vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-14 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: FL

Complaint narrative:
I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Debt Collection Practices Violation by Radius Global Solutions Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding a recent interaction with Radius Global Solutions , which I believe constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This call was in regard to my XXXX XXXX account. 

On XX/XX/year>, a representative from Radius Global Solutions contacted my mother directly on her phone, stating that the call was in relation to benefits concerning myself. My mother, believing it was legitimate and related to my well-being, merged the call with me. During this call, the representative requested that I verify my Social Security number, leading to the inadvertent disclosure of personal information with my mother present.

According to the FDCPA, debt collectors are prohibited from discussing details of a consumers debt or related personal information with third parties without explicit consent. Furthermore, they may only contact third parties to obtain location information, and they must avoid misrepresenting the nature of their call. The representatives misleading statement about benefits and the request for sensitive information in the presence of my mother is a direct violation of these guidelines and has caused me distress and concern.

I respectfully request that your office investigate this incident to determine if appropriate enforcement actions can be taken against Radius Global Solutions. Additionally, I would appreciate guidance on any further actions I should take to address this violation and ensure my privacy rights are respected. 

Please feel free to reach me at XXXX or via email should you require further information or documentation regarding this complaint. 

Thank you for your attention and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OneMain Finance Corporation
State: NV

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, multiple payments were taken from my account which were unauthorized for various amounts from the vendor XXXX. The following were the amounts, in the order of which they were made : {$95.00}, {$100.00}, {$10.00}, {$100.00}, {$40.00}, {$50.00}, {$80.00}, {$80.00}, {$80.00}, {$80.00}, {$80.00}, {$98.00}, {$98.00}, {$99.00}, {$900.00}, {$990.00}, {$990.00}, {$990.00}, and {$25.00}. This effectively drained and overdrafted my checking account. 
I have been in contact with my bank, Wells Fargo about this incident and they had given me a provisional credit on XX/XX/year>. However, the case is still open and Wells Fargo will not give me any information other than saying they are still investigating. This does not make sense to me as I was traveling abroad at this time and would obviously not drain my account myself while I was traveling abroad. I explained to Wells Fargo when I initially called to report this ( upon my discovery of the incident ) that I was traveling abroad and this was the only card I had, but they did not seem to care and left me to travel abroad in a foreign country with no funds. I would like this issue to be resolved and the case to be closed.

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 2024-11-14 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: DE

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to formally dispute the fraudulent charges listed on my credit report due to identity theft. I have discovered that my personal information has been used without my consent, resulting in debts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved. This is impacting my credit and causing extreme frustration.

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 2024-11-14 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While reviewing my credit profile I came across 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 2024-11-14 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: GA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies authorized credit cards to my report without my consent. Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts listed on my credit report. My personal information was compromised in a data breach, and the following accounts have been fraudulently associated with my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed immediately : Unauthorized Accounts XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts listed on my credit report. My personal information was compromised in a data breach, and the following accounts have been fraudulently associated with my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed immediately : Unauthorized Accounts XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-14 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:
I DO NOT REGCONZIE THESE ADDRESSES PLEASE REMOVE THEM THANK YOU XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX,XXXX  XXXX WRONG ADDRESS FOR WHERE I CURRENTLY RESIDE )

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 2024-11-14 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: NY

Complaint narrative:
I am unable to unfreeze my Experian credit report. I continue to receive following error message - " Your account has been locked due to too many failed attempts. Please call us at ( XXXX ) XXXX to unlock your account. '' All Experian phone numbers and relevant prompts route back to this same message. There is no option to speak with a person - only XXXX. Being unable to unfreeze the report is ultimately impacting both me and and my business resulting in both personal and business disruption.

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 2024-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Our mortgage servicing was transferred to Freedom Mortgage from XXXX in XXXX. We received a call from Freedom saying there were issues on our original mortgage and they would be sending paperwork to us to fix it. I checked with our local XXXX  XXXX who helped us with the loan in the fall of 2023 and she recognized that they were trying to get us to refinance. Freedom sent us a complete package to sign and return XXXX different times. Different loan people with Freedom called almost every day asking why I hadn't returned the paperwork and I told them they weren't going to trick us into refinancing with them. I feel it was elder abuse and maybe loan fraud to approach us like they did. We ended up refinancing our loan through the original lender just to get away from Freedom Mortgage.

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 2024-11-14 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of identity theft and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report, as these accounts were opened without my authorization : XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I informed Santander of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in two feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, Milton. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, a notification on XX/XX/XXXX indicated a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''

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 2024-11-14 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: CA

Complaint narrative:
Re : Formal Dispute and Cease Communication Request for Account ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary.

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same. 

I request that you : Confirm receipt of this dispute and cease communication request in writing. 
Cease all further communication with me concerning this alleged debt. 
Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made.

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part. 

Thank you for your immediate 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 non-monetary relief