vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Upon pulling my consumer report, I noticed several inquiries that I have no knowledge of. I have not applied for employment nor credit with these institutions and would like these inquiries immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Capitol One National bank and spoke with a Senior Account Manager, XXXX ID # XXXX. 

I shared with XXXX XXXX that in XX/XX/XXXX capital One gave me a line of credit worth {$3000.00}. Oh I informed her that national banks did not have the power to lend their own credit. That my credit was extended to me. Capital one representative stated that capital one gave me a loan of credit. Which makes no sense considering the definition of credit pursue it title 15 USC 1602F. But I went along with her and said OK if it was a loan where did capital One get the credit too long to me? She stated that the line was credit was given on behalf of capital one that the line of credit was not in tangible cash but it was supposed to be US dollars. 
I informed the Capital One representative that banks were committing fraud by creating checkbook money and intimidating consumers into paying them back in US dollars. I shared that along with other information in regards to the fraud that capital One has been committing. I ended the conversation telling the representative that I would like my balance to be zeroed out. She shared that she could not do that and advised me to send a letter to headquarters in XXXX Virginia. She stated that there was no one above her that I could speak with in regards to this issue and that she would know my account. Which means nothing. When I asked her what she would put on the count she stated she would put that guy did not want to pay the balance. Which is not true, I am willing to pay if capital One can prove that they gave me something. Capital one representative have shared that they gave a line of credit. We know that banks can not extend their own credit therefore my credit was given to me. Before capital One to request that I pay them back something that was mine is fraud in bad business. 


Ref # : XXXX Also, All conversations that I have with Capital One representatives are recorded and I have recordings in my possession. Recordings contain Capital one representatives agreeing to the fraud taking place on behalf of capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My credit was used without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
We received checks in my name with a fake phone number but at a former address I have used from TD Bank. We also received a letter of denial from XXXXXXXX XXXX XXXXXXXX XXXX that said someone submitted an application in my name to open a premium online savings account. This account was not opened due to a denial from XXXXXXXX XXXX based on the fact that they could not verify the identity of the applicant. I did not attempt to open either of these accounts. The XXXX XXXX application denial was dated XXXX. The checks from TD Bank arrived in the mail last week to an address I formerly lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an XXXX dispute letters to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an two dispute letters to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account. 
I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts. 
WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report immediately.

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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I had contact the office by phone more than XXXX time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be XXXX by them XXXX more time? 

We are all having a difficult time with This XXXX pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, TransUnion, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, XXXX, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My husband made our mortgage payment through his credit union on XX/XX/2021. This payment was successfully made and we received a statement from freedom mortgage on XX/XX/XXXX showing that it was applied to the account and all that was owed was for XXXX. Three days later we received a letter on our door saying that the payment was reversed and the account was 30 days past due for the month of XXXX. 

Upon receiving this notice we contacted our credit union as well as freedom mortgage to confirm that the payment was in fact made. We provided statements from not only the credit union but the federal reserve showing that freedom mortgage did in fact receive the funds of {$1800.00}. 

In an ongoing battle for the past four months, weve provided multiple account statements from XXXX to XXXX showing the funds were never reversed. 

Weve spoken to countless representatives whove claimed the research showed a reversed payment and have refused to review the documents provided from the credit union nor the federal reserve. 

In turn, freedom mortgage has refused to research internally where our mortgage funds have been applied to. Weve had to double pay our mortgage payments, took a false late payment hit to our credit and continue to receive no help regarding this issue.

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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous and Associates is a law firm supposedly hired by XXXX XXXX. I formerly had a month to month agreement with XXXX XXXX. This gym location closed during covid. 

I never heard of XXXX XXXX and never signed an agreement. i never received notification of the gym closure. 

I requested a copy of the alleged contract from the debt collector but they refuse to provide and request I pay {$180.00}. Acct. XXXX XXXX XXXX Meanwhile, they reported this debt to the credit bureaus causing damage to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
I re-downloaded Cash App today ( XX/XX/22 ) to be able to make an urgent payment of {$100.00} to my sister. I had an account previously, but it is very difficult to re-log into an existing account because of how the app is set up. ( My phone number and bank had changed, but I still knew my email, log-in ID and password to the original account. Didnt matter, I had to crate a new one. No option to even click log on on the screen when you download the app. ) So I created a new account, plugged in my information and bank account, added in my sisters information, and tried to sent her money over the app. It went through but was immediately cancelled : Money was pulled out of my account but never made it to her. The money was not immediately returned either : I received a notification that said I would be refunded on Wednesday ( XX/XX/22 ). 

Now I have no way of making a payment that was urgent because now neither of us have the money. I was given no warning that payments may be cancelled. I was given no reason for why payments pay me cancelled. All of the cash send/receive apps I have used previously explain to the customer similar exceptions BEFORE the customer tries to send or receive money. This was not the case with CashApp. 

When I opened the customer support chat on the app, I was given copy & paste customer service answers. I was unable to get any specifics on why this transaction was cancelled ( for example : was this automatic because of my new account? I dont know. ) The support chat person told me that I am free to send and receive money now, but again, was unable to get any specifics on how I How I would know that the same error wouldnt occur again and I wouldnt be losing my money for several days again. 

I didnt get any specifics over chat or through reading through the user agreement. Finally, I tried to call the customer support number but the number is out of commission. Its a simple recoding that redirects you back to chat with a support person on the app. It is impossible to actually reach a person through this phone number, yet the company is advertising as if it has a real customer support option when it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
Fact, I the XXXX is aware and have proof that Equifax has and continued to violate my consumer right and privacy. I the affiant observed 12 violations consumer credit report. Equifax is and continues to be in violation of 15 USC 1681 ( A ) ( 4 ), 15 ISC 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous of time that the Information was incorrect and should not be on there. I have been injured numerous from Equifax gross and negligent and willful behavior these injured include, and not limited to being denied credit, my reputation been ruined, loss of income, XXXX XXXX  XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an two dispute letters to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Consolidated Information Services Solutions, LLC
State: IL

Complaint narrative:
My credit was used without my permission.

Company response to consumer: Closed with explanation