vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account Number XXXX Dear Net Credit I am writing in response to your recent communication dated XX/XX/XXXX regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( FTC ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
According to XXXX XXXX Part XXXX Family Education Rights and Privacy, the credit agencies XXXX, XXXX, and Transunion are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
According to XXXX XXXX Part XXXX Family Education Rights and Privacy, the credit agencies XXXX, Equifax, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies Experian, XXXX, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

Experian is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Massage from early warning services said that Bank of America is stating that all fraudulent account information is accurate when thats not true. I have provided a FTC report and a police report along with an affidavit of identity theft. I am unable to open any bank account due to this unlawful manner, this is causing me a huge problems and XXXX affected mentally.

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 2025-01-14 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: SC

Complaint narrative:
I am victim of Equifax XXXX breach and also XXXX XXXX XXXX and I requested my consumer report and noticed that the accounts list are bot mine and I have no knowledge of these accounts : Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Bank Account Number : XXXX and a list of inquiries that are unauthorized : 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 2025-01-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Hello My name is XXXX my nephew XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  years ago in XXXX diagnosed in XXXX it was a very rough time we where driving XXXX miles every day to spend time and talk over his treatment plans and then I had to go to work. I honestly didn't know I had any debit with Capital One. I had paid any debits when he was diagnosed, Until a sherif came on XXXX day to deliver a lien on our home. My nephew wanted to pass away at home when the treatments stopped working he had just turned XXXX. 
During the pandemic my job of XXXX at XXXX my job was eliminated XXXX severance package. The year prior my partner had to have emergency XXXX XXXX due to XXXX  and a XXXX in the middle of his brain. I did try to reach out to the lawyers through email they didn't want to communicate that way it was by phone only. I am absolutely scared they will try to take our home. I called capital one they acted like they had know idea. She was kind and told me it was XXXX debit I told her I didn't know about it and wanted to set up a payment plan she said it was out of her hands. I don't have a dime to my name now. I have filled for XXXX due to my health. 
Any help would be amazing thank you for your time XXXX  P.s I am not to good with paper work or understanding legal stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery & Associates have been trying to collect a debt from me that isn't mine for over XXXX years. I disputed the debt several times, yet XXXX ignored and stated that an investigation had been done. XXXX has reported this on all credit reports with all credit bureaus for XXXX years. XXXX and I have been in court for XXXX years with the outcome of XXXX winning a judgement against me. I have filed complaints here with CFPB and nothing was done. I will not stop until I get the funds necessary for the damages XXXX has caused for violating consumer right laws, damages they have caused to my finances, to my credit worthiness, and emotional/physical stress. XXXX can not continue to do this to consumers and get away with it. After I received this judgment in court, I filed a complaint with XXXX and filed a dispute with credit bureaus due to not having any prior history with the original creditor ( XXXX ). After disputing with the credit bureaus it was determined that XXXX be removed from my credit reports. Now, XXXX has dropped the judgement and lawsuit against me, but that is NOT enough. I've consulted with an attorney and determined to sue XXXX. This should not be happening to consumers. This happened to me for NO reason. Why was XXXX able to get a lawsuit against me in the first place? XXXX should NOT have been able to be on my credit reports at all! Especially, with NO prior activity with the debt they bought. This company has wasted my time and energy dealing with a debt that didn't belong to me for over XXXX years now! Absolutely ridiculous and absurd. The debt collection companies need to be held accountable just as they want all debtors to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. After carefully reviewing my credit report, I noticed a hard inquiry that I did not authorize. I am concerned that this inquiry XXXX have been made in error or as a result of potential fraudulent activity. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Since I did not initiate this credit inquiry, it should be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Me and the joint account owner ( wife ) have been trying to get the money out of the savings account, and they refuse to process the transfer request. We have tried calling several times and they keep saying that they can not verify the joint account owner but offer no other way to verify her other than giving them another phone number ( we already tried ) or responding to questions. We have tried answering the question but keep saying that their system does not let them keep going. Last time we call to try and get this resolved was on XX/XX/2025. They mentioned that they had sent an affidavit of identity a couple of months before and that we needed to send it back. We informed the representative that we never received that affidavit. The rep mentioned that he could recommend to the banks fraud department to send it again, but he could not do anything else and they offered no other solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-14 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: NC

Complaint narrative:
Its really frustrating to know my XXXX XXXX has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-01-14 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: ROAD Auto Finance, LLC
State: GA

Complaint narrative:
My Wallet was stolen myself and my childrens social has been exposed there's a lot of credit inquiries on my report and not even sure about my childrens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
My Wallet was stolen myself and my childrens social has been exposed there's a lot of credit inquiries on my report and not even sure about my childrens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
XXXX Mortgage informed me that my taxes increased from {$6700.00} to {$16000.00}, which was incorrect. This mistake caused my escrow account to go negative. They told me they would correct the error by adding the overage amount to my mortgage payment over XXXX  months. I followed this plan and have made XXXX payments so far, but I was never credited for the corrected amount. The following year, they repeated the same process, adding an additional XXXX payments to the existing XXXX, yet again, I did not receive any credit. Now, in the XXXX  year, they are claiming there is another error and plan to increase my mortgage payment by {$470.00} to address the issue.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had XXXX active accounts open with chime financial - Credit card, checking account, and savings account. 

I received an email on XXXX from Chime financial, that states we have decided to close your XXXX XXXX XXXX Credit Card Account, Savings account and checking account effective immediately, Your account was closed for the following reason ( XXXX ); * Account does not comply with the member agreement At this time you are not eligible for a refund of any remaining account balance please contact chime member services about this decision at XXXX ( XXXX ) XXXX. 

I received an email stating to upload personal information such as and Govt ID, license and I did that twice. 
I called the chime member services numerous times and XXXX rep stated i will receive my refund and the others states I am not eligible. They state they are unable to explain exactly what I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. This company has not validate any debt.

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 2025-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation