vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My problem is with TD Bank. I have my account with TD Bank and I wrote checks to the United States Department of the treasury to pay my taxes on XX/XX/2022. These checks were stolen, forged and deposited or cashed by the XXXX XXXX XXXXXXXX. I filled out affidavits of forgery and police reports. TD Bank has not reimbursed my largest check that was stolen for {$4600.00}. This check was clearly made out to the United States treasury and had all of my information on it including my Social Security number and phone number. TD banks fraud department has not reinbursed my money and it has been six months!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO TRANSUNION VIA USPS CERITIFED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the 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 non-monetary relief
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the 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 non-monetary relief
Consumer complaint received 2022-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by bank of america to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore bank of america is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2022-11-03 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: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2022-11-03 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: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I dropped classes from my school XXXX XXXX and they sent over information regarding my refund to Climb, the lender handling my loan. I have tried multiple times to contact Climb because my loan balance has not been updated and it's coming up on two months now ( ll the while I'm being charged interest on the full balance before the refund ) since the initial refund request was requested. I tried calling but when you call the number on the Climb 's website the IVR tells you to email and then disconnects the call. I emailed them several times and I keep getting a canned response saying the refund is " in process ''. I am not sure why it would take over two months to process a refund. I just want my account to reflect the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account had been in arrears and was restricted. I set up a payment plan to catch up on my account and have the restriction removed. I began paying off my account earlier this year. Once my account was no longer behind and I was currently with payments, I called and asked about having the restriction removed. I was told by a customer service agent that with XXXX on time monthly payments or paying off the balance in its entirety the restriction would be removed and I would be able to use my card. I made XXXX monthly on time payments. In fact, the third monthly payment I paid off my entire bill and currently have a {$0.00} balance. When I called back I was told that I would have to wait close to 30 days for the restriction to be lifted. I stated that's not what I was told previously by Customer Service. So then, I was transferred to a Specialist would said the restriction would be removed in 10 days. I called back and now I'm being told it will be 10 BUSINESS days. I've paid my ENTIRE balance and just want to use my card!

I constantly remind them the calls were recorded, so what was told to me can be verified. But each time I speak with Customer Service agents they tell me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has recently come to my attention that an auto loan was opened in my name. A while back I received a letter from XXXX XXXX XXXX stating that I had a balance owned of {$8700.00}. This I have never had an auto loan with XXXX XXXXXXXX XXXX  so this took me by surprise. The following info is all of the specifics of the fraud as appears on my credit report. 
Experian Credit Report # XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account type : Auto Loan Date opened : XX/XX/2015 Balance : ( {$8700.00} ) I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity theft report number is XXXX. 
I have provided a written statement on the Identity theft report and also attached a picture of my drivers license and tax documents for verification. I would like the CFPB to investigate and remove this fraudulent item.

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr Cooper has evidently bought my mortgage from XXXX XXXX, and it has been an absolute nightmare from the beginning date of XX/XX/XXXX. I asked them to remove the PMI from my account and after stating that I don't have enough equity and I can pay {$150.00} to have a broker appraisal done. Even though they show on their website that I'm sitting at 52 % ownership position with {$180000.00} ( uploaded copy below ) of equity and a loan balance of {$160000.00} and I know they are wrong ; I agreed to go ahead and have an outside opinion scheduled so they can no longer use that as an excuse. They actually sent me an email from their PMI department ( uploaded copy below ) stating that I purchased the property for {$160000.00} and the current loan balance is {$190000.00} which is the exact opposite of the facts. I purchased the property in XXXX for {$190000.00} and my current loan balance is approximately {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Well what happened I was in hospital having a XXXX due too so much stress going on and flagship towed my car which is fine but they could call me too see what happened and then the people they sent went in my car trashed it and didn't return my items they put some in garage bags but didn't get permission to enter the car but now I want me to pick it back up when I don't know what was done too it so I want to sue but I can have consideration but I don't know but some unlawful things took place that I'm not wanting to deal with I work for state so I'm not trying get in trouble for nobody..

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 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by Capital One to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Capital One is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/2020 Date Credit Card was opened XX/XX/2020 Transaction date {$400.00} Location XXXX XXXX # XXXX ( XXXX, Arizona ) The address used to open the account was not my current address. 
I was never in XXXX, Arizona. 
I never made any online purchases from any Walmarts in Arizona. 
I never received any bills from XXXX XXXX XXXX because I did not live at the address used to open the account. 
I never received any emails, phone calls or any form of communication from XXXX XXXX XXXX about the account. 
I was later contacted by Midland Credit Management about the account almost 2 years after the XXXX XXXX Credit Card had been opened and used. 
XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX of {$1100.00}

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 2022-11-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. Equifax sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

EQUIFAX REPORT XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX-inquiry date XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX-inquiry date XXXX XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX -inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXXXXXX XXXX  -inquiry date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i disputed my personal information with them because they had lots of other incorrect names and addresses

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 2022-11-03 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: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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