vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
Hello I am submitting this complaint about the consumer reporting agency EQUIFAX. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EQUIFAX to validate or delete inaccurate accounts being reported on my consumer report. EQUIFAX responded with a false claim the accounts have been validated. EQUIFAX has yet to show proof or any contractual agreement to support the claim of the account being validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: GA

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 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 2022-04-03 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 XXXXXXXX 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 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 2022-04-03 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB I submitted a dispute previously, but I did not hear back from Transunion about this. 

There was a loan opened with XXXX in the amount of {$370.00}. 
Transunion shows that it was opened on XX/XX/XXXX, but XXXX is reporting that it was opened on XX/XX/XXXX. This shouldn't be. 
The status dates and late payments are not 100 % accurate as well. Transunion doesn't consider this account negative, but XXXX does. 

There are also inquiries that are inaccurate on my Transunion profile. I would like for these to be removed from my profile ASAP. Enclosures have been attached : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-04-03 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account name : 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 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.

15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TD Bank has serviced my mortgage since XXXX of 2021. Unfortunately, TD tries to get mortgage customers to open savings, checking, or other accounts by making it extremely difficult to make payments online ( or access items like tax forms ) if you only have a mortgage account. In fact, I couldn't even establish an online login without help from TD customer service ( the website wouldn't set up a mortgage account login without another TD account ). 

Apparently, if you have a TD savings or checking account, you can easily make your mortgage payment from your TD account or an outside account. If you only have a mortgage account though, you need to enter all of your information each month : checking account number, routing number, email, etc. To make even tougher, the website won't let you paste in your checking account number. You have to type it out twice each and every month. 

As a TD mortgage customer, I should be able to make online payment easily. It's wrong that TD tries to nudge you into opening other accounts by making the process difficult for mortgage-only customers. To me, this seems as bad as what XXXX XXXX used to do in making customers open multiple accounts. This is just another form of that, and it's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from X Day to X day I was living in this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.

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 2022-04-03 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX  XXXX  XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have lease a vehicle in XXXX of XXXX from Mercedes Financial Services. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from MB Financial, Bill of Sale letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: DHI Mortgage Company
State: FL

Complaint narrative:
I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I sent a cease and desist letter to Medicredit , Inc that included a debt validation letter as well on XXXX/XXXX/2022. I received noticed that Medicredit , Inc received the letters on XXXX/XXXX/2022. It has been 31 days since I sent the letter and I have not received the information requested to validate the alleged debt pursuant to 15 USC 1692g. I have not received a response to my cease and desist which is a violation of 15 USC 1692c ( c ). I received account summaries in the mail instead with a balance that is due for each account. This does not validate the debt. The documents that were sent are misleading because this is supposed to be a debt that I owe but every account sent is in a positive balance which is a violation 15 USC 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
I applied for a credit card and they approved me, then I used it for online purchase but weeks later they sent me a letter of denial. Then I decided to use another credit card to make the same purchase in another organization. And now they are sending me bills to pay, I never got the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent money thru my cash app to someone but it was the wrong person I asked them for the money back and tried to make a dispute with cash app and they told me they couldn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXXXXXX 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