vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: ENOVA INTERNATIONAL, INC.
State: DC

Complaint narrative:
The company Netcredit has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.

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 2023-07-15 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : Cain & Weiner- $ XXXX orignal creditor Progressive- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND XXXX XXXX this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At least one Bank of America savings account was opened using my personal information, without my consent. I am not a Bank of America customer, however, in XXXX, my parents, who live nearly XXXX miles from me in another state, received a piece of mail addressed to me from Bank of America. I went into a local branch in XXXX XXXX, Florida when I was made aware of this. While at the local branch, I spoke with a branch manager and closed the account. I filed a fraud claim at that time. However, over the past few months since then, my parents continued to receive mail from Bank of America, including a debit card linked to the account I had closed and reported for fraud. Once again, I called Bank of America to report fraud. 

Most recently, my parents received another piece of mail from Bank of America on XX/XX/XXXX. When they informed me of this, I immediately went into a local branch to discuss my serious concerns once again with the branch manager. They confirmed that someone attempted to open an account at least three additional times using my information, despite me informing them that no one should be able to open an account with my name or social security number. They allowed funds to be deposited into this fraudulent account and withdrew funds from the account that I was liable for paying ( a monthly maintenance fee ), despite not having opened the account in the first place. This has caused me hours of unnecessary pain and suffering, as I have spent hours in person, on the internet and on the phone dealing with fraudulent activity related to Bank of America. I have since opened an XXXX XXXX account to prevent future cases of fraud related to this. I would like to be compensated for the time, money and energy invested to dealing with this.

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 2023-07-15 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: MI

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX  XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, and XXXX XXXX # : XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
The National Credit System garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted them and explained that the issue is still showing on my report and I need confirmation that it was supposed to be removed. As of now, it still shows that I owe the company the debt amount, but aligned with different account numbers. I have documentation from my previous employer that states that the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Nordstrom accepted 2 negotiable instruments but refuses to adjust the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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:
Equifax. They have had both my legal name and date of birth incorrect on my report. As an individual with a very common name it is critical that it be reported correctly. After noting the errors in routinely requested report I both wrote and submitted them a Research Request Form them on XX/XX/23. In that same correspondence I provided them with copies of both my US Passport and Florida driver 's license for support of the requested corrections. Additionally, I requested that a corrected report be sent to any credit grantor for whom they had sent incorrect information in the past 6 months. 
I received from them a report dated XX/XX/23 on which I noted a correction of my Date of Birth. They had NOT, however, corrected my legal name. I wrote them again on XXXX, thanking them for the one correction, pointing out that they had official documentation and asking that they make the name correction and again also send corrected information to credit grantors. 
I received from them a report dated XX/XX/23 in which no correction had been made and they responded asking that I send official support documents for the name change ( passport, social security, dirver 's, etc. ). I AGAIN wrote them on XX/XX/23 repeating the requests and verifying they had already received documents. 
Lastly, I have received from them a report date XX/XX/23 - AGAIN with no correction of my name and the response from them to " send documents '' that they already have. Additionally, they are NOW saying they will not send corrected reports to credit grantors unless I SPECIFY EXACTLY which grantors should receive them!! It is their responsibility to both know which credit grantors they have sent information to in the past 6 months and correct it. MY NAME IS STILL INCORRECT. 
I am not attaching copies of correspondence or incorrect reports but they are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
According to 15 usc 1679a, no violation is to be committed, if so a rescinding of contract occurs. On XX/XX/XXXX I got a loan for a XXXX XXXX at the Toyota XXXX dealership which address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX phone number XXXX. I was to pay an installment loan of XXXX for 72 months if contract wasnt broken according to consumer law. During the first month of the term I read over my contract and noticed the fraudulent numbers on there. The sum of all charges, insurance, and no cash was given in hand for the loan.. They broke the good faith agreement. The sum of all charges wasnt in my car note, and the warranty on the vehicle. I sent a cease and desist letter but that wasnt honored. Constantly harassed to pay the debt but once violated a recision occurs and both parties status go back to what they were previously no contact. With that being said theres a XXXX dollar charge for each violation and I get to keep the property. Contract is voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: DISCOVER BANK
State: PA

Complaint narrative:
I XXXX XXXX have recently identified several unauthorized credit card charges on my account. I did not authorize these charges nor have I engaged in any transactions associated with these amounts. I am deeply concerned about this situation and I request an immediate investigation into these unauthorized charges to restore the integrity of my account and ensure that I am not held responsible for these fraudulent activities. 
I XXXX XXXX hereby request and insist that these unauthorized charges be thoroughly investigated and promptly removed from my account. I expect complete transparency and collaboration from the credit card company, and I demand that all necessary steps be taken to reverse these charges and ensure that this situation does not recur in the future. I trust that the credit card company will handle this matter with the utmost urgency and professionalism. 
Please handle this accordingly, and promptly have this removed, those charges from credit card, as should not held liable, the charges where done in Texas, I live in Pennsylvania. I have addressed this issue several times and they still have not responded. Discover credit card needs to take care of this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank charged me a {$370.00} appraisal fee on my loan number XXXX. TD initially sent me a letter/notice dated from XX/XX/. After several phone contacts and their inability to provide information backing up the appraisal fee, the fee was reversed and confirmed to me by phone by XXXX, a TD Bank Supervisor at the Loan Servicing Department, on XX/XX/ XXXX 
However, a few days later, I received another letter/notice from TD Bank dated from XX/XX/XXXX  ( same day I was told the fee was reversed ) signed by XXXX, XXXX customer experience, finally providing an explanation : the bank was contacted by the XXXX XXXX about my property and decided to order an appraisal.

The bank failed to mention that i ) it never contacted me, the property owner, about the need for the appraisal, ii ) that my HELOC has never been used since its inception, more than 7 years ago ( {$0.00} outstanding ) ; iii ) the XXXX XXXX issue was withdrawn by the plaintiff in the next few days after being submitted because it was based on wrong information. 
Now, TD is trying bill me the {$370.00} appraisal fee to make up for their administrative error of ordering an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
credit account company reports that I didn't pay a balance of a credit card in XXXX  when I was only XXXX years of age. account information is not accurate and to my understanding people XXXX  XXXX are not even able to pull credit cards out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX

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 2023-07-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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