vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I applied for a loan on XX/XX/XXXX. 

The company did a soft pull and offered a loan to me. 

I submitted the loan application and it was denied and a hard inquiry was applied. 

The company deceived me into believing that I had an offer the same way XXXX XXXX deceived millions with fake pre-approvals. 

I contacted the company the same day and requested a supervisor to have it removed. I was advised that they will call me back in XXXX hours but they only called once on Sunday ( XX/XX/XXXX ) when I was away from the phone then sent an email stating the issue was resolved and there is nothing that they can do because I agreed to have the credit pulled when I selected the the box in order to get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received emails and letters saying that my account was closed in XXXX, I still have money in my account, and I have not received the balance check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Requested up-to-date credit reports from XXXX, LexisNexis, XXXX & XXXX. Information incorrect & affecting personal & business insurance pricing, credit, etc. Some sent new reports stating they " fixed '', but never did! USELESS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-25 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank ( HNBHSC ) have sold my credit report to XXXX third party collections without my authorization and consent. Huntington bank has filed this debt as income so why am I responsible to pay debt from a third party collections when this company shouldnt have my credit report. This is a crime being committed Huntington bank doesnt have the authority to commit. I contacted Huntington bank XX/XX/XXXX I was told my information was sold to a third party collections named apelles in the amount of {$370.00} but on my credit report its being reported paid each month until XXXX in XXXX, but as of XXXX XXXX, XXXX, and XXXX its being reported as data unavailable far as the payment. This is affecting my credit report and score the reporting is inaccurate it reports 1 late payment which is a derogatory account but it shows many months data unavailable which is inaccurate. The status on this account shows paid ; or paying as agreed also past due amount it shows {$0.00} so how am I owed debt in the amount of {$370.00} I ask that the CFPB review this information and remove this inaccuracy from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
" I am filing this complaint against Resurgent Capital Services for multiple violations of federal debt collection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Failure to Validate the Debt : I made multiple formal requests for debt validation under 15 U.S.C. 1692g ( b ). Resurgent failed to provide proper validation, such as a copy of the original signed contract or proof of the current owner 's right to collect the debt. Instead, they provided insufficient documentation, such as account summaries and transaction histories, which do not meet the legal standard for debt validation.

Improper Transfer of Alleged Debt : After my validation requests, Resurgent transferred or sold the alleged debt to third parties ( XXXX XXXX XXXX and XXXX XXXX XXXX ). I subsequently requested validation from these parties and informed Resurgent that such actions violated the FDCPA 's prohibition against collection activities until the debt is validated.

Reinitiating Collection Activities : After the accounts were transferred to third parties and I flagged the violations, Resurgent resumed attempts to collect the debt directly, without resolving the prior validation issues. This constitutes an additional violation of 15 U.S.C. 1692g ( b ), which prohibits any further collection efforts until the requested validation is provided.

Reporting of Unvalidated Debt to Credit Bureaus : Resurgent continues to report these alleged debts to credit reporting agencies despite failing to validate the debts. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) of the FCRA, which require that all reported information must be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Subject : Complaint Regarding Credit Acceptance 's Refusal to Provide Original Agreement Dear CFPB, I am writing to file a complaint against Credit Acceptance regarding their refusal to provide me with a copy of the original agreement for said account. I requested that this document be sent to the address originally on file with them, but my request was declined.

This document is crucial for my records and to resolve any discrepancies. Despite my efforts to obtain it, Credit Acceptance has not cooperated.

I kindly request your assistance in ensuring that Credit Acceptance provides the requested document and addresses this issue promptly.

Thank you for your attention and assistance.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Requested and was approved for Citi AAdvantage credit card XX/XX/XXXX. 
Received physical card in the mail XX/XX/XXXX. 
Attempted to activate XX/XX/XXXX. While frustrating and difficult, was ultimately successful. 
Used card for two days.

Currently unable to use card as it has been locked for fraud.

When I login to my online account, Citi tells me to call them.

When I call, Citi tells me they are unable to help me.

Have tried to contact them multiple times and requested escalation to someone who can help with this issue but Citi is unwilling or unable to take action.

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 2024-11-25 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my knowledge or authorization.

Accounts to Be Blocked and Deleted : XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$8.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$87.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XX/XX/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 2024-11-25 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: OH

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-11-25 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: IN

Complaint narrative:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

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 2024-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report for {$1600.00} no account was found in the system has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2024-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report for {$1600.00} no account was found in the system has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX RADIUS GLOBAL Amount : {$1200.00} Opened : {$1200.00} Re : Fraud/ Aggravated Identity theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you RADIUS GLOBAL 's attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

RADIUS GLOBAL is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you RADIUS GLOBAL is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by RADIUS GLOBAL for the accounts opened ( XX/XX/year> ). 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you RADIUS GLOBAL into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 
Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved

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 2024-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority
State: ME

Complaint narrative:
My daughter took out four private student loans through Mefa. Each application she applied as primary borrower and Mefa had me, her father, sign in and sign as Co-Borrower. They approved all her applications. The loan Agreement also shows her has Borrower and me as Co-Signer. Mefa uses XXXX XXXX XXXX ( XXXX ) to service their loans. When this company reached out to me listed as primary and my daughter as Co-Signer. The refuse to correct this and indicated this is standard process. They send the bills to me and send a letter to my daughter saying she co-signer and they reached out to me. I am not sure how they legally can do this- I never agreed to be primary and none of the loan agreements supports this. Please help. They are rude and refuse to help. I am loan Application so you can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
The following accounts are the product of identity theft : XXXXXXXX XXXX {$2100.00} XXXX XXXX {$3200.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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