vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: NY

Complaint narrative:
I owed chime XXXX dollars! I will pay the XXXX dollars but they dont answer when I contact them.. I dont believe I owe the XXXX dollars but Ill pay it so they can take it off my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Incorrect information was reported by LexisNexis Risk Solutions : * XXXX XXXX XXXX and/or court data ( XXXX ) - provided by a consumer reporting agency * XXXX XXXX XXXX XXXX XXXX XXXX XXXX - provided by a consumer reporting agency Driver : XXXX XXXX Description : at fault accident Date : XX/XX/2021 Source/Consumer reporting agency : XXXX XXXX/LexisNexis Driving history and claim information provided by the following consumer reporting agencies : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: NV

Complaint narrative:
I was checking my credit report and noticed that VW had reported my old Car Loan to all 3 credit bureaus as 30 day late for the month of XXXX of XXXX  as well as 30 day late in XXXX of XXXX XXXX Multiple calls were made to VW customer service during that time sine we were in XXXX XXXX and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is a debt that is not owed by me and I would like this removed immediately from my credit file.

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 2023-10-18 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:
Can you delete these accounts because they are negative and are not mine? 
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 2023-10-18 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: OneMain Finance Corporation
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
There's was on going transaction from a car rental place where the vehicle got turned in on XX/XX/XXXX after that they charged my card again in XXXX I made a dispute they didn't handle the situation now in still in the negative where they refuse to investigate the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XX/XX/XXXXI hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly.

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  : XX/XX/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 XXXX XXXX XXXX XXXX  I hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly. 

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account 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 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp is arbitrarily and capriciously restricting, inhibiting, reducing, sabotaging, interrupting, preventing, and otherwise obstructing money being transmitted by my predominantly XXXX, XXXX, XXXX XXXX XXXX XXXX from hiring/paying our XXXX XXXX XXXX XXXX in order to obtain much needed legal services, in our major practice areas of immigration law, deportation defense, family law and divorce, criminal defense, and civil rights law. Based on their transparently biased, XXXX, and discriminatory letter attached, where they use a ton of non-specific " buzzwords '' to justify their illegal actions and conduct, it is our legal analysis and opinion that they are targeting minority payors, and payees, to prevent or inhibit interstate commercial transactions, in violation of the federal, state and local law, and even the United States Constitution. Even worse their motivation appears to be in violation of Title VII of the Civil Rights Act as well as other Human Rights Laws of New York State ( and other states ). Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
On realizing this item on my credit report I then tried disputing the item There was no investigation conducted on my behalf to protect my rights as a consumer. 
I have never step foot on the business premises associated with this account No papper work has been checked for signatures and no video surveillance of my presence in this institution has ever been conducted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
NewRez purchased XXXX XXXX XXXX, with the acquisition close at some point in 2023. In XXXX of 2023 NewRez decided to make the transition, causing the " closing '' of my XXXX XXXX XXXX mortgage without replacing it with a NewRez mortgage, this has caused a drastically negative impact to my credit scores on both reporting systems. It is impacting my daily course of financial stability as credit card providers are now trying to reduce my credit lines because my credit score dropped drastically. This has caused massive harm to my personal finances and NewRez is not properly reporting to the credit bureaus. I am lost as a consumer and have no course of correction to my finances. NewRez has ruined me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

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 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: IL

Complaint narrative:
An new account tagged student loan from an entity address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX was added to my XXXX XX/XX/2023. Three letters, sent to my address from this company were returned, with barcode crossed out, and phrasewrong person, which it took a picture and have record of. I had record of this account on my XXXX, XXXX, and XXXX prior to XX/XX/2023 and received no notification of this account being added until it randomly showed up on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
Can you delete these accounts because they are negative and are not mine? 

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 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT MATCH MY SSN OR ADDRESS. THEY REFUSE TO PROVIDE PROOF THAT THE SSN MATCH.

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 2023-10-18 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: NJ

Complaint narrative:
Can you delete these accounts because they are negative and are not mine? 

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 non-monetary relief
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
Can you delete these accounts because they are negative and are not mine? 

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 2023-10-18 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: MI

Complaint narrative:
XXXX XXXX credit card {$860.00} According to my credit report the account was opened XXXX of 2022. 
The collection company is MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Which seems like scammers because when I called to get more information about the card and charges they were trying to get more money and a monthly subscription of {$100.00}. They claimed they would resolve all my issues an boost by credit within 90 days. I declined and declined to call XXXX XXXX and filed a dispute and the advised me to file a report with your site. 
XXXX XXXX Thank you

Company response to consumer: Closed with explanation