vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 I visited a TD branch to open a checking account. The banker helping me asked me to write down my SSN. I refused, saying this constituted a privacy issue and a serious security risk to my personal information. The banker then asked me to giver her my SSN verbally so she could input it into the system. I agreed and gave her the number, and saw that my SSN was stored unobscured for anyone to see! I asked the banker if customer SSN information is available to ANY BANKER AT ANY TIME and was told that yes, SSN are NOT stored obscured or protected and that any banker could simply view a customer 's SSN at will. I cancelled the account application and returned the next day to speak with a manager who confirmed everything the banker had told me. In this day and age it is beyond belief that TD stores customer ID information and SSN information IN THE OPEN FOR ANY BANKER TO SEE. TD has more than 1000 branches in the US, staffed by 8-14 employees on average. That means anywhere from 8000 to 14000 employees can simply pull up a customer 's profile and take down their SSN and driver 's license, DOB and whatever other information. TD is exposing customers to identity theft! Other banks have small keypads available for customers to INPUT their SSN in PRIVACY without the banker knowing or seeing the # 's or perhaps just the last 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: DISCOVER BANK
State: FL

Complaint narrative:
Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. 
I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I believe capital one opened a checking account in my name and sent me a debit card in the mail. I never received a PIN number to this card and it never showed up on my credit report. I am not the only one whos gotten the same thing also, my co-worker and friend got the same thing in the mail around the same time I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some XXXX XXXX XXXXXXXXXXXX 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 I need to stop in my goals and plans please address this issue 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 explanation
Consumer complaint received 2022-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX ACCT Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is related to CFPB complaint number XXXX. The check to payoff loan with XXXX  was mailed to the designated lockbox of XXXX with loan number written on face of the check and deposited to an account with the XXXX XXXX, XXXX  branch of Wells Fargo on XX/XX/XXXX. XXXX has claimed they didn't receive check and during their follow up with Wells Fargo, were informed the check was credited to the wrong lockbox account. I was informed on XX/XX/XXXX that Wells Fargo would have this corrected by XX/XX/XXXX. It was still not corrected when I received another email from XXXX on XX/XX/XXXX stating that Wells Fargo was still working on correcting the issue and would have it resolved by the XXXX. As of close of business on the XXXX the error had still not been corrected and my calls to XXXX are left with no answers. I don't know if there is collusion between Wells Fargo and XXXX as to why the {$41000.00} payment has not been credited to my account, but I do know that my loan was updated with the XXXX credit reporting service to indicate the XX/XX/XXXX payment had been made. The account number on the check appears to be XXXX, XXXX or XXXX with lockbox number XXXX or 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 monetary relief
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-28 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: FL

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

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, I noticed a fraudulent account added to my credit report by Affirm Inc Open Date XX/XX/XXXX, Account Number - XXXX, Balance {$1200.00}. I filed an official Police Report with the XXXX Police Department reporting the fraudulent crime. I also notified the credit bureaus and disputed the information. In XXXX, XXXX, another account from Affirm Inc was added to my credit report AFFIRM INC, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}. I again disputed this fraudulent account and filed an FTC report to report the crime but yet this information remains on my consumer credit report. This fraudulent account # XXXX is now causing severe financial hardship on myself and my family. This is a direct violation of my rights under The Fairs Credit Act and Affirm is in violation of the Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some sober living houses to help the XXXX  and reduce the overcrowding in jail by providing training in other opportunities for people to be able to maintain permanent housing I need to stop in my goals and plans please address this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my XXXX XXXX XXXX XXXX  company it is stopping me from getting Funding 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  I need to stop in my goals and plans please address this issue 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have never had a credit card or a loan before, but my credit score was bad and someone used my identity to open an account on experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Kriya Capital, LLC
State: OH

Complaint narrative:
Credence Resource Management LLC reported an account from XXXX XXXX  that was closed in XX/XX/XXXX as an open delinquent account since XX/XX/XXXX every single month on the earliest date Possible. They know it is incorrect and continue to harass me and report inaccurate unverifiable information. I told them they are reporting a inaccurate address and the still have continued to do it. These reports has caused an adverse effect to my life during the pandemic and I have a right to sue for damages and harassment. They have threatened to find ways to harass me and have threatened me but people need to know the lengths these type of people the fcra rights were made for. Account balance XXXX

Company response to consumer: Closed with non-monetary relief