vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: AL

Complaint narrative:
This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I have no debt that is old to XXXX XXXX prior to 2022. Nor did enter into any deal or contract with PERSOLVE LEGAL GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have reached out to them asking for any proof of a contract or debt that they say I have with them. They have provided nothing. They refused to delete this collection off my account. Owe none of them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called the original debt holder Comenity bank.which they told me it's looks like identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I'm a new customer for Mr. Cooper ( AKA Nationstar Mortgage LLC ) whose mortgage loan was purchased by Mr. Cooper, via XXXX XXXX, from XXXX XXXX XXXX XXXX on XXXX. At this point I had already paid my first Mortgage payment to XXXX XXXX XXXX XXXXXXXX. Additionally, my loan with XXXX XXXX had a sales Incentive subsidy that the home builder paid for as a incentive for me to buy the house. This subsidy was part of the original mortgage loan contract and was told that it was also transferred to Mr.Cooper as is. 
Upon first email contact by MrCooper on XXXX, I started planning to pay off the loan with Mr. Cooper. On XXXX, I requested a payoff quote from Mr. Cooper website. I had was also in discussions with a Mr. Cooper customer service Rep called XXXX of Louisiana who set up a quote for payment by XXXX XX/XX/2023. I explained that I needed it to be delayed to XXXX XXXX so I could get to the bank for the wire transfer. XXXX said no problem but to add a day of interest to cover the delay. So, I wired the " quoted '' amount plus a days interest ( {$68.00} ) to Mr. Cooper, which they received. I called a Rep 2 days later to see if my funds were received. They had but, they said I needed a new quote to cover deficient funds. It was not told to me how much more I needed so I wired {$230.00} to cover the second quote ( {$25.00} ) and 3 days of interest to arrive on XXXX. The second wire arrived but was applied to my account and the previous larger wire funds was not applied to my account because of another deficiency. I much later found out that the deficiency was not for interest but for a subsidy of + {$7900.00} that Mr.Cooper wanted to retain but their Quoting System correctly subtracted it from the mortgage payoff quote. Discussions went on for another month and Mr.Cooper Payoff Dept would not approve any further quote payoffs and they never called or contacted me once to explain the problem. I finally got a Rep that finally got my original wire transfer returned to me almost a month after it was wired to Mr.Cooper. She has also been my advocate to discover what happened and explained to her own people why I should have my first quote honored as of XXXX XX/XX/2023 with no futher interest charges beyond that date. We even attempted a third quote on XXXX without success and those funds were wired back to me on XXXX XX/XX/2023. Because of my inability to get Mr. Cooper to accept a quote payoff from me without any direct contact with me as to why I was having a problem, I have not made any mortgage payments on my account except the first one on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have a checking account, the Spending Account, with The XXXX XXXX via the XXXX company, Chime. Last month on XX/XX/2023, they suspended my account and I lost access to the account including the ability to log onto their website and mobile application. 

I have repeatedly tried to provide the information they are requesting to unsuspend my account but they are refusing to unsuspend my account, indicating the information I provide is insufficient. I have provided them with all the information I have so it seems that I have exhausted my options to unsuspend my account. 

Thus, I simply wish to retrieve my most recent statement and close the account and receive confirmation that my account has been closed. The usual way to close the account is via their mobile application as indicated on their website, https : XXXX, but lost the ability to log onto the app since they suspended my account. 

I have both tried contacting Chime Member Services at XXXX and emailing XXXX but they continue to request information and refuse to close the account. I am tired of dealing with their unresponsiveness and don't want the account to accrue fees and reason for them to take my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent inquiries reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent inquiries reporting on 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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting inaccurate information for a alleged debts that are paided and there is no reason for a debt collector. Reporting false an negative information on a CONSUMER. ACCORDING to FDCPA such reporting is choosing me to have adverse action for personal essential goods. My CONSUMER rights have been violated by 15 USC 1692 B ( 2 ) and 15 USC 1692F ( 8 ) Notice to all I am that I am the consumer in fact the natural person the original creditor the lender the executor their administrator Holder and due course for any and all derivatives therefore the surname or given name is as you know. I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I have a DBA for the Original Creditor. The fact that the fair debt collection practice act is intended to secure my right to privacy and my privacy has been breached so be it and please show good faith in this matter bye expediting the security of the alleged information listed on your site in order to avoid me receiving further injury or damages in mental anguish and lost due to me being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2023-04-21 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:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/2021 XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/23 I received an unsolicited debit card from Capital One in the mail. I did not open this account. I called Capital One and they told me the checking account was opened on XX/XX/23 and they had my correct SSN, address, birth date, and email address. I have freezes on all of my credit agency accounts and was unaware that bank accounts are not subject to credit agency verification. Is there a way to flag my SSN so that no such accounts can be opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CA

Complaint narrative:
I recently reached out to Equifax on XX/XX/2023 by sending a letter via certified mail and asked them to verify each specific entry. I also asked that within the response that they include the original documents with a signature legally binding me to this agreement which in response no more than 14 days. 

I was sent a letter via email stating this debt was validated but received no method of verification or documentation with a signature. To my knowledge, I was assured that there was communication between this credit bureau and this company to validate this debt according to the FCRA law. 

I reached out to the XXXX  to make a complaint about this account, I received a response from XXXX XXXX  they stated in their response letter this complaint is the ONLY COMMUNICATION we have received on behalf of this account. if Equifax properly investigated this account and the validation, how is it that this company is saying that my complaint is the only communication received on behalf of this account. This was not my first time disputing this account. This makes me question the accuracy of the validation of the other accounts validated.This is grounds for removal and my rights were violated under 15 U.S.C 1681 Section 604 A section 2 ACCOUNTS IN QUESTION : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I called the original debt holder XXXX  XXXX.which they told me it's looks like identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written consent.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I applied for a loan to purchase a XXXX XXXX from a retailer ( XXXX XXXX ). I have a high credit score and no issues, but was denied and the reason given was they were unable to confirm my identity, despite being provided my accurate address, last 4 of my social, etc. I called to offer more verification, as was told they could't verify my identity, I was denied and that decision was final. My belief is that Affirm is denying people with good credit so they can make more revenue off of higher interest rates and fees from preditory borrowing from lower-score borrowers. As I said, I called and offered any form of verification request, but was told know. I believe I was denied credit for unlawful discriminatory reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Applied Data Finance, LLC
State: CA

Complaint narrative:
I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX as well as XXXXXXXX XXXX  and Personlify regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, Personify financial {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX XXXX  XXXX XXXX as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. COMENITY CAPITAL/ XXXX DATED XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief