXX for XXXX but a settlement for XXXX. I reached out to Ally financial for original documents for our agreement made. The papers sent back was with documents that I didnt sign personally and was forged. I was later informed that the dealership released employees for this exact reason. I received a letter in mail for a lawsuit ally fin. Inc. vs XXXX XXXX and XXXX XXXX. Where the debt was settle in court and I received a small payment on XX/XX/XXXX. On XX/XX/XXXX Ally sent another later still asking me to pay the debt that was settled in the law suite XXXX Its still reports on my credit making life hard for me. I would like for this debt to be removed from 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 explanation
Consumer complaint received 2022-12-04 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

XXXX XXXX credit card inquiry dated XX/XX/XXXX XXXX XXXX credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
I am a XXXX female who was discouraged and denied credit because I was told I could not use XXXX income to qualify me for my home. My builder was charging XXXX to build my home on land I owned valued at XXXX. I was told XX/XX/2022 XXXX. Yes I got a denial letter after the fact but I have a written text from XXXX XXXX who stated otherwise. 

XXXX XXXX at XXXX XXXX told me : I confirmed with underwriting we can not use your living and food stipend that is non taxable for qualifying. Non taxable wages can not be used towards qualifying income per underwriting guidelines. One way to look at it is to earn the taxable wages it requires you to have expenses for living and food, so the money you receive for those items are being used to cover an expense needed to make wages and are not additional income in the end. 

2 options I can think of. We can look to add your husband to the loan and utilize his income so long as he qualifies with his credit score, we also have to factor in debt in just his name. Second option might be contacting a credit union or small bank. They might have different rules in which they could use your additional income towards qualifying. 

If I could use the full {$9200.00} in income listed on the application you did qualify for the {$250000.00} requested. 

A different loan processor told me my income could be used her name is XXXX XXXX ( XXXX ) XXXX. She also told me she was working on a ( white ) client in my sans situation with non taxable income and she had gotten approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
there is a fruadulent account listed from kick off lending llc that I did not authorize or obtain this account. this account is listed on my credit report and its fraud. this account needs to removed and deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Denied a credit card when trying to obtain credit. They ran my social security number yet I received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Target credit card was set up with automatic payments. All checking account info was loaded in database. XXXX payment was not processed and Target did not reach out until 31 days late. It was a {$30.00} dollar payment. Entire balance was paid immediately, I explained the auto pay was set up. I asked if it could be confirmed and was told the information was in fact loaded onto the database but I still could not enroll in auto pay. Target then reduced my available credit while not reporting my payment further torpedoing my credit score. Ive reached out to target 5 times and sent two general inquiry emails. The response is the reporting is accurate, but they dont take any blame for their own system failures. I was set to buy a house that I now do not qualify for because of a {$30.00} dollar payment. Realistically this would never happen. I have just closed my target account and I would like this 30 day late mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted the same dispute a total of 5 times within the last 60 days and Equifax has failed to follow the federal guidelines and investigate this dispute. In addition, when calling over the phone I was not able to get any information however, I was told to resubmit information however, I have submitted the information a total of 5 times within the last 60 days and no investigation has been conducted. Equifax has failed to investigate this dispute and they have been supplied both a police report including a FTC report yet there has been no dispute started for this account. I'm a victim of identity theft the account with XXXX XXXX XXXX is fraud and I have submitted this dispute to Equifax on the following dates in addition, I have a certified confirmation of mail to Equifax in addition, to fax confirmations which Equifax has not responded nor opened a dispute per federal guidelines. I have submitted a dispute to Equifax on the following dates : XX/XX/2022, Certified mail Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 
XXXX, GA, XXXX XX/XX/2022 faxed to XXXX Confirmation via fax XX/XX/2022 certified mail, Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 

XX/XX/2022 fax, Delivered to XXXX confirmation via fax XX/XX/2022, XXXX fax to XXXX confirmation via fax Equifax needs to follow federal protocol and remove this account. Additionally, they have failed to respond within the 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been working with Chase for over a year to get a refund for my flight that I purchased through them. I have an email confirmation from Chase stating that I am due a refund of close to XXXX. To date I have only received XXXX and no one at Chase is able to tell me when the remaining amount will be received. Its also unclear why I only received this amount. Im struggling financially because Im short XXXX. Chase originally told me that it would take 7-10 business days to receive the refund. The XXXX I received within 1 business day but its unclear when I will receive the rest. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04 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: Conn's, Inc.
State: TX

Complaint narrative:
CONNS is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VA

Complaint narrative:
A Discover Bank new account set-up was requested by a fraudster. I did Not apply for this Discover Bank account. Discover Bank informed of this attempted for this new account set-up via their letter dated XX/XX/22. Discover Bank was did not set-up this new account as Discover Bank was unable to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I challenged OCEANSIDE MORTGAGE COMPANY the validation, and lack of full disclosure, according to 15 usc 1631 ( a ) also 16 cfr 433.2 Preservation of consumers claims and defenses, in ten point bold face print, now their violating my rights again according to 12 cfr part 1016, privacy of Consumer Financial Information ( Regulation P ) by selling contract after questioning OCEANSIDE MORTGAGE COMPANY. Deliberately defrauding me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
I XXXX XXXX am making this complaint from my own guidance and that of the ftc. there is no third party company involved with this complaint this is me making this complaint. i noticed that there is an account on my credit that i did not authorize or get on my own accord. i reported it to thhe credit reporting agencies but they did nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Today, i learned why credit scores dropped. It was a collection on my report from FIDELITY CREDITOR SERVICE. I have no idea of this company nor of the debt they bought from a medical office. I was unware I even had a debt as I have always have medical insurance and the medical office have had this information when I went there once. This is very wrong of FIDELITY CREDITOR SERVICE to just add a collection to my report without my knowledge and I am angry as i read into it I found out this from the CFPB website : On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year They have no right to collect on a debt that I am not even aware of. No calls or letter was sent to my home address and please reference the above as well that they have 1 year to even report this medical collection that is under {$500.00}. 

Thank you. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My bank account has been frozen. There are people placing unauthorized checks in my account without my knowledge. I am trying to close this account through TD bank ( Account XXXX XXXX ). I closed the one attached to this one. Someone is using a company printing out fraudulent checks to run through my account. Someone of interest is XXXX XXXX, of XXXX, XXXX XXXX, SC XXXX. He has hired people to making checks in vain for them to go through my name in a checking account at TD Bank, XXXX XXXX, SC, or TD Bank in XXXX XXXX, XXXX. ( Near the convention center is the one in XXXX XXXX, SC XXXX ) with the account number above. Checking account. It was frozen a year ago. And I closed my main account. I want nothing to do with this bank but to corporate. And close all connections to it. I want my name nowhere near these fake checks, and an account that isn't mine. I am aware there has been blood shed for several check in my name, and account number above. PLEASE stop this. This is extremely unholy to me. I thank you. I can't get contacted due to them inferring to dispatch services. Out fire rescue line in XXXX XXXX, SC XXXX is connected to California. And Maryland has a lot of crime started here. I have proof. Thank you for hearing me out. I XXXX  for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Was denied a credit card application after providing my social security number yet I received no benefit.

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 2022-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Applied for financing to capital one and after them receiving my social security number and signature I did not receive any benefit.

Company response to consumer: Closed with explanation