vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was scammed but the me-to-me money transfer through XXXX that is partnered with Chase bank. I would not otherwise have an account with XXXX if it were not partnered with Chase as I have been a Chase bank customer since XXXX. XX/XX/XXXX for XXXX . I have reached out to Chase and was told that XXXX is not covered by purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In violation of Regulation F

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I had XXXXwo on-time pay accounts with TD Auto with no problems. On the third account opened in 2014 with XXXX on time payments, TD Auto decided to not pull my ACH payment and failed to notify me so my account was listed as delinquent. I reported this to the CFPB Complaint # XXXX and TD Auto sent a letter saying that their policy had changed and they were correcting the delinquency. Not only was the issue not corrected, but another late payment was added to XXXX. TD then stated that it would take 60 days for the credit agencies to fix the complaint, it's been over 90 days now and the problem has not been resolved. I respectfully request that TD correct this error immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 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: SC

Complaint narrative:
Due to the XXXX data breach I am a victim of identity theft. My name and social sercurity number was used to open credit cards. I have filed a complaint with the Federal Trade Commission and Identitytheft.gov website. I have notified XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX about the fraudulent accounts that they are reporting on my TransUnion and XXXX credit reports. I have attached the letter from the Federal Trade Commission and the identity theft letter. Please investigate these accounts.

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 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02 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: SC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: SC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Fleet Financial, Inc.
State: MD

Complaint narrative:
iLendingDirect is misleading customers. They gloat their online refinance process can be completed within XXXX minutes, but this is a lie. You submit an application online, they send you fake and misleading offers. Then they harass you with phone calls to then ask the same exact information again and submit another application. They have no secure way to upload documents and my loan XXXX wanted me to text them to him. They then take multiple days to obtain offers, even though I already applied online and accepted XXXX. My loan XXXX XXXX, will now not notify me of my offers unless I call him back. I asked to be emailed this information but he is refusing. They have now ran my credit under false pretenses. 

I have read online iLendingDirect is putting XXXX, warranty and fees onto contracts without prior customer approval and are using their phone system, which is hard to hear, to scam customers. They state they need records of the conversation, I argue it is of utmost importance the customer has records of all conversations in situations like this. An email is a record of that conversation for both parties. 

This whole entire process is nothing short of a scam, false advertising and honestly a lie. It is very one sided and this pushes these predatory practices onto unsuspecting people who may feel pressured to accept thing right away without prior review or knowledge. iLendingDirects system is extremely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have a charge off on my credit report from TD BANK N.AXXXX XXXX XX/XX/XXXX, I have been trying to settle this account for many years but there is no phone number to be able to settle the account. I have most recently summited a dispute XX/XX/XXXX, as well as mailed in a letter to all of the credit bureaus, only to get a mailed statement back of the account. I am not disputing the amount, I am disputing being able to get in contact to be able to settle so I can get this report off my account. I have called TD BANK/XXXX directly for them to have no information regarding account, despite the charge off continuously being reported. Because I have summitted prior disputes, I am now unable to continue to put in disputes even though the issue hasn't been resolved. How is this fair to consumers to be forced to have this charge off with no way to settle? I've called the credit bureaus costumer service with no advice. I'm taking all the steps that I can with no resolution and my credit score is suffering because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
The title loan is paid off. I had asked for the legal title document to be returned to me. I expected it would be. Its been over a month. I'm still waiting for it. I have written and called with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX account was closed in XXXX of XXXX. In XXXX of XXXX we received a statement for a balance due for equipment. We returned all equipment. XXXX months later a collection agency put the amount on credit reports. We showed the equipment was returned and the collection was removed in early XXXX by Credit Protection Association ( collection agency ). 

In XX/XX/XXXX the collection from XXXX showed up on my credit again. This time reported as new, even though the original claim was from XXXX. I have tried to work with both Convergent and XXXX and neither are acknowledging that the debt was related to equipment, nor that this is being reported inaccurately. By re-reporting the same debt from XXXX in XXXX, they have damaged my credit score and ability to purchase a home.

I have now been told this was not for equipment but rather for services. If I had been told this was for services in XXXX I would have paid it. But I was told it was for equipment, validated equipment returned, and collection was removed. I have since paid the amount in full since XXXX provided a breakdown of the final balance due. However, by falsely telling me two years ago this was for equipment and agreeing I did not owe it, I am not being penalized by the resurfacing as a new collection. 

Date is XX/XX/XXXX Reported on XX/XX/XXXX Originally reported on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Statement on XX/XX/XXXX references equipment. Removed in XXXX following conversation with collection agency. 

Currently reported by : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA 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 explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
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 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 explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX  to delete this account/item within XXXX business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint against Equifax let it be clear that there is no Third Party involved.EQUIFAX doing business as Equifax Information Services LLC Located in XXXX GA has numerous inaccuracies on my consumer report and has failed to properly investigate my complaints for the past 7 Months. In the exhibit most recent attempt to address on how Equifax verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). Delivered on XX/XX/2022, and after 24 days On XX/XX/2022 you will find the response from Equifax pertaining to confirmation number listed on the Equifax claimed to have verified accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear EQUIFAX has been negligent in this matter and failed to conduct a proper investigation on the accounts. I Have conducted my own investigation reviewed my consumer report and in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report that have been hurting my ability to obtain credit or services fo my use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaacurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate payment dates, along with accounts that have several other inaccuracies per account ( EXHIBIT PROVIDED ). I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) GIVE EQUIFAX MY WRITTEN INSTRUCTIONS I DEMAND EQUIFAX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS! THIS HAS GONE ON WAY TOO LONG ENOUGH! EQUIFAX IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE ASSUMED. EQUIFAX IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}. THESE INACCURACIES AND INACCURATE ACCOUNTS HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS BY CREDITORS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE.I EXPECT YOU TO RESOLVE THIS MATTER EXPEDITIOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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