vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: ND

Complaint narrative:
On XX/XX/year> I have call dispatch Of XXXX ND police complaint about Identity Theft to the three Credit bureau accounts that not belong to me. I have send serve disputed letters to the three credits bureau they alway telling the account is belong to me. All the account that I see on my credit report is about close to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
The loan was paid in full on XX/XX/XXXXXXXX XXXX XXXX  XXXX still processed the automatic payment of {$750.00} on XX/XX/XXXX. I called them the day my bank sent the XXXX. Was told to call back on XX/XX/XXXX because it didn't show on their end. I called back the next day, XX/XX/XXXX, was told to call back in 10 days,01/09/24 to start the process of a refund. My account online shows the payment paying the loan and the additional payment but balance is still XXXX, it should show a credit balance. Also, it shows the additional payment as XXXX not XXXX. This additional payment resulted in me getting overdraft fees which they will not reimburse. 
Also, during this process I was disconnected when speaking to a supervisor and no one tried to return my call. I had to call again and wait XXXX minutes to reach a person. That person rudely told me that they already told me that the refund can't be processed today and to call back on XX/XX/XXXX. 
Im very worried about getting my refund because my account doesn't show a credit, I was told two different things, been hung up on, and spoken to very rudely.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I am being overcharged by Blitt and Gaines. We agreed to one payment a month but they are charging me twice a month. I was charged on XX/XX/XXXX in the amount of {$200.00} which I agreed to. 
XX/XX/XXXX I was charged {$120.00} which I did not agree to. 
I was charged XX/XX/XXXX in the amount of {$170.00} which I did agree. 
They are charging me XX/XX/XXXX in the amount of {$120.00} which I did not agree to. 
When I called they said they could not locate the agreement plan for {$170.00} a month even though the check ( XXXX ) shows taken from my account. 
They also said I did not have to go to court since this was not criminal court. They said since I was in a payment arrangement I would not need to go which is a lie and I would have had a default judgement. 
They are double dipping into my account which is illegal and giving false information on how to proceed when being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I'm a victim of identity theft. I submitted a dispute along with FTC report, Radius Global Solution Collection continue to report a fraudulently account 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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I've asked multiple times for information involving this debt collection and have not received any information proving that it's mine. They had taken me to court three times. Frozen my checking account a few years ago and still dealing with the issue and not getting the information I'm requesting to prove that it's my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX Transunion at XXXXXXXX XXXX XXXXXXXX spoke to someone didnt get their name he tried to help but I was transferred to XXXX XXXX XXXX  spoke with XXXX XXXX ( supervisor ) he states XXXX 
I told them about Ive been trying to get to them about XXXX hard inquiries and numerous of other that wasnt open by me he yells through the phone saying call the creditor how when I never applied-I have sent out my ID-SOCIAL CARD-Signature asking to validate the accounts asking for help-demanded deletions-asking for the accounts to be deleted over a year and over six month and also over thirty days.I would like to receive XXXX for each account within 30 days and all XXXX incorrect hard inquiries with Transunion.This messing with my life for so long.I have been trying to get someone to work on this for so long.Please help its terrible and very frustrating and difficult

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Request for Investigation, Legal Action, and Punitive Damages Against Capital One and XXXX Dear CFPB and FTC, I am submitting this formal complaint regarding Capital One and XXXX, concerning inaccurate and damaging information reported on my credit report and unresolved disputes. The details of the account in question are as follows : Account Information Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$150.00} ( as of XX/XX/XXXX ) Credit Limit : {$600.00} Payment History Issue : 30 days past due as of XX/XX/XXXX Key Issues Inaccurate Reporting by XXXX : XXXX has failed to provide accurate information regarding this account, including inconsistent updates to my payment history and balance information. This has significantly impacted my credit score and financial standing.

Harassment and Unfair Practices by Capital One : Capital One has continued to report this account inaccurately, causing undue stress and negatively affecting my ability to secure credit. 
Failure to Resolve Disputes : Despite multiple attempts to resolve this issue directly, neither Capital One nor XXXX has provided adequate assistance or a satisfactory resolution. 
Requested Actions Investigation : Conduct a thorough investigation into the practices of Capital One and XXXX to ensure compliance with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Resolution : Correct any inaccuracies in the reporting of this account and update my credit file to reflect a positive and accurate status.

