vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: UT

Complaint narrative:
Trans Union file number XXXX, XXXX XXXX  needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged 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
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX file number XXXX, XXXXXXXX XXXX needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged 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 explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
Approved for removal sec XXXX of school closures XXXX XXXX filed XXXX disputes. Submitted documentation. Also received approval on XX/XX/XXXX. Trade line of debt to be removed from credit bureaus. Debt discharged. Transunion. Will not remove. Have documentation

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 2023-03-02 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: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX XXXXXXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical  XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OH

Complaint narrative:
Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

OHIO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 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 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.S.C 1681s-2 ( A ) ( 1 ) A person furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Radius Global Solutions, LLC, for committing identity theft. I have never given Radius Global Solutions, LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Radius Global Solutions, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Radius Global Solutions, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Radius Global Solutions , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Radius Global Solutions, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Radius Global Solutions, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Radius Global Solutions, LLC, continues its collection efforts, I will file for litigation for actual damages caused and Radius Global Solutions, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-03-02 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: MI

Complaint narrative:
Bankruptcy is showing on my credit report which is a violation of my privacy and I would like it to be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MI

Complaint narrative:
Bankruptcy is showing on my credit report which is a violation of my privacy and I would like it to be removed from the 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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX flight with two different airline companies providing each direction. I had to cancel the flight and received an airline credit for each airline. I received an email for each flight segment with a locator code indicating that I could use my flight credit within 1 year. The email did not contain restrictions. When I called XXXX to rebook the flight they indicated that I now had restrictions. I was the promised by XXXX that i would be able to access my new flight via their website, so i followed their instructions ad created a log in and after hours spent on their site i was unable to locate any flight booked for me. 

I filed a dispute with capitalone on XX/XX/2022. The next notification I received let me kow that they had not received documents related to my dispute and were closing it. I called up ad they reopened the dispute, one month later they closed the dispute again, I called the third time and the agent told me my dispute was closed because i had never submitted documents. I replied that i had never received the mail from capitalone and the agent said that i could only access my dispute files by downloading the capitalone app. I let him know that I was never informed of this new requirement and the agent said all their agents are trained to inform customers to access dispute files via the app. He then stated that because I did not have paper billing that is why i had never received the mail, so i switched at that moment to paper billing. I subsequently returned the documents via fax and received a later email from capitalone that i had never returned the documents. To further complicate matters, When I called the airlines for resolution they said to contact XXXX, when i contacted XXXX  they said i needed to work directly with the airlines. I utilized XXXX because there was a card holder incentive to purchase via that vendor in order to receive cashback. Ultimately I am out of pocket for the {$360.00} for the XXXX flight and {$290.00} that XXXX said today XXXX that i would have to contact the airline to see if they would honor the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NE

Complaint narrative:
This debt is from nearly 10 years ago and is way past the statute of limitations for debt collection. I have not had any accounts with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-02 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: AL

Complaint narrative:
On XX/XX/XXXX, I contacted Chime regarding fraudulent use of my debit card and I also reported it stolen. They claim to issue me a new one, I have not received it yet - My first 3 transactions which totaled close to XXXX was denied- for no reason whatsoever. Everytime I call to check the status of my claim- I am told different lies by different people claiming to be Supervisors. 
I was also told while my claim was being investigated that I would receive a provisional credit for my loss of money and that was also a lie. 
My dispute claim numbers are XXXX And XXXX. 
I was denied on XX/XX/XXXX. 
This has affected me and my family a great deal and placed us in a huge financial burden while all this time - Chime and its employees lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about XX/XX/2023, I tried to get a copy of my Transunion credit report from the Transunion site. I received an error saying they could not get my report. Then I tried on XXXX and again, I could not get my Transunion credit report. 

I called Transunion and spoke with a customer service rep who told me my credit report is " mixed '' and that someone would call me within 3 days to correct the situation and provide a report. I also was given a XXXX number : XXXX. I have not received any phone calls so I can access my 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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Payment of {$1500.00} was made and received on XX/XX/XXXX. The card issuer as of XX/XX/XXXX, has still not applied the payment, despite it coming from my checking account at a credit union. They claim their algorithm does these holds to watch for fraud, but given the actual circumstances, that does not make any sense. No one at the company is able to override the decision and Im stuck in a foreign country with no money until funds are released. They claim no interest will be accrued in the meantime, avoiding a TILA violation. What right do these companies have to hold legitimate funds of working ppl for an undetermined amount of time? Poor ppl having money in the bank is suspicious, so they have a right to keep it until they feel better?? Unbelievable. Why doesnt CFPB provide protections for low income ppl in these scenarios? We are out here starving while major banks are making money speculating on funds they are withholding from poor ppl.

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NE

Complaint narrative:
They have reported a debt to my credit report that is not mine. The company was also harassing me and I told them the debt was not mine. They said they were investigating and I never heard back. In the meantime, this debt that is not mine is harming my credit and repenting me from purchasing a house. 

Debt is for {$XXXX} per my credit report

Company response to consumer: Closed with explanation