vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit file at Equifax has an incorrect birthdate. Equifax was first notified about this on XX/XX/XXXX. In order to correct this, Equifax requested copies of my driver license and social security card to verify my identity and birthdate. Copies of these documents were faxed to Equifax on XX/XX/XXXX. Equifax then sent a me letter stating that the birthdate in my file had been corrected. This letter had a confirmation number and was dated XX/XX/XXXX. On XX/XX/XXXX, I contacted Equifax by telephone to lift a credit freeze, and I learned that the birthdate in my credit file was still incorrect. Equifax had no record of the letter or confirmation number it had sent me on XX/XX/XXXX. Equifax told me they would investigate the reason they had the incorrect birthdate on file. On XX/XX/XXXX, I received a letter from Equifax stating that they had verified that the incorrect birthdate was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
On XXXX on XXXX I Received a phone call from " XXXX XXXX. He refused to give me an ID number or last name. He repeatedly cut me off, called me stupid, and talked over me. I requested a validation of debt several times and was told, no, the company would not be sending me any validation. I requested the document be sent through certified mail, which he refused to do. I also requested the documents be sent through regular mail, which he also refused to do. He used very aggressive scare tactics, telling me that I would be evicted and homeless later on in life unless I paid the collection in FULL. I believe this is in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX9transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.

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 2022-05-04 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: SC

Complaint narrative:
I have tried to reason with XXXX XXXX Drive time about my overdue balance since the car was repossessed, all I wanted is for it to be removed so that it won't affect my credit score anymore.i was XXXX XXXX XXXX XXXX and couldnt not work to afford the payments while hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted Flagstar as I received a new statement increasing my mortgage payment from {$1600.00} to {$3400.00} due to real estate taxes. I submitted taxes for the year of XXXX since this was a new construction we only received one bill which was {$9000.00} but then I sent a corrected bill for {$8000.00}. My yearly tax is {$8000.00}. In XXXX the first installment is 55 % of {$8000.00}. The bill sent to {$4400.00} for first installment. The second installment is 45 % of {$8000.00}. {$3600.00}. This mortgage company is calculating my taxes to be $ XXXX. I called spoke to a supervisor and she said she would submit to the documents to escrow department to recalculate. They are adding the entire tax of XXXX and the first assessment of XXXX. I cant make the requested payment and Im afraid that my mortgage will desfavorable. I also reached out to a local flagstar originator and he was able to forward correspondence to me when I reached out to him. They didnt find any issues. It appears it wasnt escalated and sent to escrow department 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 2022-05-04 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act : XXXX XXXX Serv Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy. 

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

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 2022-05-04 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: NY

Complaint narrative:
About two months ago a XXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NY

Complaint narrative:
About two months ago a XXXXXXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Received two bank statements from TD Bank in the mail today as well as a XXXX  debit card. All addressed to me with my first and last name. I have NEVER even heard of such company and i already have bank. I called a dozen times to their customer service fraud department and no one would give me information as to whether my social security number was compromised.. or how these accounts were opened without my consent. On the mail it says the accounts were opened XX/XX/2022 on a Sunday. I checked the mail today XX/XX/2022 and thats when i discovered the card and statements. I to 5 different people and all they could tell me was to drive to the nearest td bank .. which i refused because its hours away. They also refused to tell me where they were located .. and any details about the company nor could or did they verify any of my personal info ( like address, last 4 of social, anything like a real bank would ). Regardless, this is NOT okay and i want answers and i want proof the accounts are not only closed but i want severe reprimand for the fact that this is allowed to occur i should not have to worry about identify theft or fraud or my personal information being compromised. SHUT THIS COMPANY OR BANK OR WHATEVER THEY ARE DOWN i have found the class action against them, the complaints and thousands of fraudulent reports of them illegally opening up bank accounts .. this is outrageous!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
HELLO TO WHOM IT MAY CONCERN I AM CONTACTING YOU ABOUT DEBT RECOVERY SOLUTIONS BETTER KNOWN AS XXXX XXXX XXXX XXXX THEY ARE CONSTANTLY CALLING AFTER HOURS EVERYDAY AND ALSO AFTER HOURS CONSTANTLY BREATHING ON THE PHONE DEMANDING PAYMENT OR CREDIT WILL BE DAMAGED THEY CALL FROM DIFFERENT AREA CODES FOR ME TO ANSWER AT THE TIME I WAS COVERED WITH MEDICAID AND THEY STILL PUT IT ON ALL CREDIT BUREAS WHY I DON'T KNOW I HAVE DISPUTED IT THROUGH ALL CREDIT BUREAS AND THEY STILL KEEP HITTING MY CREDIT REPORTS UNDER DIFFERENT NAMES AND THEY JUST HIT MY CREDIT ON XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MO

