vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
HARD INQUIRIES I DO NOT RECOGNIZE:
-XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
XXXX XXXX XXXX XXXX XXXXXXXX Account status Closed Date opened XX/XX/2018 This is an illegal account I feel I was a victim of the Equifax identity breach please remove this item from my credit the credit bureau 's don't seem to want to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX reporting on my experian credit report. I reached out to green dot they cant locate an account under my information. 
Said that they are a prepaid card and dont report to credit bureaus

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 2022-08-28 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:
XXXX XXXX XXXXXXXX NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item

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 2022-08-28 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: GA

Complaint narrative:
in accordance with the Fair credit Reporting act XXXX 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 604A Section 2 : It 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 2022-08-28 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: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
in accordance with the Fair credit Reporting act XXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Name : XXXX XXXX XXXX Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : LVNV FUNDING LLC Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: NC

Complaint narrative:
I NO NOTHING OF THIS COMPANY DIDNT GET DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY NEVER HAD ANY CONTRACT OR CONTACT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
HARD INQUIRIES I DO NOT RECOGNIZE:
-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 explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
HARD INQUIRIES I DO NOT RECOGNIZE:
-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
Consumer complaint received 2022-08-28 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: PA

Complaint narrative:
US DEPARTMENT OF EDUCATION. 
Is an unverified account that has appeared on my report. 
According to the fair credit reporting act all unverified information must be removed.

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 2022-08-28 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: SC

Complaint narrative:
I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, 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 2022-08-28 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: SC

Complaint narrative:
I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXXXXXX XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, 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 2022-08-28 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: GA

Complaint narrative:
I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I have XXXX XXXX XXXX. I was in the process of getting a new XXXX when I got sick. At that time I was air lifted to a facility in Ga I remained there until XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXXXXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in home health care and physical therapy and found out my XXXX had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC 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 non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: NC

Complaint narrative:
I NO NOTHING OF THIS COMPANY NEVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY I DIDNT RECIEVE DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
They have literally called me non stop everyday from XX/XX/XXXX to currently XX/XX/XXXX. I get multiple calls a day from them. I have literally received at least 35 calls in that time frame that I have saved.

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 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Radius Global Soulutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care with XXXX XXXX XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX XXXX XXXX that the debt is the result of identity theft. 
My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 
Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )

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 2022-08-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/2022 account hacked and {$1000.00} taken in a person to person transfer. 
XX/XX/2022 account hacked in a person to person transfer {$1000.00} was taken and also charged account in two transactions of {$60.00} XX/XX/2022 hacked for a third time and {$1000.00} was transferred in a person to person transfer. 

Chime is failing to secure my account, the are allowing changes to my account without proof it's me. I have contacted Chime and spoken with numerous members ... From Members Services to Disputes and my account is still not secure and I can not even access it myself. I have contacted Chime every day for 5 days. This has caused significant damage to myself and my family due to this was money to pay bills... Including our house payment and groceries. I need help in solving this matter and recovery of my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
This complaint is regarding Santander. I have screen shots of the numerous calls that have been made to me, at different times of the day. I could be at home sleeping on my one or two days off I may get or at work, busy with a customer, or a very time oriented task that requires my full attention. I will receive a call from them almost every day. I have had an account now where they call me over 7 days in a row, 9 to be exact. I understand I owe money to them and continue to plan on paying till I pay it back and I have been paying multiple times per month some months when I can afford it. But due to the current economic situation we all face, it's made things harder on everyone. Having a company harassing you, annoying you, taking your enjoyment of things away, stressing you out further, or interrupt you during a very crucial task at work. I do understand I am a little bit behind on it and I have obligations. But due to they keep harassing me it makes me hesitant to want to have a loan with them. It has been causing me numerous problems at work and affecting me and my abilities to do so effectively and efficiently. They stuck me with a nasty interest rate, having tried them and others to refinance the loan to a lower rate or payment. But to no avail, even with a higher credit. I will not accept them being able to break a law and not be held accountable for it, regardless of the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
on XX/XX/2022 all three major credit bureaus are showing a credit inquiry from a creditor I did not authorize, Ive contacted the company JPMCB and they directed me to your agency. I believe im a victim of identity theft. all three bureaus, ie XXXX, XXXX, XXXX also told me to contact your agency about this Fraud inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc.
State: GA

Complaint narrative:
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.

Company response to consumer: Closed with explanation