vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
consumer portfolio services Took nonjudicial action to effect dispossession of my property. ( 15 USC 1692f 6 ) consumer portfolio services commited identity theft by disclosing my nonpublic personal information to a nonaffiliated third party without giving me the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and consumer portfolio services give an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent receivables have {$2600.00} in collections but I dont know what its from or for. I have reached out to them to provide me a copy of the original contract with signature and a copy of the payment history. I have not received anything or heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-01-07 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Numerous phone calls were placed with only an automated message and no voicemail to be left nor a representative to speak to. I emailed the company twice asking to report and update the loan was transferred and the account closed along with a reply via letter confirming such activity. I was completely ignored. No letter, email, phone call or correction and update of information was received. My credit report has been still showing as if I have two mortgages rather than one transferred mortgage. This has rejected me from being able to obtain a loan modification, refinance or repayment of any kind. This company was aware of the transfer because it sent me the transfer letter as well as sent to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and CREDIT KARMA are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: VA

Complaint narrative:
Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. 

I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. 

From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX  ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''.

On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. 

Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. 

Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective.

Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. 

To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX  months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine.

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 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I filed a dispute with the credit bureaus TransUnion, XXXX and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I started receiving emails from a company called Chime over the last few days. I received the first email on Friday XX/XX/XXXX welcoming me to Chime. I thought it was likely spam at first, and disregarded the email. However, the next day XX/XX/XXXX, I received an email saying my new credit card was mailed out to me, and one of my old addresses was listed as the receiving address. Then, I also started getting texts and emails asking me to verify my email and phone number. 
I looked up the company, and then reached out to customer service. They said that they would just remove the email, and said that my name wasnt on the account. They didnt close the account, as they kept insisting that the email was likely just a mistake. 
However, promptly after the call, I received more emails and texts stating the email address was changed, and requesting verification that I made the change. 
I promptly called back and had to demand that they explain what was going on. I read the customer service the emails, and then they realized that the account was based on my previous married name, old address and information. Then they agreed to close the account. 
However, they refused to provide me with what information was used to open the account to me. I was extremely upset, and explained I wanted to know if this thief had my SSN, or what they actually used for them to open the account. The rep said she couldnt provide this, but she would send me an email telling me how I could go through one of their departments to get it. 
This is upsetting, as they simply allowed someone to open an account, did not checking on any information, and then wouldnt even provide me with what they used, so I can figure out what is going on. 
They did close the account, and send an email letting me know I wouldnt be charged for any activity. 
However, they did admit that they sent out a credit card without verifying any credit info, or anything of mine, which is highly concerning as well. 
This company should really be investigated and shut down, as this is easily allowing for identify theft like this to occur with no safe guards in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi so Ive recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-07 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: IL

Complaint narrative:
Hi so Ive recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I purchased a Vehicle back in XXXX of XXXX from XXXX of XXXX and the lender Santander Consumer USA located at Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I have had this vehicle for 5 years and 3 months. I have paid a total of {$15000.00} but the company has delegated XXXX towards the interest of the loan and only {$630.00} towards the principal of the loan. I still have a balance owed of XXXX at an Interest rate of 22.57 %. 
When I request an estimated payoff quote, I receive this message on their website " The estimated amount to pay off your account is {$12000.00}. '' I am struggling to get the balance of this Vehicle down to the point I will own the Vehicle. I love the Vehicle and do not wish to surrender it so I would request that they lower the interest rate to something more reasonable or forgive the remaining balance due to paying off the loan balance within the past 5 years. 

If I continue to make regular payments, I will not have the total balance paid off by the maturity date of XX/XX/XXXX. 

I hope we can get this resolved. 

Thank you for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XXXX  apple id was stolen along with my XXXX  account. Someone is trying to open an apple charge card in my name that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax, XXXX, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have no knowledge of these hard inquiries made. The Hard inquiries made a result of identity theft, and that they must be removed no later than four business days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I first want to thank you for taking the time to read this letter. Ive had a great experience with WellsFargo and my goal is to maintain the relationship weve built over the last years. I recently pulled my credit report and discovered I have a late payment that was reported on XX/XX/2023 for my account XXXX. During that time, I forget to set up my AUTOPAY I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration.

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 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate. 
Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution. 
Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights. 
Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. 
FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter

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