vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Bank is : XXXX XXXX XXXX  Account XX/XX/XXXX I XXXX XXXX XXXX that the Retail Installment Contract # XXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did XXXX have knowledge of the said Collateral. 
I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which XXXX hereafter be instituted in connection with he matter of the Affidavit. 
FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.

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 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
CHIME WHEN MAKING TRANSFERS WITHIN MY OWN ACCOUNT SHOWS {$8600.00} DEPOSITED {$300.00} PURCHASES {$2200.00} ATM WITHDRAWS ( FRAUDULENT AND DISPUTE DENIED ) {$5500.00} AJUSTMENTS ( I CANT GET AN EXPLINATION FOR ) ALL FOR XX/XX/2023. From XXXX TILL TODAY. MONEY IS DISAPPEARING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
Per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, XXXX, and Transunion are the credit reporting agencies and I am the Consumer. So, since I am the consumer I have the given right to make sure my private information isn't shared per 15 USC 6801 and just to give a brief summary it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done ( 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per 15 USC 6801 and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX XXXX that's reporting different amounts which is not accurate, Another Charge off is XXXX XXXX XXXX  And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The Family Educational Act of 1974 the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per 15 USC 6805, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.

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 2024-04-20 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: FL

Complaint narrative:
Per the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, Equifax, and XXXX are the credit reporting agencies and I am the XXXX. So, since I am the consumer I have the given right to make sure my private information isn't shared per XXXX XXXX XXXX and just to give a brief summary it states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per XXXX XXXX XXXX and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX Main that's reporting different amounts which is not accurate, Another Charge off is First XXXX XXXX. And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The XXXX XXXX XXXX of XXXX the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per XXXX XXXX XXXX, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I HAVE SEVERAL INQUIRIES AND ACCOUNTS THAT WERE PLACED ON MY CREDIT REPORT THAT WERE FRAUDULENTLY APPLIED FOR AND OPENED IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I took a loan out in 2020, because I was out of work from XXXX. I'VE NEVER MISSED A PAYMENT. They won't let me refinance I still owe over half the loan. I'm struggling to pay it and try to work with them, but nothing. The company is one main financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-04-20 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-04-20 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681.

All Accounts : Has Violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the 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.

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S.C 1681b. Permissible purposes of consumer reports...

( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or

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 2024-04-20 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: NY

Complaint narrative:
This account is showing XXXX different open dates a cross the bureaus on Transunion it is showing XX/XX/XXXX, XXXX XX/XX/XXXX and on XXXX XXXXThe high balance on Transunion is {$370.00}, the high balance on XXXX {$0.00} and the high balance on XXXXXXXX XXXX XXXX.On Transunion the Credit limit is {$100.00}, on XXXX it is reporting as {$100.00} and on XXXX it is report as XXXX XXXX.Last reported Date on transunion is XX/XX/XXXX, on XXXX XX/XX/XXXX, on transunion XXXX.The last active date on transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. On Transunion shows no date of last Payment, XXXX shows no date of last payment, and XXXX shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both XXXX and XXXX.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Transunion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX  Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof

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 2024-04-20 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: GA

Complaint narrative:
This Complaint is against XXXX XXXX XXXX XXXX for a Fraudulent Credit Inquiry which remains on my TransUnion Credit File. This inquiry has been noted as Fraudulent, and XXXX responds that this Fraudulent has been masked, whereas only certain people can see it. However this is a Fraudulent inquiry, and it was placed on my Credit File by XXXX XXXX XXXX XXXX. I need this Fraudulent Inquiry totally and fully removed from my Credit File, whereas it can no longer be viewed by myself nor anyone else. I had no part of this Fraudulent Inquiry before it was placed on my Credit File.

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This Collection agency is not licensed to collect debt in the state of Illinois where I reside.

This alleged debt has passed the statute of limitation to collect in Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt in collection by your agency, Cavalry Portfolio Services , as it appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question.

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request.

Please provide the following information to validate the debt : XXXX. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance. 

XXXX. A copy of the original purchase agreement between Cavalry Portfolio Services and the original creditor, XXXX. 

XXXX. Proof that Cavalry Portfolio Services is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter.

Please note that I dispute owing any debt to Cavalry Portfolio Services or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately.

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: VA

Complaint narrative:
I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts 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  ADDRESS My only address is XXXX XXXX XXXX XXXX XXXX XXXX Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Bread Cashback American Express Credit Card are the worst handling rightfully credit card charges dispute.

They are incompetent and rude. They have my evidence presented to them and are playing hardball towards my refund of {$600.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
I set up a payment plan to settle the debt. Before my last payment of {$2200.00}, I received confirmation over the phone and by email that the collection would be removed from my credit report after my last payment which was made XX/XX/2024. I've attached the settlement offer email clearly stating this. The most recent times and dates I called NCB Management on a recorded line - specifically XXXX XXXX on the phone are XX/XX/2024 at XXXX XXXX and XX/XX/2024 at XXXX XXXX and the settlement offer email was from XXXX XXXX .

I saw that the collection on my credit report was updated to " paid '', not removed as promised. I disputed with the credit bureaus and it still wasn't taken off. They have committed fraud by not honoring their verbal and written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-20 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation