vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Cards - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past XXXX calendar days. 

**Note : I will mail copies of all corresponding documents to your office as they exceed XXXX for uploading purposes. **

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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I referred my friend using Sofi personal loan promotion offer. My friend received her XXXX after approval but I have not been paid. I called them many times but they never helped me. Finally on XX/XX/XXXX I received an email from Sofi stating Hello XXXX, While reviewing your account, we determined that you participated in a SoFi promotion for Personal Loan Referral Program, but did not receive the bonus payout. 
To make this right, SoFi will provide you the total bonus of {$300.00}, once you complete the two items below. 

I have completed the steps but I have still not received my bonus payout and their customer service wont help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
on or before XX/XX/2023 i sent a debt validation letter to the company asking about the debt they claim i had owed is {$640.00} to Midland credit Management which i inform them i didn't agree any contracts. and sent them a debt verification letter asking for contract and all info nothing was sent i have given them a year to send the info. 
under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, i May presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
I was informed that My personal information was exposed in a date breach with XXXX XXXX who works for my healthcare insurance XXXX XXXX. My name, Date of birth, Social security number, address, email and medical records were exposed. I dont not recognize these accounts, they are a resultvof identity theft and fraud. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I demand that the aforementioned fraudulent items be removed from all of my consumer credit reports and that all collections activities cease. I have attached My FTC Identity Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have a Robinhood investments account a someone influence me to open and fund we had domestic disputes relationship end everything has been funded through me and has my name and social security number attach to it they have tried three times to trick me to send XXXX dollars to get my assets ask me how much money you have in your bank I have a session from help desk with them and no solution other than give me five hundred dollars or all your assets and investments are gone the guy who has the phone attach to my account has it and he never answers, unauthorized trades and transactions since XX/XX/year> I haven't spoken to the person using my account. I want my funds and the unauthorized usage stopped. I verified id through XXXX XXXX on XXXX XXXX, I have XXXX I securely sent link through email they blocked my number and cursed me out. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 


This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 


I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Hi My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 


This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 


I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I was looking at my Credit Report and noticed there were Hard Inquiries that are not 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 non-monetary relief
Consumer complaint received 2025-01-09 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: AZ

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 2025-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I refinanced my mortgage to lower my interest and shorten my term to twenty-five years.

Carrington Mortage Services, LLC purchased my VA loan. From that time, my mortgage continued to rise from XXXX XXXX  monthly to {$1400.00} monthly to date. Simplify because they refused to allow me to get credit for shortages and avoid shortages by putting money into my escrow account. They would send me a check for overpayment but continue to not accept my payments for shortages. They will tell me legally I am not allowed to avoid shortages by making the payment. So, no matter what I attempt to do to prevent my mortgage from increasing, my mortgage automatically increases every year. 
There's nothing I can do about it. I am never late, nor have I ever missed a payment since I have owned my home. This company is forcing me into foreclosure by legally utilizing my escrow account and repeated escrow analysis to do it. I strongly feel like I am being profiled by this mortgage company. I reported them to the VA, and the repeated escrow analysis was reduced to once a year. No change to the mortage increases and still not accepting my shortage payment to avoid the increases. I received the escrow analysis alert on my phone and responded the same day with payment, only to learn my mortgage had already increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-01-08 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX 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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SoLo Funds Inc.
State: CA

Complaint narrative:
I signed up for peer to peer lending through a site called ( solo funds Inc. ) this sight is to lend money or borrow money with interest paid when returned.i then input my bank information and funded the account with {$400.00} so that i can lend money out to those in need. When trying to lend my money to another person on the sight who was in need I was met with a message.The message stated ( Oops!! Solo is temporarily unavailable in your state ). No harm no foul Ill just remove my funds and try back later.when I tried to remove my funds I was told I was unable to unless I lend money out or borrow money from some els and pay a fee .but how can I do that if is unavailable in my state.Ive been going back in forth with fake customer service for 3 weeks now with no help or anyone even telling me when someone will contact me to help me get my money back.and random messages that are pre typed saying they havent forgotten about me.this company is a scam I even tried to leave a review on the site were they have a fake review and you cant leave one .Every name you input they say is. Already taken. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past 30 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately.

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not my account XXXX {$3500.00} Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.

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 2025-01-09 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: TX

Complaint narrative:
I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately.

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account XXXX  {$3500.00} Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mendelson Law Firm
State: MS

Complaint narrative:
Dear, Mendelson Law Firm ( representing XXXX XXXX XXXX ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/year> ). I dispute the validity of this debt and request that you immediately cease all future communication with me regarding this matter, as authorized by 15 U.S. Code 1692c ( c ). According to the Fair Debt Collection Practices Act ( FDCPA ), under 15 U. S. Code 1692c ( c ), I have the right to request that you cease further communication. Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: VA

Complaint narrative:
They are charging me interest on a debt owed to XXXXXXXX XXXX and upon further inspection of my contact, there was no interest applicable, stated, nor agreed upon. This is a violation of the law. Removal from my credit report and establish a payment plan for the actual amount due.

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 2025-01-09 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ability Recovery Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand Under 15 U.S.C. 1692c Debt Collection Communication Dear Ability Recovery Services LLC, I am writing to formally demand that you immediately cease and desist from all further communication with me regarding the alleged debt referenced in your recent correspondence, as well as any future communication related to this matter. This demand is made pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further contact with me regarding the above-mentioned debt. Please consider this letter as my formal written notice that I no longer wish to be contacted by your agency regarding this matter. As required by law, this letter serves as an official demand that you : 1.Cease and desist all communications with me, either directly or indirectly, regarding the debt in question.

2.Cease any further attempts to contact me by phone, mail, email, or other methods unless such contact is required by law or for the purpose of informing me of specific actions you are taking ( such as legal action, if applicable ).

3.Provide written confirmation within 30 days of receipt of this letter that all communication has been terminated in accordance with my request.

Please be advised that any further communication in violation of this request will be considered harassment under the FDCPA, and I may pursue legal remedies available to me under 15 U.S.C. 1692k for any damages caused by such violations, including statutory damages and attorneys fees.

Additionally, I request that you immediately cease any further attempts to report or escalate this matter to any credit bureaus or engage in any other action that could negatively impact my credit standing.

Please note that I am keeping a copy of this letter for my records. Should this matter not be resolved in accordance with my request, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the state attorney generals office, and pursue any additional legal action I deem necessary.

I trust that you will take this matter seriously and comply with my request immediately. If you need to contact me regarding any legal requirements or updates about this debt, you may do so only by written correspondence at the address above. 
Sincerely, 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 2025-01-08 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: CA

Complaint narrative:
I have reviewed my credit report attached are the additional accounts from XXXX XXXX that are the result of fraud. I have submitted another CFPB Complaint but this is the updated one with all accounts of fraud.

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 2025-01-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed an FTC report. They dont respond to any of my inquiries. They just send a useless list of homework for me to do. How about a federal agency actually assist the customer, the public, with stopping fraud on our credit cards. It's been the third time in XXXX  years. I report it. I get XXXX feedback. I complain. and still nothing happens. Consumer protection? Really. Who will protect me from you? What a useless agency.

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 monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action.

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