vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I am writing to report a phishing attempt made by NetCredit that I suspect is trying to obtain my personal information fraudulently.

XXXX XXXX XXXX XXXX - I received an email stating that I was being denied a loan I did not apply for. The email was from XXXXXXXX and said that my loan application with NetCredit was denied. The email also included my full name, current address, and recent credit score. I checked my credit report and saw that there was a soft credit inquiry from NetCredit but no hard credit inquiry. I went to their website and did a "Forgot my password" with my email address and was able to login to the aforementioned account and change the password. I then emailed XXXX to say, "I received an email declining my loan application. I did not apply for this loan. I was able to get into the account and change the password, but I would like this account deleted as I suspect fraudulent activity." 

XXXX XXXX XXXX XXXX - I received a response from XXXX: "Thank you for contacting NetCredit. This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud.  We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. Please be advised that before we can address this issue, you will have to file a police report with your local authority.  Please notify your local authority to include your bank account information in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well.

Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days.

Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at XXXX XXXX."

I have not applied for any loan with this company and their request for bank account information seems suspicious and potentially fraudulent. To protect myself from potential identity theft or fraud, I have not provided any information to them. In light of this incident, I request your guidance on how to proceed further. I have preserved the communication I received from the payday loan company and can provide it if needed.

Please let me know if you require any additional information or if there are specific steps I should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: MD

Complaint narrative:
This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: NY

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank You.

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 2023-07-24 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I dont understand what my personal information should be shared with a third party ( collection ) which I dont have to share my information with, my social and address, phone number and thy have all my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24 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: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XXXX, XXXX 2023, I, " " paid in full a previous balance of {$590.00} directly to XXXX for the purpose of resolving a outstanding debt to XXXX and to have my credit report to reflect paid in full by debt collector Jefferson Capitol Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) ( XXXX ) XXXX I called Jefferson Capitol Systems directly to advise that my debt to XXXX was paid directly to XXXX. Jefferson Capitol Systems attempts to force me to pay the debt twice before correcting my credit report. 
Whereas XXXX was paid directly, Jefferson Capitol Systems is not entitled to a duplicate payment of {$590.00} resulting in combined payment of {$1100.00} for the single debt of {$590.00}. 

Jefferson Capitol Systems continue to refuse to update my credit report although the XXXX XXXX is paid in full and is verifiable through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known

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 2023-07-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments when I called spoke to a rep explained that due Covid-19 I experienced economic hardship. Capital One advised that I would not be reported as late but rather in a Covid-19 protected status. This violates my rights as a consumer as there is a law that protections consumers that have been negatively affected by Covid-19. Capital One is reporting fraudulent information which is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX BANK XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 2023-07-24 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple disputes to the credit bureau of incorrect spelling of my name to be removed from my credit report. They continually send stall letters. 

I have also sent multiple disputes asking them to remove an address from my credit report that I have NEVER lived at. Again, they either ignore it or send a stall letter. 

I've contacted XXXX, Equifax, and XXXX. They are the ones ignoring my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The collection agency In Question is XXXX. I called and was told that I didnt have an account with them nothing could be found I called back a second and third time to be for sure cause this creditor is not on my other XXXX credit reports it is only on experian after calling XXXX i I found that experian sold my information to a debtor whom Ive never had a contract with that debtor sold it to another debtor experian is involved with this process because I have complained numerous times and they keep putting items on my credit report that is not acceptable or accurate. The debtors are receiving money through income tax write offs and playing double jeopardy by selling consumers information to third partyvl debtors that I donot have a legal binding contract when I made the initial complaint about experian retaliating by blocking my info to a mortgage lender experian purposely input incorrect information listing my daughter as my spouse?????

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 2023-07-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: AL

Complaint narrative:
sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known

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