Complaint narrative:
In XXXX of XXXX we ordered four XXXX from XXXX. We were instructed to wait until all of the phones arrived before we go and activate them. The first three phones arrive and then the last phone never arrives. We reach out to XXXX to see where our fourth phone is located so we can proceed in activating them and are in instructed that our account has been locked for fraudulent account activity since we haven't activated the phones. Mind you, we were following the instruction of the XXXX associate. We finally receive the fourth phone in mid XX/XX/XXXX and proceed to the store to get the phones activated. We then find out that our numbers will not port into their system ( which should have been a step the XXXX associate confirmed before any phone ordering happened ) and determine that we are no longer interested in XXXX service. We work with the XXXX store manager to receive a full refund of all of our charges since none of the phones were used and were returned in unopened boxes. I have all of the receipts that show this credit. I assume everything is in good order and receive no further communication from XXXX. Fast forward to XX/XX/XXXX, I receive a bill from XXXX claiming I owe roughly $ XXXX when I have returned every phone and have all of the receipts indicating my account has been credited in full. I have been working with a customer service associate at XXXX and she has continually confirmed that this balance is not accurate and I in fact do not owe anything to XXXX. I can also provide documents of all of that communication. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NY

Complaint narrative:
About two months ago a XXXX  card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: PA

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. 

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 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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt recovery solutions llc has attempted to collect a debt that is not mine and has been removed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
BANK OF AMERICA ACCEPTED MONEY FROM *THE ARKANSAS RENT RELIEF PROGRAM* WITH " TWO PARTY CHECK*..WITH ONLY 1SIGNATURE. IT WAS *MANDATED* ON XXXX 2022. THAT ALL PAYMENTS MUST REQUIRE ( XXXX SIGNATURES ) ..THIS WAS NOT DONE ON *ANY PAYMENTSXXXX TOTALLING OVER XXXX WORTH A CURRENCY..THAT WAS *, NOT* SUPPOSED..TO BE DEPOSITED WITHOUT MY *SIGNATURE* ; AND I KNOW SEVERAL OTHER CLIENT THAT *XXXX XXXX XXXXXXXX ( No longer in service ) ..AFTER THE FRAUD ... .YOU HAVE DEFRAUDED THIS SYSTEM AND MY DISCRIMINATION *REPORT* THAT WAS *, ALREADY FILEDXXXX ... PROVES..BOTH ACTION ARE *TRUE*. AND FOR THIS COMPLAINT TO BE RESOLVED WITHOUT BEING PUBLICLY *DISPLAYED*... SHOWING THE RACIST.ACTS TOWARDS ME ... .NOT ALLOWING ME TO OPEN MY *BUSINESS ACCOUNT* ... ..AND MULTIPLE OTHER OFFENCES. FOR THIS DEMONIC ACTION ... XXXX IN JESUS NAME AMEN! XXXX ... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MI

Complaint narrative:
on. for 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 XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXX FCU Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-05-04 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called Ally Financial XXXX XXXX XXXX  XXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for XXXX on XXXX, XXXX, 2022. 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!

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