Cease-and-Desist Order : Issue a formal cease-and-desist order to prevent further reporting inaccuracies and unfair practices. 
Punitive Damages : Impose punitive damages against Capital One and XXXX for negligence and the emotional distress caused by their actions. 
Legal Assistance : Assist me in pursuing legal action, if necessary, to secure compensation for the financial and emotional harm resulting from these practices. 
Supporting Evidence I have attached relevant documentation, including a summary of the payment history, balance updates, and correspondence with both Capital One and XXXX. 

I request your immediate attention to this matter and a prompt resolution to uphold my consumer rights. I am prepared to cooperate fully with any investigation and legal proceedings deemed necessary. 

Thank you for your assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have spoken to American Express the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX XXXX. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the XXXX report is Reporting under XXXX XXXX XXXX and the File number is XXXX. XXXX ex is only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by US Mail with complete contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account was not opened by me and I did not give authority for it to be opened. I was a victim of the XXXX data breach and my personal information was compromised. Ive submitted a theft report containing this information to the credit bureaus and the company reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called and mailed in numerous of disputes to credit reporting company. I never received any updates, nor was accounts deleted from my 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was involved in a date breach with multiple credit bureau

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was involved in a date breach with multiple credit bureau

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( Better Business Bureau ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( Better Business Bureau ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt.

I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX XXXX. Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There has been two separate hard inquiries made against my account per my credit report on XXXX XXXX. One of said hard inquiries was made on the date of XX/XX/year> through a Capital One institution in XXXX Virginia. The second of the hard inquiries was made through the same institution recently on the date of XX/XX/year>. As of today I have been receiving messages via my cell phone that a card was ordered and then shipped out to whoever fraudulently did so. I believe someone is stealing my identity so if this problem can be resolved or addressed I would be thankful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellantis Financial Services US Corp.
State: SC

Complaint narrative:
Please remove this debt from my credit reports immediately! Ive never received a 1099-C for this debt. This debt was reported stolen on XX/XX/year> with a police report filed. The police were unable to find the vehicle and or whom took possession of it, along with my personal property within it. I have reached out to their customer service representatives, in which they informed me that the account was no longer in their system ( Stellantis Financial ). I received a letter via mail on yesterday, XX/XX/year> as a NOTICE OF OUR PLAN TO SELL PROPERTY, in which I have never received a notice of Right to Redeem from the company in any form nor via mail or certified mail. Per 15 USC 1692F non judicial repossessions are illegal! The vehicle was illegally seized and broken into, in which the police officer and I ( along with the XXXX XXXX XXXX ) disabled the vehicle by turning the engine off and locking its doors remotely from the manufacturer system I have with XXXX XXXX XXXX. This company has refused to provide the 1099-C for my income, but has reported and placed this debt as a charge-off on my credit reports to XXXX, XXXX, and XXXX XXXX XXXX, XXXX. Please have this fraudulent activity removed from all XXXX credit reports.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the XXXX Accounts in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im information was involved in a data breach that goes back to XXXX till now and all of the things on my credit report is fraud and under consumer law 605b this information is supposed to be removed from my credit report in 4 days

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am writing to address SoFi Bank response regarding the fraudulent cashing of two checksone for {$6300.00} and another for {$30000.00}. It is clear that SoFi Bank mishandled my funds, and the suggestion that I bear responsibility for this situation is entirely unwarranted. 

The funds were initially linked to my external XXXX XXXX  account and could have been securely transferred there. Instead, SoFi Bank chose to mail the checks, creating an opportunity for them to be intercepted. It is evident that I did not cash these checks, as the signatures on them are not mine. 

Furthermore, SoFi Bank 's mobile deposit software failed to prevent the fraud when the individual who intercepted the checks deposited them. While I appreciate that SoFi Bank identified the fraudulent activity, the mishandling of my funds and subsequent attempt to shift responsibility is unacceptable. 

The checks were mailed without requiring a signature, and I was not provided an option to select a more secure delivery method. This lack of diligence directly contributed to the fraudulent activity. 

To support my claim, I have attached documentation demonstrating that I did not cash the checks in question. 

I respectfully request that SoFi Bank return the full amount of the funds to my account immediately. The mishandling of my funds is clear, and I trust SoFi will take full responsibility and resolve this matter appropriately. 

Thank you for your immediate attention. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation