vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX in the state of XXXX, XXXX XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX  UCCs code, you will need to look this up and state XXXX  and XXXX  statues, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCA and FCRA.

In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 

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
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX XXXX XXXX state of XXXX, XXXX XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX  UCCs code, you will need to look this up and state XXXX  and XXXX  statues, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCA and FCRA.

In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XX/XX/year> called and stated I owed them a balance and I asked who was they collecting the debt for because of their company and never done business with them.Stated they was collecting for XXXX XXXX and I stated I would reach out to XXXX personally due to I have service with them before.I called XXXX and they stated I didn't have a balance showing with 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 2024-11-12 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX JPMCB Card services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX XXXX XXXX  services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
XXXX months ago, I entered into a personal loan agreement with a co-borrower. During the initial conversation with the bank representative, I specifically inquired about the possibility of refinancing the loan. The representative explicitly confirmed that I would be able to refinance after making the third payment. Based on this assurance, I proceeded with the loan despite its higher interest rate. 

However, when I recently contacted the bank to initiate the refinancing process, I was informed that it was not possible due to the co-borrower nature of the loan. I felt misled and believe that the bank intentionally withheld or failed to provide me with crucial information. 

Subsequently, I escalated the matter to a manager who reviewed the signed agreement and confirmed that there was no mention or inclusion of such a condition. Furthermore, during my second payment, I had another conversation with a bank representative who reiterated that refinancing would be possible after the third payment.

It is evident that two representatives deliberately avoided providing me with accurate and necessary information. As a result, I am now burdened with a higher interest rate and am reluctant to refinance with another bank. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The email is to bring your attention about an unusual practice at XXXX XXXX XXXX XXXX XXXX XXXX office is practicing. I am looking forward to justice to my injustice. This is an ongoing email requesting refund of unauthorized charge of {$1500.00} on my credit card. 

I have paid you {$500.00} & {$770.00} for which I have signed documents these charges are towards the XXXX  treatment which takes care of my out-of-pocket expenses after the {$2500.00} from INSURANCE COVERAGE. I dont owe you anything as per detailed email below. 

XXXX  has no documentary evidence where {$1500.00} was discussed BY THEM with me or any authorization given by me? No documentary evidence of the charges you XXXX  is talking about showing it was discussed BY Them with me or any authorization given by me? 

In the last email- {$990.00}?? ( {$560.00} your balance, {$430.00} XXXX balance ) what are these charges for? As per the XXXX  login page, my insurance covers XXXX XXXX XXXX - 100 % - IN NETWORK AND OUT OF NETWORK. ( there is more data below the screenshots ) XXXX  were given from my earlier XXXX  office XXXX XXXX XXXX, records were attached in the emails earlier which is below.

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 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After placing a catering order online in XX/XX/XXXX, someone hacked my email account and placed several fraudulent orders from several retailers. My Kohls account was hacked around XX/XX/XXXX yielding XXXX fraudulent orders that were cancelled. I secured my email account via XXXX factor authorization. Fast forward to XX/XX/XXXX and someone hacked my Kohls account again. An {$800.00} payment was made on XX/XX/XXXX. An order was made on XX/XX/XXXX. By the time I called Kohls to report the fraud, they had already cancelled the order. I have since changed my email address for my Kohls account. I had to wait an extra day because they could not change the email via chat. I was advised to call their customer service number, which had already closed when I chatted. I tried chatting with someone different the next day and was able to change my Kohls.com shopping email via chat. I also changed log in information for my Kohls credit card account. Kohls MUST do a better job of protecting our accounts. Due to that fraudulent {$800.00} payment, my checking account has been negative since that payment cleared on XX/XX/XXXX. Because of the negative balance, I cant buy anything to eat. I dont keep much in that account. What I do keep in there is enough for my monthly bills. If my account goes negative, let it be by my own hands, not by someone committing fraud. I have been severely depressed and upset that my account wont be resolved until XX/XX/XXXX because of their 10-day investigative time frame. To say that I am devastated would truly be an understatement. I havent been able to eat, and I am severely sick on my stomach. I have had XXXX after XXXX since this account hack happened AGAIN! I went to the bank and showed proof of the fraud, but they said I still must wait. I am the victim, so why am I being punished. I attached XX/XX/XXXX and XX/XX/XXXX fraudulent activity on my kohls account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-11-12 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: TX

Complaint narrative:
I was XXXXd during the time I was accused of having a credit card for this company.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was XXXX during the time I was accused of having a credit card for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 was XXXX during the time I was accused of having a credit card for this company.

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 2024-11-13 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 XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
On XX/XX/year>, I requested incorrect names XXXX XXXX XXXX XXXX XXXX be removed, as well as, my employer be corrected.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX - XXXX DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and Equafix block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXX. XXXX  account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. 1681 c-2 ), that XXXX, Transunion and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXXXXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and 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