vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transword System Inc XXXX XXXX has yet to reply back after calling him several times in regard to account XXXX XXXX I receive an check from the insurance company in the matter to clear this matter up and pay TSI Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have obtained XXXX XXXX XXXX XXXX, offered by TD BANK, N.A approximately a month ago, for the purpose of making a  XXXX product purchase. Shortly thereafter, I've received from TD BANK, N.A the attached privacy notice, which in summary says they will share my personal information with 3rd parties for  marketing and other purposes, unless I instruct them NOT to do so, by calling the phone number, listed on the attached notice. Until this day, TD BANK, N.A had failed to pick up their phone - I have called for 3 weeks straight, every day, using the number provided and 2 more general TD BANK, N.A phone numbers for customer service and account management. I've waited HOURS on hold each time, with some calls lasting over 4 hours only to be disconnected by TD BANK, N.A at the end, without picking up. By failing to EVER pick up their phone TD BANK, N.A disallows me to-opt out from sharing of  my personal information by them, even though according to federal and California privacy laws I have a right to limit the sharing. This is violation of my privacy. 


Additionally, I attempted to register for XXXX XXXX online account, provided by TD BANK, N.A as instructed by email XXXX and TD BANK , N.A . The registration failed due to programmatic issues and site design oversight. As a result, I'm not able to access, view any of my personal or financial information, associated with my TD BANK, N.A account, and also unable to view or pay any bills. As stated above - I had been calling TD BANK, N.A 's customer service and other TD BANK, N.A numbers FOR WEEKS, every day, but TD BANK, N.A is failing to answer any of its  calls and remains completely inaccessible to me, its customer. 

I request CFPB 's help to STOP TD BANK, N.A from abusing my personal information and to penalize TD BANK, N.A for making itself completely unavailable to its customers to both, exercise privacy choices and handle issues, related to TD BANK, N.A account, including reviewing and paying bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft.

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In
my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lotane & Associates, P.A.
State: WI

Complaint narrative:
I have been made aware via solicitation from an attorney looking to represent me in defense, that XXXX XXXX XXXX XXXX is seeking legal action by attempting to sue me in court for an alleged debt. Prior to learning about the pending legal action I was unaware of any alleged debt and believe XXXX XXXX XXXX XXXX has violated protections outlined in the FDCPA by not contacting me prior in writing or by phone and allowing me to request validation of this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX  XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft. 

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C System is unable to provide proof of debt. Or validity of orginal account.

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 2020-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
in the month of XX/XX/2020, i changed my XXXX XXXX XXXX XXXX account and debit card information. after i was compromised by identity theft and someone using my card information to debit fund out. my last car note payment to cnac, jd byrider in XXXX, sc. was made following that month. i informed them i am no longer doing auto debit/draft pay. 
my compromised account and change of employment. 

this information was written down or verbally heared over the phone. 
then in the month of XXXX. i called in to do my payments with a new debit/credit card number. i informed them not to retain my card information for use an any practice. i shall only call in and authorize payments. the next payment in XXXX was automatically drafted out of my bank account. without my authorization and notice. 

i noticed this happened on the last week of XXXX. without my knowledge. i contacted my bank to investigate the charge and dispute. my new card was placed on freeze and any activity without my authorization would not go thru. 

CNAC company attempted over 6 times to remove funds from my bank account without my knowledge. In XXXX, the days of the XXXX, XXXX, XXXX, XXXX in the amounts of XXXX, XXXX and XXXX dollars were attempts to debit my bank account. using my card number given to them before. the card number given to them was not set on auto pay and was not made to be retained for any purposes. even to pay a car note without my call in and authorization. 

i looked up on the FTC website and south carolina website for laws ruling how to handle disputes over compromised accounts and breach of trust. 

it its illegal what they did and attempted to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was hospitalized in XXXX through XXXX of this year, at the same time I was unable to receive several copies of of my statements. I tried contacting customer service to resolve the issues and get my account up to date but it was impossible to get a hold of anyone during this time because of the pandemic. I have called multiple times to follow up on the empty promises I've received about getting my account up to date that would include reporting correctly to the credit bureaus. I am reporting as 30 days late for 1 billing cycle when I was hospitalized and did not get a copy of my statements.

I just want them to update my report as current for the month it is reporting as late. I tried contacting them to resolve my concern and was told numerous times it would be updated showing as current since I did not receive a statement for those months and I was hospitalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collections account for XXXX XXXX is showing on my report. The collections agency has failed to provide validity of debt.

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 2020-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
my bankruptcy for chapter XXXX was approved on 2011 and all debts were discharged but shell point mortgage A/c No. XXXX keep calling my private cellphone and attempt to collect debt even if I advice them the debt is discharged and I don't need to be contacted on the phone almost several times a day nonstop

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
On XX/XX/2020 I gifted a Vehicle that was not running to my Sister. At the time I made a Bill Of Sale and transferred the title to her. Some time around XX/XX/2020 she parked said vehicle in a tow away zone and it was towed by XXXX  XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX. I supplied a copy of that Bill of Sale to XXXX  XXXX with the Signatures of 4 Witnesses and Multiple Businesses owners also saw said transaction take  place. XXXX XXXX Deliberated engages in Deceptive Business practices by sending the bill to Alpine Collections  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Because they new my Sister XXXX XXXX XXXX was homeless living in the Vehicle and I have a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Experian continues and refused to stop reporting false information on my credit report that does not belongs to me and because of that I have been refused housing 2 times. Experian has refused to follow the guidelines under the fair credit reporting act and has not provide me the proof that these accounts are mine, they continue to lie to me and send the same statement that says verified, but I never see any proof that these derogatory accounts are mine. I am asking Experian to bring me verified proof as mandated by law and please deleted these deragatories from my profile. These items are XXXX, the XXXX, XXXX XXXX/XXXX XXXX XXXX. I would also like to opted out of Experian reporting because they have continue to destroy my financial life as if it is a joke. Please deleted these items from my credit report because it is very clear that Experian does no investigation they just send me a XXXX  letter that says verified. I will take legal actions against Experian if these deragatories and all those unauthorized hard inquiries are not removed from my credit files immediately. I am asking to opted out of Experian credit reporting. I am sick of the false reporting that has cost me a mortgage loan on a house twice. I have written to XXXX, XXXX, XXXX   XXXX/XXXX XXXX XXXX and theyve told me that they have nothing in their files to prove these accounts are mines, so why is Experian lying to me and refusing to delete these items thats clearly not mines? I will sue Experian if they do not take these things off my credit profile. I have no other choice now.

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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I monitor my bank account online nearly everyday, and I keep getting low balance, alerts sent via text and email, numerous times a day, and the numbers arent adding up, Ive disputed the transactions that I noticed to be fraudulent, but it keeps happening, and the balance amount is no where near correct. So Im not sure if its a bank error, or someone hacking into my account ...? I just dont know what to do at this point. There is thousands of dollars unaccounted for, and I need to know what to do to stop and prevent this from happening. Please help! 

Thank you sincerely, in advance.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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