vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Nordstrom/TD Bank resulting in fraudulent inquiries on my XXXX credit report from TD Bank . I exhausted all reasonable attempts to contact both TD Bank and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. TD Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent TD Bank inquiry removed from my XXXX Credit report. The dates of the fraudulent TD Bank credit report inquiry is XX/XX/XXXX. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by TD Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance Management is inaccurately reporting on my credit. I satisfied my financial obligations with the original credit and there should have never been a balance reporting or sold to a collection agency. I have attached my proof of payment to the original credit AND even attached proof of a letter directly from the original creditor. Please delete this account from my credit asap.

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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 60 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to 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 non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase promises {$4.00} for taking a lesson about learning about Coinbase wallet. They do not mention that I have to sign up for the wallet until I'm almost through the lesson. I can't complete the lesson without doing the wallet thing.

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

Complaint narrative:
Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.

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 2022-04-04 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING, INC and their attorney got a judgment which is the result of identity theft and it was uncollectible because it was past the statute of limitation. A relative took out a credit card in my name. I paid it about ten years ago by phone and thought that was the end of it. LVNV through their lawyers, XXXX XXXX in XXXX XXXX got a judgment although they knew the debt was old and uncollectible. of course, the Judge took their side because that's what a corruptible judicial system does. I tried to tell them it wasn't my debt and besides that it had been paid by them collecting a payment more than a decade ago. i also had someone tell the Judge that I had an email that stated that the email was too old. I do not owe LVNV anything and I do not see how they can collect on this debt. The collection attorneys they have are the worse. Not only that, they are well connected, getting judgements on people everyday. You need to investigate them and their antics for the sake of hard working consumers like me who are being railroaded by big corporations who buy old debts for pennies on the dollar. it's unfair for me to be a victim of identity theft, pay the bill and then get a judgment against me for an zombie debt. It is so unfair I am crying all the time about this because there are people out there who are just horrible people and take advantage cause they can. I do not have any more money to pay lawyers but I will not give up because I do not owe this and I can not let them win

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA decided to sell off their investment banking business to XXXX XXXX. In the course of the transfer, my IRA was converted from to a standard brokerage account, which triggered a letter from the IRS. Apparently, USAA hired a company called " XXXX XXXX XXXX, XXXX '' to do all of this clearing and at some point, the account was converted to a brokerage account, which might have created a taxable event. The process is still ongoing but because of USAA 's actions, I will now be forced to spend numerous hours correcting their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have an account with CashApp. My phone was stolen while traveling and was reported to them immediately when I realized it was gone. I also contacted my bank, changed email password, among other passwords, and reported my phone stolen to my phone carrier. CashApp support had me create a new username/account that day on XX/XX/22. Previous acct username is XXXX XXXX, current/new account username is XXXX XXXX. CashApp is making it impossible to recover my old account & funds! The only security verification 's they have asked for is the card # linked to my account, which has changed since I opened my account with them. The old card was replaced with a new card with a chip from my credit union. They gave me the option of using my bank account info as well, which I tried, but the account number was never added to my CashApp account to begin with so that did not work either.They will not and have not given me the option to verify my identity through a valid form of government issued identification, or any verification from my XXXX XXXX bank. The old card and new card is linked to the same bank account. The only solution & answer they keep giving me is that there is nothing further they can do and that no further actions can be taken. I have money in that account that is mine and I need access to it! This is fraudulent & unacceptable. I need help! This issue was reported to them on Thursday, XX/XX/XXXX. Again on Friday, XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XXXX XXXX I have attempted to resolve this multiple times on these days via their chat support, and a phone call with a representative today on Tuesday, XX/XX/XXXX. They are not providing any solution or direction and are sending me in circles. Back to square one every single time. I have around {$1000.00} in that account and it does not make any sense that they could just keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted Equifax several times to explain to them that I am not able to populate any data on the website..such as my credit report, score summary and personal information. 

I took screenshoots of the the main page which indicates that the last update was XX/XX/21 and XX/XX/21. 

I spoke to several individuals from the fraud and dispute department that stated that a technical issue report would be made and I would be able navigate properly within the website. As to date it's still not functioning properly. 

I've exhausted myself in the frustrations likewise subsequent to being a consumer compromised with my credit. They have done many things improperly including just recently deducting XXXX points from my score and the reason states- is because of decreased balance of my XXXX. 

I'd like to rebuttal this since if I've a decrease in balance my score should have increased XXXX points. 

The representative I spoke to stated that she could tell me my credit score however she stated it was over XXXX. She said to wait 3 days then try to log in and that I should be able to sign in and everything will be updated and fixed. However to date it's not My score has decreased for reasons that are violations to the consumer protection laws and those of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX  positive test results that I was in XXXX and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My credit Card was charged off for 2-3yrs. The pandemic started and I lost my job and have been unable to make any payments. I received my stimulus and tax refund for my kids to get us out of XXXX  onto my XXXX card and transferred it to my NFCU checking and then into savings. {$4600.00}. I finally found a home For me and my XXXX and when I went in the account to transfer the money out my savings to pay my deposit and 1st mo Rent I noticed they took {$4000.00} and left me with {$600.00} which I can not pay any of my priority bills with therefore leaving me and my kids XXXX  yet again. I reached out an the counselor in that XXXX asked me to send him proof that this was my tax refund/stimulus and hell reverse the payment. I sent it that same Day and I have yet to receive my money. The govt gave this stimulus money for pandemic relief. NFCU offers pandemic relief for their customers. How can you offer pandemic relief but be the cause of financial Hardship?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
I was trying to get info on mortgage loan info, we got contacted by a mortgage lender that took our information and ran our credit without our written consent and did not even get back to us with any information on our mortgage application. 
Company name : new American funding XXXX  XX/XX/2022 XXXX My spouse 's name was on it too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was unemployed for months in XXXX. I was unable to get unemployment for months due to the pandemic. 
I sought out arrangements for my accounts. 
XXXX XXXX- I deferred 2 payments XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX- prior to the account being delinquent I used my credit card insurance XXXX XXXX I used my credit card insurance, According to the cares act if the arrangements were made prior to the delinquency then the account has to report as it was, the credit bureau has not followed this rule. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Army and Air Force Exchange Service
State: NY

Complaint narrative:
XXXX XXXX, Date Opened XX/XX/XXXX XXXX Owed {$8500.00}. 

XXXX XXXX, Date Opened XX/XX/XXXX the balance amount reporting is conflicting {$6000.00} vs {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These are the two fraudulent hard inquiries on my credit report. I did not apply for any credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type

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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to 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 non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied to extend credit through capitol one on XXXX/XXXX/2022. I was pre approved for several cards & once I submitting an application I was only given a {$300.00} limit.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have 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 an account without my written instructions.

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 2022-04-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2021, a fraudulent hard inquiry from SYNCB/PAYPAL, was pulled on my XXXX credit report, and I am trying to have it deleted as I did not authorize it.

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 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
I have no knowledge of this account or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my report and I dont recognize the following accounts. filed a dispute with Equifax and it has been over 30 days since their investigation I'm demand that these accounts are deleted from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
ON XX/XX/22 i received notification from XXXX of a collection account appearing on my credit report. The collection was credit collection service for a liberty mutual account i never had. 

This account was opened fraudulently due to identity theft. I have attached a copy of a FTC identity theft report along with local police report number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation