vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, at XXXX, I sent the following message below, but Target and their law firm have ignored me : Sir, I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( listen to the call attached ). He treated me so bad. He was rude and got sassy, likely because I chose to contact your office directly. He had selective hearing, and remarkably, once I spoke to his manager, XXXX XXXX, XXXX was able to hear me and help me just fine ( that day ). 

XXXX called me back on XX/XX/XXXX, I was so hopeful that I could finally put this behind me. Then he tried to tell me that I need to sign a stipulation to judgment before you will reduce the payment to {$1800.00} and allow me to make monthly payments over a 24 month period ( listen to the call attached ). These guys already filed a bogus case against me in the XXXX XXXX XXXX. As I stated below, they never, attempted to serve me, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I resided there I had a Ring camera and can prove that NO ONE CAME TO MY HOME on those days or any other days. They lied to the courts and have been jerking me around since XXXX, while causing me public humiliation with this bogus court case. How dare they now try to pull another fast one on me legally, by trying to get me to sign a stipulation for judgement or ignore me while keeping this case on my public record in the courts. 

Target ( through this law firm, has ignored me ), their Reps ( from other countries ) have deceived me and told me that my loan was still with Target internally and that if I paid them x dollars, it would bring the account current. Come to find out it had been turned over to this law firm who is now cheat and scamming me. 

I had told them that I dispute the debt amount and they sent me documents that never broke down the charges etc. They are scamming me. I offered a settlement to get this off of my record, still yet, they are stringing me along after agreeing to settle for {$1800.00}. Its been 2 weeks since the law firm contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Deletion of Hard Inquiry Due to Identity Verification Failure Dear Sir/Madam, I am writing to formally request the deletion of a hard inquiry made by XXXX XXXX on my credit report. This inquiry, dated XX/XX/year>, was conducted without proper verification of my identity and is therefore unauthorized. 

During the application process, there were significant issues with verifying my identity, resulting in the rejection of my application. Despite this, a hard inquiry was still recorded on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without proper authorization or verification of identity is considered invalid. This unauthorized inquiry is adversely affecting my credit score and overall creditworthiness. 

The details of the inquiry are as follows : XXXX. XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX : XXXX Enclosed with this letter, you will find the following documents to support my claim : XXXX. A copy of my identity verification rejection notice. 
XXXX. Proof of my identity ( copy of my driver 's license ). 
XXXX. Any additional relevant documentation. 

I called XXXX  support and asked that my inquiry be deleted since there isn't a way they can verify my identity after providing proof and documentation 3 times while also included my physical presence at a XXXX XXXX They said i can call experian and experian will call XXXX  to verify this deletion. I stated i did not want to do that because I heard before that XXXXXXXX XXXX will blacklist anyone for removing an inquiry which will result in the denial in any future requests for credit. Keep in mind all call are monitored and recorded. Representative name is XXXX at XXXX location. 
I request that XXXX XXXX  immediately investigate this matter and remove the unauthorized inquiry from my credit report. Yes it was authorized but failure to confirm any persons identity in the request for credit must be deleted. 
Please provide written confirmation once the inquiry has been deleted. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-06-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
I placed an order with XXXX XXXX and never received the water. The charge was for {$170.00}. I never received the order, contacted XXXX XXXX but was never issued a credit so I disputed the charge on my credit card.The credit card resolved the dispute in my favor. Now XXXX XXXX has sent the charge to collections. 

XXXX XXXX had every opportunity to resolve the dispute with my credit card but never did. I do not owe them anything but they have sent me to a collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

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 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 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not familiar with this account neither did I authorize this account I was XXXX I am a victim of identity thefts

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 2024-06-27 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:
I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!

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 2024-06-28 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2024-06-27 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:
Please reinsert my account I did not want to remove the entire account

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I hereby declare that I do not, and have never consented to any contract purportedly established between myself and LVNV FUNDING as there exists NO SIGNED CONTRACT BETWEEN XXXX IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. As no such contract exists, between myself and LVNV FUNDING, I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with LVNV FUNDING. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. Moreover, I asked several times to provide a written contract between me and LVNV FUNDING but you have the company failed to produce the requested document. I have attached attached the debt validation letter I have sent around XXXX and and several dispute letters via certified mail. Account Name : LVNV FUNDING Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: KY

Complaint narrative:
I was a victim of identity theft causing fraudulent accounts to be opened. Please delete these accounts from my credit profile immediately. The accounts are below. 
- Achieve - XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
In addition to XXXX XXXX  HARD INQUIRY XXXX resulting in another individual using XXXX XXXX, getting into XXXX  XXXX profile, changing info on that XXXX  XXXX profile IN PROGRESS confirmed XXXX ... XXXX XXXX XXXX XXXX HARD INQUIRY, address and phone not mine IN PROGRESS waiting on XXXX  XXXX investigation ... ..NEWLY FOUND EQUIFAX verified info I sent for my verification and I FOUND on XXXX a HARD INQUIRY dated XXXX that is NOT MINE. Equifax sent email to XXXX ( my other email ) saying Equifax is waiting on XXXX  XXXX to finish their investigation before Equifax will take off this XXXX HARD INQUIRY that is NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX and all during my time in XXXX  and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a XXXX XXXX XXXX XXXX. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or supervised release without having to go through my XXXX XXXXXXXX. 

-- -- MY RESPONSE Thank you for responding but your investigations are completely incorrect. Yes I was " released '' on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California. 

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if. 

I already explained and submitted PROOF that I was released in New York. Where I lived in New York. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

I need then to hire an attorney because this is NOT right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXXXXXX XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter.

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