vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: AR

Complaint narrative:
THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-08-23 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: AR

Complaint narrative:
THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. 

After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. 
Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
In or around the beginning of XX/XX/2022, I contacted Freedom Mortgage and communicated that my loan/mortgage account with them was reflecting that it was " refinanced, '' but it was simply paid off and not refinanced. Additionally, the comments on my credit files also incorrectly reflect that it was refinanced. Freedom Mortgage assured me that this would be corrected, but it has not been.

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 2022-08-23 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: TX

Complaint narrative:
Unauthorized credit inquiries on my credit report, I have spoken with transunion, Equifax, and XXXX about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized credit inquiries on my credit report, I have spoken with XXXX XXXX, and Experian about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I mailed the attached dispute letters to Transunion and XXXX via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( Key Data Points are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX Account : XXXX XXXX Transunion Account : XXXX Acct 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 non-monetary relief
Consumer complaint received 2022-08-23 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 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 2022-08-23 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: OH

Complaint narrative:
I sent in a complaint for Tek Collect, they are reporting a balance in collections on my credit report ; this is completely false and they need to remove this balance immediately. 
They sent me validation and the statement I received shows that I have a balance of XXXX. XXXX Regardless of the EOB that is not a bill by the way, what was billed to me from XXXX XXXX showed that I owe nothing and that my balance was XXXX. 
This is falsification and they need to remove themselves from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went into the TD Bank Branch on XXXX XXXX XXXX, XXXX, NY XXXX, on Sunday, XX/XX/2022. I went in with 3 checks and {$1500.00} cash, Two checks were for my daughter 's account that is connected to mine and the other check was a personal check from my boss. There were two tellers working that day ( Since i did not get there names i will describe them : One was XXXX XXXXXXXX Women and the other was a XXXX XXXX XXXX Male. My teller was the male. I handed him everything and told him my daughter 's checks needed to be deposited into her account or TD will place a hold on it. I instructed him to put my work check in my primary checking account as well as the {$1500.00}. 

I Usually deposit my checks mobile deposit because I like to keep them for my records. I asked him for the checks back and he looked caught off guard and said " I can't give them back to you '' in a strange tone. I then said " OK well can you give me a copy i need them for my records '' He goes to make the copies and he takes such a long time. He keeps waling back and forth to different rooms. By that time my cab was outside so I just took the paper without looking at it. When i got home i noticed it didn't say my work check was pending. I thought it was strange but I just thought i had to wait since it was a Sunday. By the time my daughters checks came through a few days later. i realized something was wrong and i called the bank. I also checked the copy he gave me and it was only for the checks for my duaghters. 

I spoke with a women named XXXX who i assumed was the manager and she told me she did not want to request for video footage of our encounter before she spoke to him when he came to work the next day ( Wednesday ). She says that she will call me back Thursday. Thursday comes, no call. She calls Friday and says she's looked all over and can't find the check and that the teller said he doesn't remember. I then ask her what is she going to do to investigate a teller stealing. She says " Would it be possible for me to just ask my job for a new check. '' At this point I am upset and I tell her i would like to go above her she tells me i can call the manager and gave me a phone number,. which nobody answered. 

I have called TD Bank several times to mediate this and I was promised a regional manager would call me back. I have received no response. 

Check Amounts : My daughter checks were for {$560.00} & {$23.00} plus some cents. 
Missing Check : {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal froze my funds and would not allow me to withdrawal them. I was told I would be able to withdrawal them after XXXX  days. I was still not able to access them after the XXXX day. I called again and was told I could transfer them after XXXX hours, but I am still unable to access my funds. The balance is {$100.00}. I have called multiple times in an effort to resolve this. PayPal representatives will not provide the reason for freezing the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND XXXX CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681cXXXX REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.

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 2022-08-23 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:
PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
This company is trying to collect a debt not mine and is just brushing of the fact that I had no oppertunity to validate debt .. they have not shown me my prof that makes the debt legally mine plus the debt is beyond the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had 2 credit cards with CITI BANK. CITI XXXX XXXX card ending XXXX and CITI XXXX card ending XXXX. On XX/XX/2022, I received a letter saying that " Because you were not able to maintain the security of this account, it is has been closed as of XX/XX/2022 ''. I do not understand this. I did not have any issues with the security of my cards and I maintained their security very well. This reason doesn't make any sense and it is not correct.

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 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am the court-appointed, non-compensated plenary guardian for a XXXX XXXX XXXXXXXX XXXX XXXX veteran. His mortgage is with Wells Fargo. For nearly XXXX YEARS, Wells Fargo has failed and refused to recognize the court order. I wanted to pay off the mortgage in XX/XX/2020 but WF would not speak to me. WF has added over {$12000.00} to the mortgage in fees and costs that they would not have incurred had they communicated so it could be paid off ( BTW, the mortgage is at 8.34 %! ) ..that is 40 % MORE than the balance at the time I wanted to pay off. 
I have faxed, e-mailed and postal mailed all the big shots I could find at WF, but to no avail. They simply ignore the court order. 
In the meantime, WF has filed a foreclosure action ( they have not effected service ) and continues to send me XXXX packages of information, essentially telling me that they will not do business with me. 

I could sue ; however, why spend THOUSANDS of dollars and have WF spend THOUSANDS of dollars and then pass those expenses on to other WF customers. 

Each time I talk with them on the phone, I find out they have lied. 
With each letter, I am learning that they are lying. 
I find documents that appear to be back dated and signatures that appear to be forgeries. 

Now, I doubt that the big shots are lying, forging documents, etc., but it is going on with nearly every communication. 

I am ready and willing to issued a check to pay off XXXXXXXX XXXX property at a reasonable rate. 

The mortgage is in the name of : XXXX XXXX XXXX XXXX the property is XXXX XXXX XXXX ( a single-wide house trailer XXXX XXXX XXXX ) XXXX XXXX XXXX Florida XXXX Account number XXXX I can use some help Thanks 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 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.

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