vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? XXXX XXXX XXXX is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed XXXX XXXX XXXX is another violation of my protected rights.

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 2022-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am initiating another complaint because my prior complaint was NOT resolved at all by the bank, but their response seems to have caused the complaint to be marked closed. I did provide feedback on their response but I do not know whether that will have the effect of keeping that complaint active. 
To summarize, I issued a check to a business payee in XXXX, using the bank 's online XXXX XXXX system, which simply means the bank mails the check to the payee. The check was stolen and fraudulently endorsed. It's been two months since I brought it to the bank 's attention, which includes a delay of probably two weeks because the XXXX XXXX XXXX  mistakenly submitted a Reg E review, when what was needed was a fraud review. The bank 's fraud department has since been investigating it, and awaiting a response from the thief 's bank ( XXXX XXXX ). My complaint is that I should be credited by now for the obviously fraudulently endorsed check. What goes on between TD Bank ( my bank ) and XXXX XXXX ( the thief 's bank ), is between them. I am a customer of TD Bank and everyone from the bank who looked at the evidence easily agreed it was fraudulently endorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
My PayPal account got permanently limited by PayPal on XX/XX/XXXX. However, I did not do anything that violate their rules. I just sold a second-hand cloth on an app called XXXX  because I need money, PayPal put that money ( {$410.00} ) on hold for a few days, and before I can get that money, they put my account on limitations, and I could do nothing to restore the account. I am so confused and they have no right to hold my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and the accounts listed in the identity theft report are produced by way of fraud including XXXX XXXX XXXX XXXX  XXXX which has caused me damages for a loss of {$500000.00} as I am not able to sell my home due to the fraudulent lien being placed on my home.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two fraudulent credit card applications were entered into without my consent or knowledge on XX/XX/2022. A letter from one of the banks XXXX XXXX XXXX XXXX  ) was sent to me via U.S Mail for additional information to to make a decision on the credit, which tipped me off something was wrong. I immediately reviewed my credit reports and noted an additional bank ( Capital One ) made a hard inquiry on my account as well. 

I put a fraud alert and credit freeze at all 3 credit reporting agencies. I contacted both banks to inform them the applications were fraudulent. I called the local police department where a a police event # was created. The officer said no police report would be filed as nothing was yet stolen. 

The end result was no credit cards were yet issued in my name, however the hard inquiry from Capital One still exists and is affecting my XXXX  scores. 

On a final note, I noted the XXXX credit report included a Inquiry analysis from Capital One where information was given about me from the perpetrator with the a different address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NJ

Complaint narrative:
I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on XXXX ONLY and XXXX XXXX  Account # XXXX {$110.00} Reported on Experian ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my XXXX credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.

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 2022-09-14 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:
I've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, 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 1691 section 604 A section 2 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower Loan of XXXX XXXX XXXX XXXX XXXX Store XXXX XXXX has repeatedly harassed me - calling several times a day to my phone, my employer, and relatives, even after I told her I can not pay the debt. 

I first gave her formal notice on XX/XX/XXXX via email, and after continued harassment ( *again calling me several times a day, my employer, and relatives ) I again told her on the phone I would not /ca n't pay and any further calls would be considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out on XX/XX/22 to Experian because I I have a paid membership and was unable to access my 3 bureau credit report and they told me to send in verification of my identity even though I've done so previously numerous of times. I wasn't able to access my credit report for two months even after sending in the proper documentation. I called and requested a refund for the two months and canceled my subscription. I than opened an account with MYFICO to get my fico scores because I plan on buying a house soon. I received a refund from them stating Experian won't allow them to access my credit scores. This is causing me to become XXXX  because I can't monitor my credit scores as usual and I'll probably be unable to get a home loan approval because my scores can't be accessed.

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 2022-09-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX DOB : XX/XX/XXXX last four of SSN : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX RE XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXX XXXX to the Credit Reporting agency by the name of XXXX. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXX Bank will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies

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 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am hereby requesting a clear explanation as to why you will not correct your error in reporting to each of the credit bureaus that I was late with a payment on my loan. I have attached every payment I made regarding my mortgage loan with your financial institution. I am requesting that you review this information Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX I will show your error chronologically with the following appendix : ( Appendix 1 ) Payment information taken from my account on the Mr. Cooper website. 
( Appendix 2 ) Payment information taken from my Bank account ( Appendix 3 ) I received my Welcome package from Mr. Cooper on XX/XX/2022. 
( Appendix 4 ) Receipt of Payment made in XXXX. 
( Appendix 5 ) Records of each Payment taken from payment activity on website. 
( Appendix 6 ) All Statements regarding my loan ( Appendix 7 ) Your denial letter I am requesting that you review the information attached and contact each credit bureau stating my loan service transfer occurred during this time period and payments were made at different intervals and different amounts. This therefore caused an error on your reporting. I am formally submitting this complaint not only to Mr. Cooper Qualified Witten Requests, but also to Mr. Cooper Customer Relations, and to the Consumer protection Financial Bureau. MR. Cooper has a legal obligation to report accurate information regarding my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: OH

Complaint narrative:
I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX 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 explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
The Company, Wakefield and Associates, Purchased a debt from another company and I had no involvement with the transaction. I received no benefits. According to 15 USC 3002 I am an Natural Woman which means my name XXXX XXXX is not me. My name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

I have reasonable cause to believe that Wakefield and Associates is using my nonpublic private information to bring harm to me. You have violated my rights and privacy pursuant to 15 U.S. Code 1681 ( a ) and 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation