vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Received email from Jefferson Capital Systems , LLC dated XX/XX/2024 at XXXX, advising of a debt that I do not owe. The email included fabricated and fraudulent information and dates. I have not had a relationship with the claimed vendor for at least 15 years, fact that if the claimed debt were valid, it would have surpassed any and all possible statute of limitations in the state of Florida. A dispute letter was mailed to the shown address shown on the email, Jefferson Capital Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, on XX/XX/2024, two weeks before the requested due date for a response, XX/XX/2024. The dispute letter was very specific in requesting any and all information, original dated invoices from the claimed vendor, transactions, payments, etc. that would clearly show and support the claimed owed amount. Follow-up phone contact was made on XXXX, even though the email did not have any telephone number to call and they reference their being contacted by phone, but no number. Laughable and so typical in this line of business. The call was made on or about XX/XX/XXXX or XXXX to advise of forthcoming letter. My call was met with outright aggression, derogatory comments about my person and insinuated threats as to the so-called consequences of my failure to respond. Despicable and disgusting and a total unwillingness to note the account with the information about the letter. Further, another follow-up letter was mailed on XX/XX/XXXX with a copy of the XX/XX/XXXX letter and no response. They have had the audacity of opening a so-called new account now shown in my credit report in the claimed amount due. They are a total undesirable, disrespectful and despicable entity that needs to clean up its act as I will take any and all actions and/or legal recourse to ensure they are taken to task and that the fraudulently fabricated and claimed amount is removed from my credit report. Further, I have sent them a cease and desist letter advising them to only contact me in writing only to my known mailing address. No emails and no phone calls. This is also being reported to the State of Florida Attorney General 's office for warranted action on this unscrupulous entity. I may be contacted by your organization only to answer any and all questions you may have, however, I do not want any communication from them that is not in written form mailed to my known address. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.

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 2024-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2023 I had my phone wallet, all my passcodes PIN numbers, house keys, car keys, stolen all my accounts compromised, and my accounts emptied out. The day of the incident, I called the police because I was distraught and I was XXXX, because somebody stole everything while I was asleep, woke up to all my things gone, when I started tracking them from my XXXX they then reset my XXXX from my XXXX and changed all my passwords. Meanwhile emptying all my accounts, when the police came, they told me they could t help me retrieve my things in that moment there was nothing they could do, so I end up not filing a police report on that day. That night I found the person. And he only gave me one of my keys back, none of my debit or credit cards. Gave me my wallet empty with only my ID and my social security card in it. My laptop and phone .. he then came back three days a few days later and stole my car, which I called the police again, and then filed a report, all of my items were included in this report, and I have explained my situation to chime numerous times. Even calling them the day after once I got my phone and such. They refuse to dispute my charges that were unauthorized, saying there was no error, they do not have somebody you can speak with, and now they wont reopen my dispute. I gace sent them evidence of conversations I had with people the day it was happening, that I got on my computer and was trying to find a ride or something to go find my things. I was literally XXXX because he had my phone changed all my passwords locked down my XXXX, my book of passcodes and PIN numbers had my wallet, house keys, car keys, and my laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B

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 2024-04-01 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B

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 2024-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Last week I sent TransUnion a letter asking for the support of the FCRA 605B law. I sent an Identity Theft Report and Police Reports to the credit reporting agency.

They have five days to remove the identity theft trade line from the credit reporting system.

I had to wait 30 days for the credit report to advise me that they would not be removing the identity theft accounts and the massive amount of fraudulent inquiries. 

I had to go to the lawyer for counsel for this matter because I have to sue for damages pain and suffering.

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 2024-04-01 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX BEING CHARGED DOUBLE ON MY CREDIT WITH THIS ACCOUNT AND THE COLLECTION ACCOUNT XXXX. XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
purchased a food truck on XX/XX/XXXX through XXXX, and it was supposed to be delivered to me on XX/XX/XXXX. I reached out to the seller several times, and he told me that he will send me the title in the mail, but he only sent me a letter stating that the title will be in the mail next shipment. I reached back out to him and he said he sent the food truck, but he was only using the letter for a tracking number from USPS to provide XXXX with a tracking number, so XXXX would think he sent the food truck to me. I never received the title or the food truck. I spent {$10000.00} only to receive a piece a paper in the mail, stating, I would receive the title within next shipment, that I never received, nor did I receive the food truck.I reached out to pay pal to reverse the payment and they said the wasn't and for me to deal with XXXX because they don't deal with vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I tried to reapply to the Sofi XXXX reduced repayment program on XX/XX/24. I signed and submitted everything i needed. The cut off for applying was XX/XX/24. My co-signer never got their end of the application until XX/XX/24. Not in their email inbox OR spam, nothing until XX/XX/24, effectively making it impossible to apply. Due to this i have to pay {$300.00} in the cool off period which is 12 months. I am unemployed, that was the reason i applied for this in the first place. I asked to have this looked at and submit a form to have the lenders look it over and look at the facts. They denied it and said it was at their discretion. This was very sneaky, and deceitful for a business to do. I am left with no options of repayment on this loan as i did before i am unemployed. Whats the point of the reduced repayment plan if they will move the goal post last minute?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAK CAP is alleging I owe a debt but I legally have no obligation to pay this debt because this debt was purchased but not lawfully assigned. Any secured creditor that has an interest in any allege debt must enter a lien into the XXXX system to hold assignment of the debt upon the books. I searched my name and there is no lien in the system to show assignment of this debt therefore they can not collect because it would be an illegal transfer. Furthermore transfer of an instrument does not give you full rights to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely.

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 2024-04-01 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: FL

Complaint narrative:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely.

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