vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND FUNDING LLC filed a suit in XXXX. I objected and disputed their complaint with XXXX XXXX XXXX. I told them to cease and desist with communication but they persist. The court gave a judgment where I was not given due process, which is a void judgment. Then I recieved a letter dated XX/XX/XXXX from XXXX XXXX. XXXX attorney with XXXX, XXXX & XXXX, XXXX Attorneys at law saying I must answer their questions. If I do not comply it may result in my arrest and incarceration. I mailed my objection and a copy of the answer to the suit and still no contract between myself and MIDLAND FUNDING LLC. I received another letter dated XX/XX/XXXX another void judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: DC

Complaint narrative:
I have several unauthorized inquiries on my credit report. I have not applied for or authorized access to my credit report, and much of the inquiry info is wrong, unauthorized, and more. 

I'm also aware that my credit report and personal data have been detected on the dark web and in credit leaks.

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 2024-09-16 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: RI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I received a notification on XXXX that my SoFi account ( checking and saving ) was restricted without given an explanation and was given a number to contact SoFi. I contacted them on on XXXX to inquire and have not been given any information regarding the restriction nor timeline when the restriction would be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same incorrect numbers back on My credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-16 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: Regional Management Corporation
State: TX

Complaint narrative:
Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation. I just put the same incorrect numbers on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
There were XXXX unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by XXXX and CB INDIGO i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible : Account Name : XXXX, XXXX When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XX/XX/XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount NumberXXXX

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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive tried contacting the company through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same incorrect numbers back on 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX Account name # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name ; XXXX XXXX  # XXXX, Account XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX  ( original Creditor XXXXXXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name : XXXX XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  : ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, has violated my rights . 15 U.S.C 1681 Section 602 A. States I have the to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I teceived XXXX text messages from Radius Global Solutions, a company I have never done business with. Instead of clicking in yhe links in the text, for fear of phishing, I googled the company and called. The rep looked up my phone number, but had an incorrect first name XXXX which is not my name. I asked who their client was or what the name of the company was, because in yhe past 6 months, I had several fraudulent accounts surface. He then proceeded to ask for personal info like XXXXSSI and because I would not provide that he refused to provide the creditor info alleging that it was against their practices. I advised that it is also against the FDCPA to refuse to provide it. I advised that I would be filing this claim because I am unsure if they are scammers to spite seeing on XXXX that this is supposedly a legit company. I have no collection accounts. I am a collector myself, so I am unsure why this company with these foreign people with thick accents that obviously do not follow FDCPA contacting me. They also did not give the mini-miranda. I spoke with XXXX  representatives, XXXX  when I called, the other an alleged manager.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. I have never opened an account with you guys. I have filed a complaint with the ftc as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$790.00} Date opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX 2020

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 2024-09-16 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ID

Complaint narrative:
I use Chime bank and went to an XXXXXXXX XXXX machine at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). I was withdrawing {$400.00} cash to pay my bills. When I received my funds I had only received {$240.00} cash instead of {$400.00} ( {$160.00} difference ). I thought maybe it was an ATM issue and they didn't have all the funds. I checked my account and I was still charged {$400.00} I called immediately in the parking lot of XXXX 's and told my bank ( Chime ) of the issue. The gentleman on the phone said I had to wait until the transaction was not pending to file a dispute. I was reluctant but I did that. I called back filed a claim. I feel as though they didnt try to get necessary information to file my claim. Over the phone The gentleman really didn't want to help me and I feel as though I personally was leading the process of filing the claim. My claim has since then been denied. I feel as though XXXXXXXX XXXX fraudulently took my money and Chime is not investigating properly or at all to see that I did not receive the correct funds. In XXXX years this is the first time I have ever received the incorrect amount at any ATM. I filed a second claim but again no information taken. I also asked why my first claim was denied and was not given a reason. My next step if this doesn't work is filing a police report. Its theft at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: OK

Complaint narrative:
I held a mortgage with US Bank for XXXX XXXX years in good standing. Toward the end of the note, my husband ( whom I was a non-filing co-debtor with ) made some poor choices financially and had to file a XXXX XXXX XXXX that DID NOT include our mortgage. US Bank took the account ( XXXX ) completely off MY credit report, even though I had XXXX involvement with the XXXX and the mortgage was not included in the filing. When I contacted them to inquire about it, they gave me a very non-specific response involving ensuring they follow bankruptcy guidelines so it felt like I got nowhere. I contacted them again after the non-specific letter was sent. They stated they would reinstate it on my credit report once we paid it in full. The monthly payments the entire life of the note were never missed and the account was paid off in full on XXXX, however, this is XX/XX/XXXX and the account has not reflected back on my credit report as a balance paid in full nor was any of that history of good payment reflected back on my credit report. Their actions of taking it off in the first place negatively impacted my credit score and I have been trying ever since to get it recovered. This entire situation is unwarranted and completely unfair given my circumstance.

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently Checked my credit report, and I found those Charges on my Credit report. Please delete them because they hurt my ability to obtain credit.

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