vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted disputes with Equifax. They have sent multiple letters stating that they can not verify my identity. I have sent in the requested information to verify, and they have continued to mail me the same repetitive letter. I am attaching the letter they're sending me and I will also attach verification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XXXX XXXX ran my credit without my consent. ALLY FINANCIAL ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
XXXX XXXX ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. ONEMAIN FINANCIAL continued my application when I didn't process it from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate Sears Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under Shell CBNA on XX/XX/XXXX in the amount of {$600.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under La Curacao on XX/XX/XXXX in the amount of {$1000.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After reviewing my credit report, I found this item still in my report. Your investigation did not fix error on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: DE

Complaint narrative:
The Sofi Money Checking & Savings account are frozen and were done so without notice. I contacted Sofi on XXXX.2022 via telephone which resulted in being transferred twice, ultimately ending up at a voicemail box of the security department with no resolution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXl : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I, the consumer and natural woman, was denied housing and credit by several companies due to the inaccurate and unverified information Credit Collection Services are furnishing onto my consumer report. Credit Collection Services is reporting onto my consumer report, the status of account XXXX is open via XXXX XXXX This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. 
The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. 
This mishap has ruined my reputation, and adversely affected my credit worthiness. XXXX, XXXX and XXXX assumed this role and assumed this information was valid. These credit reporting agencies failed in the initial investigation of this information. Which is a violation of my consumer rights. 
This account needs to be investigated and deleted from my consumer reports. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
Issue with Chime app/the XXXX  XXXX  Date:XXXX Amount : {$90.00} I sent the amount of {$90.00} through Chime app to one of my contacts ( this is the second time making a payment for this specific person/contact number ).

The recipient claimed he didnt receive the money. I checked my emails and had emails from Chime under the name of a different person ( not even on my contact list ) I called Chime and the representative I spoke with confirmed the money was sent to the wrong person due to a system error, but although it was an internal mistake, they still didnt refund me the amount nor attempted to resend to the correct beneficiary, instead they opened a dispute claim # XXXX. 
A few days later I received a denied dispute email from Chime. 
Meanwhile I got harassed due to the fact chime failed to send my payment to the right person, Later had to resend the same amount this time using XXXX  and my {$90.00} are nowhere to be found and Chime doesnt seem to be able to explain where did my money go

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Social Finance, Inc.
State: DE

Complaint narrative:
On XXXX I received notice via email that Sofi sold my bitcoin holdings held with them. I did not request this. I do not owe them money. The assets were not on margin. They sold them at a loss, incurring harm to me and causing an undesired tax effecting event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
previous XXXX compliant No form of verification was provided to me. These account must be deleted because i know you dont have my original signature on anything. This is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I recently obtained copies of consumer report from both Lexis Nexis and XXXX XXXX. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that Lexis Nexis and XXXX furnish notification of the deletion of all disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not believe that an investigation was done because there is still a late payment reporting for XXXX  XXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not believe that an investigation was done because there is still a late payment reporting for XXXX XXXXXXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and noticed some hard inquires that I do not recognize. 

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I recently obtained copies of consumer report from both XXXX XXXX and Sage Stream. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that XXXX XXXX and SageStream furnish notification of the deletion of all disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief