vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a XXXX XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the XXXX market and used to obtain lines of credit that I did not authorize.

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 2024-10-08 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:
XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX established XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX established XX/XX/XXXX These debts/ collection doesn't match my address in the data systems. I stay at one address for over 10 years. My information has been stolen. I do have a identity theft report for proof. I need these items deleted from my credit report asap

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 2024-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: OK

Complaint narrative:
XXXX sent a collection notice from AllianceOne fro services with XXXX that I have never had I have never signed any contract with XXXX of any sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting TransUnion and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently sold my house on XX/XX/XXXX and closed on the new one the same day. All XXXX  credit bureaus sent me notification that my score went up XXXX points after selling old house which showed I satisfied that loan as being paid off. However this week all XXXX  bureaus reported that because of my new home my points dropped on all three bureaus. How is that possible? It seems unfair how these credit bureaus report. I paid my first payment on my new house XX/XX/XXXX which wasn't due till XX/XX/XXXX. I need assistance as no one has responded or advice how my score can go down.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.

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 2024-10-08 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: NY

Complaint narrative:
Hi, my name is XXXX XXXX .I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b.Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 Furthermore, There are also inquiries that were not authorized by me. With that being said, that also makes me a victim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. 


Please address the matter promptly and confirm the removal of the disputed entries.

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 2024-10-08 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: NY

Complaint narrative:
Hi, my name is XXXX XXXX .I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b.Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 Furthermore, There are also inquiries that were not authorized by me. With that being said, that also makes me a victim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. 


Please address the matter promptly and confirm the removal of the disputed entries.

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 2024-10-08 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is now my third complaint through the CFPB about the Chase British Airways credit card XXXX rewards program. The first XXXX complaints were due to Chase neglecting to give the promised XXXX points to my British Airways account from XX/XX/XXXX to XX/XX/XXXX. After the second complaint through CFPB, Chase uploaded these XXXX  points on Transaction and Posted dates XX/XX/XXXX ( per attached document " XXXX XXXX '' ). Since then, Chase has not uploaded the XXXX points that have been accumulating after the resolution of the second complaint ( i.e. XXXX points accumulated after XX/XX/XXXX ). I am now missing XXXX points from the XXXX, XXXX, and XX/XX/XXXX credit card statements ( see attached documents " XX/XX/XXXX statement, '' " XX/XX/XXXX statement, '' and " XX/XX/XXXX statement '' ). I called Chase about this current issue on XX/XX/XXXX, and the representative informed me that she was escalating the problem and that I should see the points within 14 business days. However, it has been longer than 14 business days, and I am becoming extremely frustrated with Chase 's dishonesty and unprofessionalism. I do not wish to have to call Chase every month and then wait 14 business days every time for them to claim they are escalating the issue only to not see those points in my British Airways account. It seems as though Chase is only motivated to fix the issue whenever I file a CFPB complaint, which is completely unfair to myself and CFPB. As a side note, I have also attached the previous monthly statements from XX/XX/XXXX to XX/XX/XXXX to corroborate that the XXXX  miles posted on XX/XX/XXXX are from my previous CFPB complaint about the missing miles between XX/XX/XXXX and XX/XX/XXXX. I have also attached my XX/XX/XXXX credit card statement to show that no XXXX points accumulated after XX/XX/XXXX have been added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Valley Bank in-branch in XXXX, Florida. During the account opening, I presented a promotional code for an advertised promotion including a {$400.00} signup bonus upon the completion of the outlined terms. I signed all applicable documents and received copies of the promotion, terms and opening documents. 

Outlined in the promotional terms was a requirement " To receive the {$400.00} reward, the account must receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within the first 90 days from the date of account opening ''. 

On XX/XX/XXXX I received my first direct deposit of my paycheck in the amount of {$4000.00} and my second on XX/XX/XXXX in the same amount of {$4000.00}. 

On XX/XX/XXXX I received a paper letter addressed from the branch manager, where I opened the account, detailing that the account would be closed on XX/XX/XXXX. The reason given was that my XXXX report was pulled and they would not continue a banking relationship. 

On XX/XX/XXXX, my account was closed and a check for my remaining balance was mailed to me. 

My account was approved and my XXXX pulled on the day of account opening in-branch, they pulled my report again around 44 days later and made a decision to close the account. 

I was informed by someone at Valley XXXX, that a decision was made sometime close to XX/XX/XXXX to deny all applications if the bonus code was applied but the applicant had more than XXXX XXXX inquiries in the last XXXX months. So, Valley pulled my XXXX the 2nd time and closed the account. This new requirement was applied retroactively to my account, which seems unfair and deceptive I met all of the terms outlined in what I signed. I am requesting that Valley Bank honor the original terms of the promotion and provide the {$400.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/year> Case # XXXX Re : Follow-Up on Inaccurate Representation and Unfair Treatment Dear XXXX : I am writing to express my deep concern regarding the lack of response from SoFi Lending about my previous complaint. 
In my previous correspondence, I outlined how your representative, XXXX XXXX, falsely claimed that I had not contacted SoFi within the allotted time frame. As previously stated, I have call records that show I contacted SoFi on XX/XX/XXXX at XXXX XXXX  and spoke with your representative for 28 minutes, directly contradicting XXXX XXXX 's claim. 
Furthermore, I highlighted that XXXX XXXX 's ruling was arbitrary, capricious, and discriminatory, causing me undue stress and inconvenience. To date, I have received no follow-up or resolu

tion from SoFi, which is both unacceptable and unprofessional. I must reiterate that while this complaint remains unresolved, any attempt by SoFi to report negative information to credit reporting agencies will be illegal and may res
ult in further legal action. 
This is my final notice to SoFi Lending to address this matter promptly and fairly. If I do not receive a satisfactory response within ten business days, I will be compelled to escalate this issue to the appropriate regulatory bodies and consider further legal actions to protect my rights. 
Please confirm receipt of this letter and provide a detailed response outlining the steps SoFi will take to rectify this situation. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I called Bridgecrest in order to receive the 1099-c for the car acct that is currently showing on my consumer report as charged off. This account was charged off in XXXX of XXXX  and reported to such to consumer reporting agencies, and pursuant to the IRS manual, I am supposed to receive a copy of the 1099-c form when entities report the cancellation of an account to the irs. Bridgecrest stated they are not required to provide me this information which is false as any debt cancelled over the amount of {$600.00} is to be reported to the irs as income to the customer. This form is necessary for me to receive as I need it for the upcoming tax year. Bridgecrest can not continue to collect on a debt that they advised the IRS they cancelled. I am asking the CFPB to intervene in this matter and have this company send me the documents they are required to send after waiving a debt. The IRS has also been notified of this behavior and a report for securities fraud has also been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
The company consumed my relatives account that I am a listed on, but the account is not my money and is not my account. They have froze an account that does not belong to me. I offered to pay the amount and they will not rectify the problem for the other person. They have explained I need to put the money in that persons account to settle the matter so that persons money can be freed up. 

I am prepared to sue for bank fees, bringing other people involved into my personal debt. For taking funds without suing me or contacting me. 

I repeatedly offered to take care of the debt on my side, but they will not fix the account that is not mine. 

The debt collector has seized money without direct communication. They made no attempt to contact me or to correctly identify MY bank account. They have held the money up and will not agree to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a XXXX XXXX  victim from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the black market and used to obtain lines of credit that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a XXXX XXXX  victim from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the black market and used to obtain lines of credit that I did not authorize.

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 2024-10-08 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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