vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am continually getting emails from TD Bank saying that I opened an account with them. Now I have gotten notice that I have opened a debit Visa card with them. I have never opened any account with TD Bank and continually call them trying to get them to stop this. They say they will transfer me to the fraud department but I have been on hold for hours with their fake fraud department. No one ever answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: Southern Credit Recovery, Inc.
State: TX

Complaint narrative:
Have contacted the Creditors many of times and they never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
On Thursday XX/XX/2021 I received a text message from my aunt that direct recovery XXXX Robocalled her and left a automated message for a debt in my name Within a a half hour my mom called with the same message The only way anyone would know the three of us are related is because on XXXX its listed in family area- aunt and mother XXXX yrs old and havent lived with either of them for 20 plus years This company is clearly violating all sorts of privacy issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Have contacted the Creditors many of times and they never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
Have contacted the Creditors many of times and they never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
When XXXX had it's big data breach I had all if not my entire body stolen from me. Those XXXX are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXXXXXX should go to Jail also he's another Scammer. XXXX, Experian and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the Hotel industry General Manger At a XXXX In the XXXX XXXX got Furlough though hey I will collect unemployment XXXX month went nothing XXXX months went by nothing XXXX months went by nothing XXXX years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX XXXX I've been trying for XXXX years to get those XXXX agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. Experian Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX  XXXX, XXXX, XXXX, XXXX  I have a BOX full of letters I'm not paying ANY lawyer for those XXXX mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. EXPERIAN AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed 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 non-monetary relief
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
I moved in the XXXX XXXX XXXX in XXXX XXXX nv and the pipes where bad and the toilet was over filling they felt I owed them for the plumbing tried evicting me for not paying for the plumbing bill we went to court the judge ruled in my favor the unit had previous damage before I came and stated I did not owe any money for the damages to the pipes and the apartment reported to the credit company after I moved out 5 months later and put the charges on my credit report

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 2022-01-26 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: NC

Complaint narrative:
While My wife and I were trying to make an offer to buy a condominium at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended XXXX XXXX to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from XXXX XXXX to explain that my Medicare refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Since i di not do business with CAPITAL ONE, please forbide this company to generate hard inwuiries or any other financial transaction including inquries which are TOTALLY ILLEGAL since i Am not Authorizing them nor i have intentention to conduct business with them. Please ERASE the yesterday inquiry generated yesterday by such company which is resulting in intentional attempt of FRAUD. Following this communication and if in the future such illegal activity persists, XXXX will be responsible for such illal opetation and fraudolently will be reported to FEDERAL police for deep investigation. Please dial XXXX to talk directly to myself. Within 1 business day. Failure to contact me will be considered as VOLUNTARY COVER UP or OCCULT EVIDENCE and treated as it is. 
Sincerely XXXX XXXX [ intended as legal signature ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

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 2022-01-26 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: CA

Complaint narrative:
When XXXX had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. XXXX, XXXX and Transunion it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to Covid-19 I had a really good job in the Hotel industry General Manger At a XXXX  In the XXXX XXXX  got XXXX though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another idiot to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE IDIOT NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX XXXX XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag screwing us all over. I want my credit repoert fixed 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 non-monetary relief
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
When Equifax had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off 9-5 sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. Equifax, XXXX and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the XXXX XXXX General Manger At a XXXX  In the XXXX XXXX got Furlough though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others Ally, Capital XXXX, XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND EQUIFAX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-01-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-01-26 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: FL

Complaint narrative:
i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

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 2022-01-26 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: FL

Complaint narrative:
i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have contacted Chime XXXX XXXX about my Money I have put towards my credit every week! XX/XX/2021 and my identity has been used by an authorized person and purchased devices etc in my name money off my credit cards and also my XXXX stimulus in XXXX has been also taking away from me through my Chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX Portfolio Recovery placed a collection debit on my credit report with XXXX and XXXX for the amount of {$1000.00}. I disputed the item the same day ( XXXX XXXX ) and requested ( in writing ) Debit Validation Letter via certified mail. I also called Portfolio Recovery and they could not verify me in there system. I sent an email attachment of the XXXX XXXX XXXX to the dispute department for Portfolio Recovery. All my efforts in requesting the Debit Validation has been to no avail. As of today Portfolio Recovery has not responded in verifying this debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
We applied for a cash out refinance with Better Mortgage ( better.com ). The appraisal was delayed due to a lack of timely responses from Better Mortgage to our questions. We were granted a lock extension at no cost to accommodate this delay. We were also granted a subsequent no cost lock extension due to the company 's closure during the holidays. In XXXX on the day of closing we identified that the date on the documents was not correct, and were directed to not close as updated documents were needed. In order to generate the closing documents, we were told they need an updated payoff statement from our current lender. Updated closing documents were generated, however they included an unauthorized change to the loan amount and a decrease in the lender credits. We were also told that contrary to prior directions, we now needed to expeditiously obtain a replacement insurance policy as ours was not being renewed in XXXX. This has resulted in even more delays as it takes an up-to-date home inspection in Florida to get a quote. We contested the changes to the loan amount and lender credits and have been exchanging emails on such ever since. The closing disclosure was updated to include the correct loan amount ; however Better Mortgage insists that they are justified in decreasing the lender credits which they refer as lock extension fees. Better Mortgage has stated in email that these lock extension fees are justified as I chose to use my own title company, and the title company was responsible for the date error and initial closing delay. This is a violation of section 8 of RESPA ( Prohibition against kickbacks and unearned fees ).

Company response to consumer: Closed with explanation