vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As I tried to go over my credit report I see an account that is in accounted for

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
XXXX XXXX ; TD Bank account management with TD Bank XXXX XXXX XXXX XXXX 

Disputes had been reported to TD Bank ; ref Merchant purchased products or services. Consumer paid for {$140.00} at hair salon on XX/XX/XXXX. Consumer advised Merchant the service was below expectations and resulted in damage to hair and color applied was backwards from the formula designed to the sections as needed. The Merchant was advised. Merchants tend not to refund consumers for botched services and tend to maximize their denial until the Bank places a dispute or reason for refunds. TD Bank applied a dispute claim to the account by provisional credit. The expectations by the consumer is for TD Bank send notifications to the merchant, ref a claim or charge back. The Merchant may or may not agree with the claim, although it's customary to have the merchant make good on poor service or lack of service. TD Bank claims that there was no error made on the purchase ; therefore, the consumer pays back the credit. The consumer is left with poor service and the bill. T D Bank explanations aren't in line with the process of investigating debit purchases, because those funds are provided by the consumer deposits. Instead of following through with sufficient investigation, TD Bank rather have VISA determination as to errors rather than disputes that will effect the consumer and the merchant goes free. 
Second, a new submission was entered by the consumer, when TD Bank requested documentation from the consumer, explaining the incident or concerns and was made to fax documents direct to TD Bank claims department after the first decision of denial. Consumer contends that TD Bank isn't managing disputes directly with XXXX, instead is relying on XXXX to make determination by only looking into errors or fraudulent charges on bank card. It's obvious, there's no remedy to canceled orders, canceled service, botched services, or returned purchases. That's an issue and an ongoing problem within the industry. XXXX doesn't want to charge back an item to the Merchant ; given its working relationship. The Consumer is considered the payer and my not have alternatives to resolutions through financial institutions. 
Third, TD Bank mismanagement of disputes effects the bottom line in the consumers daily balance. In this case, the consumer had positive balance on XX/XX/XXXX. After TD Bank reversed {$140.00} on the account it caused negative balance. Plus TD Bank charged ( 2 ) overdrafts due to the reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-07 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: MO

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( TransUnion, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX ( TransUnion ) XXXX  Account Number : XXXX ( TransUnion ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus Equifax, XXXX, and XXXX are reporting bankruptcies on my credit report, attributing the information to thXXXX XXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. Equifax, XXXX and XXXX is falsely reporting this information on my credit report and has not yet removed it. XXXX XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: AL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I am a prinicipal in a company that assists borrowers in obtaining low interest assumable mortgages that are FHA or VA loans. 
I have been involved in over 20 closed loan assumptions with MrCooperNationstar and all have been difficult because MrCoopers disclosures to the buyer and seller on these FHA or VA loans errantly advise them that " In order to begin the qualification process for the assumption of the loan, the loan must be current at the time of the assumption '' and " please be advised that the loan is not assumable, according to the terms of the note, if an unrelated third party is requesting to assume the note '' These statements are incorrect, wrong and misleading and in addition to violating Section 5 of the Federal Trade commission Act as the sending of these letters are " unfair and deceptive acts affecting commerce '' they are also an UDAAP by CFPB regulations and guidelines.

MrCooperNationstar will not ALLOW an applicant to apply to assume one of their serviced FHA or VA loans until they are vetted by their up front process that mandates they receive and respond to these " welcome letters '' .This violates the CFPA requirements that an " application '' exists when the lender has 6 pieces of information their licensed loan officers refuse mailed applications for credit approvals on assumptions and refer it back to their existing intake process which begins with this " welcome Letter '' .I have clients who have sent their completed URLA, authorizations copy of purchase contract, etc to licensed loan officers specializing in assumptions and have it ignored until they go through their intake process.This welcome letter is intended to dissuade people from trying to consummate an assumption.

The letters I am attaching show reference numbers from MrCooper of XXXX to XXXX and that is over just one year.The question is how many of those XXXX plus inquiries were potential assumptors or assumptees who were disssuaded from consummation of the assumption because of MrCoopers deceptive practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX on XX/XX/year> using my name, SSN and other details without my consent or knowledge

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 2024-12-07 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: TX

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NJ

Complaint narrative:
As I tried to go over my credit report I see an account that is in accounted for

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 2024-12-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As I tried to go over my credit report I see an account that is in accounted for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are continually Abusing their Authority in this Country by violating and abusing my rights : Compelling deposition on a 7 year old debt with unethical practices only drives me to have to sue Capitol for emotional damages. Currently their lawless attorneys have compelled an illegal deposition for a closed case that has a default judgement with no new legal evidence to provoke harassment of the judicial system and I. Capitol One, thru their attorneys sent a lawless man to my home that is a criminal to try and serve me after this case was closed. I had to put an injunction on that criminal of a person that illegal came to my house. Now Capital One, their Attorneys, and that lawless individual that did criminalistic activities to my family and I are getting sought after for weaponizing the law with violence and noncompliance. Capitol One already reported to my credit for 7 years. Now, they're throwing a tantrum violently. I've requested they dismiss their deposition in an attempt to save them from a lawsuit. They refused to take it. So, now they'll have to receive the consequences. Capitol One needs to submit a dismissal with prejudice on Florida Case XXXX in XXXX XXXX XXXX XXXX XXXX for the following reasons. I'd like {$300000.00} because 2 of my innocent family members and I were harassed, stalked, and violated thru Capitol One 's negligence.

15 U.S.C. 1692e -False or misleading representations 15 U.S.C. 1692d -Harassment or abuse 15 U.S.C. 1692f - Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
in XXXX XXXX XXXX during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and Pen Fed did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from Pen Fed Credit Union regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it.

It been 6 years now. and Pen Fed said they will never take it off

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 2024-12-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX  Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX Bank Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

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