vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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:
Credit institution have taken multiple hard inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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:
Credit institution have taken multiple hard inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I am contacting you today to inform you of an issue and possible fraud case involving XXXX Credit Karma. On XX/XX/XXXX of this year my wife and I filed our taxes through XXXX online. On the XXXX website was an offer to sign up for a Spend Account with Credit Karma and have your taxes direct deposited into the Spend Account and you get a percentage of your taxes right away. We opened an account with Credit Karma and received a small amount of our tax refund. On XX/XX/XXXX our State Taxes were direct deposited into the Spend Account. On the morning of XX/XX/XXXX we received an email from Credit Karma stating they had put a freeze on our Spend Account and we were unable to make any transactions or withdrawals. We called Credit Karma and no one there would tell us why they froze the account and they refused to release our funds. We asked to speak with the supervisor on duty and once he got on the phone he said the same thing. He was extremely rude and hung up on me. We tried calling back several times to get the issue resolved and every time we spoke with someone it was the same generic speech We can not see your account but it is under review. The last person we talked to said all accounts that were froze or have been closed are handled by The XXXX XXXX and they only communicate through email. She said she couldnt transfer us because they don't speak to anyone over the phone and we should receive an email from them shortly. This is the most ridiculous thing I have ever heard of. They have basically stolen over {$1000.00} of our money and refuse to give it back. We are not the only ones they are doing this to. I did some research and there are thousands of people being victimized by Credit Karma. There are posts on XXXX, XXXX XXXX XXXX  complaints on XXXX XXXX etc. Something needs to be done about this. Not only am I reaching out to you but I am also contacting the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX multiple news outlets, XXXX XXXX  ( theyre the financial institution partnered with Credit Karma and co-conspirator of fraud ), XXXX  for advertising a company that steals money from individuals, and a Consumer Rights Attorney. If I have to start a class action suit against Credit Karma and Associates I will do it. Any help you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I dispatched a XXXX Notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC. Upon review of the information provided, it became apparent that the alleged debt in question was unverifiable and lacked substantive evidence to substantiate my purported obligation. Subsequently, I initiated further correspondence to afford LVNV Funding LLC an additional opportunity to furnish the requisite documentation necessary to validate the purported debt. However, LVNV Funding LLC failed to provide the requested documents and indicated their intent to transfer my personal information, along with the alleged debt, to additional debt XXXX named XXXX XXXX XXXX and XXXX XXXX XXXX. 

I hereby demand the immediate removal of all three trade lines associated with this matter from my consumer report, along with the elimination of any accompanying remarks. Failure to comply with this demand will leave me no recourse but to pursue appropriate remedies to rectify this situation. 
Please consider this communication as a formal notification of my intent to address this matter diligently and assertively within the confines of applicable legal frameworks. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I've made complaints numerous times to XXXX, TransUnion, XXXX about placing inaccurate information on my credit report but yet I'm met with stall tactics. 15USC1681 ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX is a consumer reporting agency. So why is XXXX reporting inaccurate information for profit and gain by putting this on my credit report. Which in fact my letter from the Federal Court House specially states that it does not and I repeat does not share any information with any ( CONSUMER REPORTING AGENCY ) so why is this inaccurate information is on my credit report? It's simple, it's about money! I exercise my right to privacy under the provision ( 15USC1681i ( 7 ) XXXX, TransUnion, XXXX are noncompliance ( 15USC1681n ) for Conspiring with rights ( 18USC242 ) under ( 15USC1681c ( b ) XXXX XXXX TransUnion XXXX XXXX acquired my personnel information without my consistent or written notice to do so. ( 604 ) ( 15USC1681b ) Permissible purpose. 15 U.S. Code 1681a this information was obtained through P.A.C.E.R! I understand this a public record to access information but this does not give XXXX, TransUnion, XXXX rights to place this on my credit report nor is their a FCRA that says Consumer reporting agency have rights to do so. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

15 U.S. Code 1681i ( a ) ( B )

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I saw a sofa for sale on XXXX that appeared to be on sale from someone living in close to XXXXXXXX XXXX. They said they could deliver it for a {$50.00} deposit. I sent the money through XXXX using my checking account to who I thought was the woman 's husband. I couldn't remember the guy 's las name so I out the contact as XXXX. She said they needed another {$50.00}. I corrected the last name and then the payment didn't work, so I used XXXX. I contacted them again on XX/XX/XXXX to make sure they were going to deliver the sofa, but the lady left the XXXX conversation. I worried I had been scammed, so I immediately contacted TD Bank and XXXX. I filed a dispute with both. I also set up a fake account and I contacted the woman again and sure enough, she tried to sell me the same sofa again, complete with new numbers and names to send the money to. 

I called the XXXX Police Department on that Monday to file a police report, but they never called me back like they said we would. XXXX stopped the payment to the scammers and gave me my money back. I never heard back from TD Bank so on XX/XX/year>, I went to a TD Bank and spoke to Store XXXX XXXX XXXX. She couldn't find the complaint at first, but told me it had been denied. I complained that the bank had asked for no documentation from me and that I was a victim of a crime! I gave her all of the documentation and she told me that she was sure the documentation would make the difference. 

However, I have still not heard anything from the bank and I still have not had the money put back into my account! I called XXXX and they put me on hold for XXXX minutes because they could not find my dispute AGAIN and I had to get off the phone because I had to go to work. I called the store and they would not even try to look it up. XXXX, I reported the XXXX  post and XXXX said the post was not breaking any rules by using its site to scam people. I feel let down on virtually every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I asked for the original signed contract and payment history many times to be sent to my address and have never received them. They are harassing me at family members homes that i do not live at. I asked to be notified via my personal home address which was ignored. i get threated by them to be sued and severed at family 's house of residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I REVIEWED MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX, AND THERE WERE SEVERAL FRAUD INQUIRES ON MY REPORT. THE INQUIRES ARE BUT NOT LIMITED TO AFFINITY FCU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This complaint is against LVNV FUDING LLC. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with LVNV FUDING LLC delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of LVNV FUDING LLC? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with LVNV FUDING LLC remove and delete this immediately. Why is there a date opened? I have never opened an account with LVNV FUDING LLC and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX BANK XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, Public Record - XXXX XXXX CT FL 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 2024-03-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-03-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/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 2024-03-18 00:00:00
Product: Credit reporting 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:
XXXX XXXX ( Bank ) XX/XX/2024 I have found fraudulent inquiry 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