vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX committed fraud. 
They issued an auto loan I NEVER SIGNED. THE BANK HAS NO AUTHORITY OR LICENSE TO ISSUE THE LOAN. 
Td Bank is not who they signed me up for They fraudulently signed me up to TD AUTO FINANCE LLC ( whose license expired XXXX XXXX 5 months before they issued a loan to my name ) What fund do they have with an expired license for 2 years now? Where would the money go? Td Auto Finance LLC is a scam. Td Bank is another type of scam. No inquiry was found on my credit score report from TD AUTO FINANCE, the fake bank they sent me bills from and never answer their customer service phone line.

This is fraud and I will step this problem up with all of the banking authorities. 
It is like an XXXX XXXXXXXX XXXX XXXX on me. 
XXXX XXXX XXXX XXXX XXXX California fraudulently attempted to do business with a fraudulent bank- to reiterate td auto finance is unlicensed to do business in the state of California . Who responds now?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, 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 XXXXXXXX again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, XXXXXXXX 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 again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I think this website is unfair to consumer that are victims of identity theft. I have a police report and know the person that stole my identity and still no one is listening. 
I have provided an affidavit, FTC report, and numerous other things to prove this is not my account. Even with a police report i just keep getting generic responses from the debt collector. Please someone help. I will not stop until this is removed. They are illegally reporting this item to my credit.

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 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against W.Fargo Bank for the following reason : For 14 months thus far, I have been dealing with identity theft. I've been shut out of all my W. Fargo accounts this entire time, and W. Fargo will give me no help in getting back in to my accounts. Yet it seems as if W. Fargo easily helps these identity thieves. Several accounts have been opened in my name- without my authorization, and therefore I have accounts in my name at W. Fargo in which I have no access to. W. Fargo is an easy target for identity thieves as I have seen first hand. And the identity thieves receive tremendous financial benefit from W. Fargo- and the W. Fargo customer suffers the consequences.

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 monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I think this website is unfair to consumer that are victims of identity theft. I have a police report and know the person that stole my identity and still no one is listening. 
I have provided an affidavit, FTC report, and numerous other things to prove this is not my account. Even with a police report i just keep getting generic responses from the debt collector. Please someone help. I will not stop until this is removed. They are illegally reporting this item to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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:
I am writing you this notice as a follow up for my previous notice sent XXXX  days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.

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 2024-02-11 00:00:00
Product: Credit reporting 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:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.

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 2024-02-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-02-11 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The problem started when I disputed a {$200.00} credit card charge. My initial dispute was caused by not recognizing the charge, but ultimately it turned out that the dispute basis was for merchandise not received ( a gift certificate ordered in response to the merchants XXXX XXXX promotion ). The merchant also charged the wrong amount, failing to honor the promotion it sent me, and then never sent the merchandise it claims it delivered. The merchant never provided proof of delivery, and never provided any evidence that the gift certificate was used or otherwise applied. 
Ultimately Citibank would not credit me the {$200.00}, saying the merchant would not honor the chargeback. I objected to Citibank, stating the fact that the merchant will not honor the charge back is consistent with this fraudulent business practice ( not honoring the promotion and not delivering the gift certificate ). 
Thereafter, when I asked the merchant about the missing gift certificate, it was sent to me. I was told it was good for any merchandise and it did not expire. 
Later, when I tried to use the gift certificate, the merchant told me that because of the charge back request, the gift certificate was voided and I was banned from ordering anything from the merchant. 
I immediately wrote to Citibank, asking for the dispute to be reopened, and reiterated the events where the merchant refused to honor the charge back, but has voided the gift certificate and banned me from any transactions, and asked that the {$200.00} credit be reinstated permanently. Citibank refused my request without any explanation ( enclosed ). 

In effect, Citibank has partnered with the merchant to steal {$200.00} from me. This is not what I expect from a major national bank, and if it is not illegal, it should be.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX  alert came across my email to inform me that I had a negative inquiry. My account is frozen and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency named Helvey & Associates Inc., stating the collection amount owed is {$1700.00} past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've never opened up an account with this company.

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 2024-02-11 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked prepaid accommodation in XXXX, XXXX, with a one-night penalty for cancelation. I requested XXXX for cancelation as I got a better deal at the same hotel for the same duration ; the customer service rep stated that the hotel is not agreeing to waive off XXXX night 's charge even if I was going to stay there for the same duration. On this, she went ahead and canceled this reservation. 
I was well aware of the fact that I'll be charged for XXXX night, but to my surprise, the hotel charged me for the whole stay of 10 days ( over {$5000.00} ). When I disputed this with Chase, the hotel stated that it was a prepaid reservation and I was a no show, which in fact wasn't right. XXXX 's own customer rep canceled my reservation. 
Without contacting me or asking for my side of the story, Chase simply closed my case and charged me back for the whole amount. How is this fair and justified in any first world country? The only option for a consumer like me is to take both Chase, and XXXX to small claims court for the money and stress. I know, I am in the right here as my cancelation recordings must be with XXXX and it was Chase dispute team 's to investigate the matter. 
I tried contacting Chase again, and the gentleman stated there's nothing you can do as we have closed this case. Again, I feel like a victim in front a multi-billion dollar bank colluding with XXXX. All I request is to re-investigate this dispute and listen to my side of the story as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.

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 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2024, I submitted a payment of {$210.00} to a business XXXX XXXX to rent her photo studio via Venmo. Unfortunately, after asking two times for her contract after a month, she finally gives it to me and there were unknown factors ( not announced to me prior to payment ) that influenced me to request a full refund from her as I was not going to use her studio. She has denied giving me a refund so I contacted Venmo to dispute this charge and they denied it telling me to try to talk to the business owner, as if I didnt already try. Venmo offers purchase protection for businesses like this and yet, I am unable to receive a refund. I would like help to retrieve this refund, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contact this company to aware them of late payment reporting on my account and ask if they can removed this inaccurate reporting. The company inform me that since the account was closed there was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Received a {$250.00} AMEX gift card from my job as a gift. Can not use it. Tried to use on an online website, no go. It says I can use it if the site takes CVV cord, it does, NO GO. Keeps getting rejected. Attempted to add to XXXX XXXX, again, rejected. THIS CARD IS A SCAM. You will see on the print out that they deducted XXXX for each failed transaction. This card is unusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Negotiated debt settlement only on the terms the item would be removed from report with all CRA 's. The Third-Party despite the negotiation and agreement under contract in written form has failed to notify the XXXX to remove the item from credit report. Professional Debt Mediation , Inc. is in violation of the following : ( B ) furnishers of information to consumer reporting agencies maintain full and prompt compliance with the duties and responsibilities established under section 623 of the Fair Credit Reporting Act [ 15 U.S.C. 1681s2 ] The furnisher is not in compliance with the duties and responsibilities established under section 623 of the FCRA. It has failed to fulfill its obligation to report accurate information.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate '' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Professional Debt Meditation, Inc last updated the credit file with XXXX on XX/XX/2024. Fully knowing and having knowledge the item should be removed from the consumers credit report as shown in the Pay for Deletion attached. 

Professional Debt Meditation did act in Good Faith and reported the deletion of the item to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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