vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have received a XXXX XXXX from a monitoring site. XXXX to an address that was linked to my credit report that I have no recognition or any knowledge about this address. 

Alert Date : XX/XX/2024 Source : Trans Union A new address has been reported in connection with your credit file. If you have not recently shared this information with a creditor, contact customer service to investigate. 
Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this investigated and removed from my credit profile and account. I am not nor have I ever been associated with the above address.

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 2024-03-04 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: CA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
On today XXXX I was at work and I received a phone call from XXXX requesting payment on my account. I just spoke with XXXX on Friday XXXXwhen she called my personal phone telling her I will make a payment on XXXX and I also told her I was at a funeral and I had to go But I will reach back out to them on XXXX. I told XXXX that I have made several request not to be contacted at work and that I am not allowed personal calls she stated " When I called your phone number it said your number has been disconnected " I told her my number is not disconnected and I told her to hang up and call me on my personal phone. I called her back because she never called me, I then called her back on my personal phone and she accused me of blocking the number. I did not block any number and it still stands that I DO NOT WANT TO BE CONTACTED AT WORK!!!! Something need to be done I am reaching out to you as to what is the next step because she was aware I was not to receive calls at work and she called any way. Maybe it is something wrong with they're phone, she should not assumed I blocked her calls, she do not have my permission to call me at work and she need to be handled for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collections Services placed a hard inquiry on my credit report indicating that I opened a new account. I never opened an account with this company. I mailed a validation letter around XX/XX/

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 13. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 14. XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or XXXX permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2024-03-04 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: CA

Complaint narrative:
I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date :XX/XX/2026 11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 13. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  14. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax or XXXX permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to Equifax and XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
Upon checking on my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis Credit Management contacted my workplace on three separate occasions, attempting to collect a debt that I do not owe them. I have never received correspondence from this company that verified this debt, provided the original contract concerning this debt, or proof of my entering an agreement with them. They are reporting a collection on my credit report, and I would like it removed, as they have not verified the debt. 

They have violated the law by contacting my place of work on more than one occasion. My manager has notified me, and the HR director, and the director of finance have all confirmed they received calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-04 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: NC

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-04 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 66 {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!!

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Webster Bank has an online " Bill Pay '' service that I use. They sent a vendor that I pay bi-monthly double payments instead of just the 1 payment I requested be sent. They did this multiple times even though I went online and checked to see that I had not accidentally submitted the payment twice... I had not. When I called to inquire about the double payments, I was told nothing could be done. I was informed that I could not speak to a manager because no one was available. I asked to have a manager call me back and I was told they do not make call backs. The representatives said that he would submit a claim as a solution. He could not verify that the double payments would not continue to happen nor provide a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
There was inaccurate information reported to XXXX by XXXX. RTN/ACCT # : XXXX. XXXX advised me that information was deleted & updated to XXXX but information still remains & it's causing my financial hardship not being able to open any new accounts.

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 2024-03-04 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Ive tried to contact XXXX XXXX the original claims support manager about my account, she isnt answering or responding to any voicemails I leave. I had an account reported to collections as a bad debt due to Kia not providing myself of the collection agency with the information we needed to understand how I still had a balance after my car was totaled loss and paid off by my insurance/ gap company. I originally was not avoiding my debt but was trying to understand where the balance came from and in between all of that we have never received any information requested from Kia, meanwhile Kia reported to my credit as a bad debt and that was never the case they failed to provided me any information so I can pay this loan on. I settled this debt with Kias collection agency on a settlement amount and Kia still has on my credit report as if I owe them. Which I dont. 
I can be contacted at 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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I took a look at my credit report and saw there were XXXX hard inquiries that i did not approve or apply for which violates my consumer rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not in initiated by a consumer and i want these removed because they have a negative impact on my report and is stopping me from getting lines of credit XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime financial return my direct deposit without any explanation very poor customer service every different person was giving me deferent explanation, they mentally and fanancialy abused me, left me without any money I have no money to pay rent and to buy food! I have to wait other XXXX weeks for the process to get my money back I am facing aviation becouse of Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records . 

Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Experian Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to 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
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a student, which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, student loans ect.

Company response to consumer: Closed with explanation