vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account is ID theft. Police report filed and submitted with my CRA disputes. I will also be submitting FTC affidavits regarding identity theft. I have retained legal representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coastal Capital Processing, LLC
State: IL

Complaint narrative:
I received a call today they left a message and I returned the call. The man said is this XXXX XXXX? I said it is. He said iare the last XXXX of your social XXXX. I said yes. He said Im calling about a debt you owe to XX/XX/XXXXXXXX. I said Ive never had an XX/XX/XXXXcard. I said can you send me something to show me? I said Im wondering if someone is using my ss #. He said you can just pay Pennies on the dollar and it will be gone. I said why pay something I dont owe that Seems silly. He said well we will place a judgement against you. Garnish your wages So the lawyers will be in touch Im sending to them and hung up on me. A couple hours later I got a phone call saying this is to notify XXXX XXXX she is served and if you dont call in XXXX hours to this number there is a judgment. Repeat. And again it was a a recording! They never sent anything never confirmed it was mine - its not! They can go to court in some other state and get a judgement if I dont show up to court by just leaving a phone message? Thats our justice system? This company should be put out of business! The company is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states the consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. Other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I had a loan that was used as a refinance a long time ago. The loan was dissolved as a part of a mortgage company that wrote off the loan with the IRS as a tax deduction. Mr. Cooper got ahold of remnants of the document and instead of ceasing the payments pursued the collection on a new loan number. I signed no new loan and I have no idea what the loan is or what the terms may be. The Title insurance company told me there are no entries to the county documents where XXXX or Mr Cooper are lien holders or have any other attachments to the property. She stated the old loan was dissolved and removed from public record. I have a letter and printed proof that they have no interest in the property. I have no idea where they got the new loan number. The IRS sent me a letter to pay taxes on income from the property and I had to send them proof that I am paying Mr Cooper. The IRS agent told me there are no records stating that the loan exists, however I am off the hook. I started this XXXX years ago and the CFPB agent told he could not pursue it due to the Mr Cooper pending case that resulted in a {$94.00} XXXX dollar settlement. I am still getting charged on this ghost loan and some of the Mr Cooper employees are just getting put in XXXX as a result of my reports to the IRS and the FBI. Who can stop the payments and threats against my credit? I have a list of the payments and it is approaching about {$150000.00}. Can I get my money back? I have documents if you need copies of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account is ID theft. Police report filed and submitted with my CRA disputes. I will also be submitting FTC affidavits regarding identity theft. I have retained legal representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-05-11 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:
Request for Deletion of Collection Accounts I am writing to you regarding the collection accounts associated with XXXX XXXX XXXX and the original creditors XXXX XXXX and XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has reported these accounts to credit reporting agencies without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The details of the accounts are as follows : XXXX. Account # XXXX XXXX. Account # XXXX The violations are as follows : XXXX. XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ). 

XXXX. Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX. XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ). 

XXXX. Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection accounts from my credit report. 

Please confirm in writing once these deletions have been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
XX/XX/2024 I received a secured message from Transunion AGAIN, stating that the PROOF OF ADDRESS was not accepted. See message below : Re : Proof of Address Unacceptable - Reason # XXXX We have received the documents you supplied for proof of your current mailing address : however, the document ( s ) were unacceptable due to one or more of the following reasons : Reason # XXXX : One or more of the documents provided was too old. Refer to the timeframes listed below. 
Reason # XXXX : One or more of the documents provided was illegible. 
Reason # XXXX : One or more of the documents provided was not a qualifying document. Refer to the list below. 
Reason # XXXX : Only one form of proof was provided. Two ( 2 ) qualifying documents are required. 

Please provide two ( 2 ) current forms of the qualifying documents listed below. 
- Driver 's License - State ID Card - Bank or Credit Union Statement - Cancelled Check - Government Issued ID Card - Signed Letter from Homeless Shelter XXXX Stamped Post Office Box Receipt - Utility Bills ( Water, Gas, Electric, or Telephone ) - Pay Stub Please have your file number ready XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the documents I provided are ACCEPTABLE as I provided ( XXXX ) BANK STATEMENTS- XXXX FROM CHECKING ACCOUNT AND XXXX FROM SAVINGS ACCOUNT. These are XXXX separate account numbers therefore XXXX separate accounts. Furthermore, my driver 's license is a REAL ID. 

Continued refusal to handle this claim in a timely manner is going to result in LEGAL ACTION being filed, and Transunion can explain to a judge why they continue to violate FCRA 605B as I have supplied everything that is legally required.

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 2024-05-11 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: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

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 2024-05-11 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: RI

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

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 2024-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
on XX/XX/2024 I sent a letter via certified mail to Fair Collection And Out to verify the alleged debt they claim I owe. In response they sent me a copy of an online lease that was used on docu-sign. This didn't validate the debt is mine. So on XX/XX/2024 I sent a second letter to this company requesting full details and documentations to verify this debt. They failed to send the required documentation I've been asking for several times. This company keeps giving me the run around and sending me the same information, which does not prove this debt is mine. I have no knowledge of this account this is false information that is being reported by this company. I have had my identity appear on the dark web ( my drivers license and social security card ) this debt could be fraudulent.

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 2024-05-11 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXXXX/XX/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 2024-05-11 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc
State: KY

Complaint narrative:
My usual payday loan company ( XXXX ) had been compromised on or about XXXX2024, and I 'tried around ' online for alternatives : one company named " Chime '' forged my name to loan document and boasts it is sending me a debit card -- utterly unwanted -- presumably for an amount of some {$200.00} -- closing out immediately on seeing my forged 'signature ' per XXXX  phone -- then getting notice of mailed (? {$200.00}? ) loan card email, I spammed/unsubscribed the Chime blurb, and yet was told severally that this unwanted loan debit card was being mailed to me. This is -- per forging my signature on loan doc etc. -- FRAUD to my best estimation. HELP! NEED FEDERAL INTERVENTION ON THIS SEEMING RAW CRIMINAL FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I contacted the company twice and requested validation of this debt along with several other items that can provide me proof that this debt owed is mine. I've yet to get a response from this company and it's been well past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! 

What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. 

P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief