vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
After pulling my credit report on XX/XX/XXXX I noticed an account ; XXXX XXXX XXXX XXXX on my credit report. I have no knowledge of this account & have been victim with 2 data breaches that have resulted in identity theft. I've called multiple times to get this account closed & deleted from my credit report with failure or no response from the company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up. I have reached out to XXXX, XXXX XXXX XXXX to delete this account which have referred me back to the original furnisher. I have spoke to several customer service representatives whove all refused to assist myself or properly investigate this situation & unable to even locate an account with them but yet to continue to report on my credit report monthly. Ive requested multiple documents, information to assist my case with no response. On XX/XX/XXXX I received an email from a company named Radius Global Solutions reference XXXX XXXXXXXX to an alleged debt I have no affiliation with. I have attached a copy of my original FTC affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-19 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
Toyota financial Gap insurance claims they guarantee auto loan protection. They refuse to pay off the insurance deductible. I have talked to them several times. They refused to pay XXXX XXXX XXXX XXXX the complete {$2500.00} deductible. My credit is being ruined because of it. The account number with XXXX XXXX XXXX XXXX is XXXX. 

XXXX is the vin You can use with Toyota financial Gap services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
According to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Without fail, I've maintained timely payments on this account, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections are necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: OH

Complaint narrative:
I do not have specific dates, for it has been so many. For awhile things were looking good and inaccurate debts were removed from my credit report. However, the activity has started back up again. When I try and dispute anything, they do their investigation, with no involvement on my part. Then, they always side with the debt collection companies. I am never questioned, nor shown their evidence as to why they voted in favor of the debt collection company. I know my rights under Maritime Law. I know my body is traded on the stock market ; that I am owned. I know, I could claim that stock at any time if I fill out the proper paperwork correctly. I am just trying to get by and maybe ahead in this world. This system is designed to keep creative people who just want to be left alone to suffer financially to these blasphemous sharks who make up debt withholding under fraudulent conditions. My score finally began to rise and they find a way to take it down again. I do not even know how these companies come up with these in the first place. I received a letter in the mail the other day saying I never paid back a payday loan and Ive never received a payday loan in my life. They claim I closed a bank account which I never had and couldnt even get a bank account until a few years ago. This is just an example I am giving you, because this is the type of company that the XXXX major credit reporting agencies always side with, and I have no idea, because it has never been proven that these debts are mine. They are even saying I went to XXXX. I know nothing will be done, and you are probably part of the XXXX  that does not have the protection of people in your interests, but I have a right to speak up. The only solution, I can think of to do, is stop trying to participate in this system any longer. I just wanted to raise my score to be able to help my family in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called this morning to get a status on my fraud claim XXXX for 3 transactions that I was not part of. The first representative told me that the claim has been accepted on XX/XX/XXXX and I was all good and that bank did not need anything else from me. I then received a physical letter in the mail requesting to sign fraud and forgery form. I called again to confirm if form was still needed and was met with hostility by the agent. He told me that they dont have any claims in his department and told me that investigation is ongoing. I let him know that I was told otherwise, but he did not care. I did submit a police report already. I am trying to actually figure out where this fraud claim stands because I did not buy anything off XXXX worth of over {$5000.00}. But also expect to be treated with respect : I would want somebody to review my second call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CT

Complaint narrative:
I already came to your company early this morning concerning this matter with Lexus Nexus. After further research today, I find that my in accurate information is found on. Accurint of Lexus Nexus. They will not fix it. They are waiting for my information to be provided to them by any or all vendors who may reach out and provide my phone number by chance. 

I spoke to Lexus Nexus support and found out that my information which is on an unverified account is being used by there company Accurint. And they will offer no solutions for me The current case number that I filed is XXXX. 

Same case just new information which XXXX sure your company is very aware of as they are all over the Internet as far as people having problems with their information Thank you again have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX Automatic renewal for annual membership to MasterClass that I had already cancelled was charged to PayPal. 

Same day, same amount General Credit Card Deposit was applied to PayPal, referencing same transaction ID XXXX. 

XXXX XXXX refused to refund subscription. I filed dispute with XXXX credit card XXXX. 

XXXX Payment Refund and a General Credit Card Withdrawal, each for the amount of {$180.00} was applied to my PayPal account, both referencing same transaction ID as on XXXX. 

XXXX Received e-mailed notice that PayPal received notice from my credit card company that I had opened a dispute ( 9 days after I had filed ). 

XXXX A General Account Adjustment for the amount of {$180.00} was applied to my PayPal account, referencing the same transaction ID as on XXXX and XXXX. 

XXXX XXXX ( my credit card company ) issued notice to me that they had resolved my dispute. 

XXXX On phone with PayPal Customer Service for over 20 minutes trying to resolve. 

XXXX This is the first notice I have on file of debt collection on the negative balance. I continued to receive e-mailed notices, as frequently as every three days! 

XXXX See attached phone call log from this day. Never received promised call back. 

XXXX I received an e-mailed notice from PayPal stating that they have transferred my referenced account to XXXX. I responded with request for clarification, and I have received no further response, nor have I received communication from XXXX. 

XXXX My PayPal account still shows negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I filed a complaint about some fraudulent accounts on the XXXXXXXX XXXX XXXXXXXX, but it was never processed. I dont know why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: DE

Complaint narrative:
I have made several complaints written letters and via emails each time I reported to the CFPB and nothing was done.the first complaint was XXXX. 
My rights are being violated, I opt out of any and all authorization written or unwritten verbal or non verbal 15 USC 6802 15 USC 6805 Privacy Act of 1974. A charge off is a certificate of indebtedness which means it is income and must be removed.The law says it's illegal to report transaction history. 16 CFR 313, 16 CFR 4331.2 16 CFR 433.2 15 USC 1681. Please adjust affected IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I received an email stating that I was placed into an Administrative forbearance until my account was corrected. During that time, I should not have accrued any interest, but I have been accruing interest daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Somebody hacked into My Credit Karma Account.

Credit I'm Really at a loss of words, I've been banking with Credit Karma for years and I really trusted them. I can not afford to take a {$450.00} loss because they failed to protect my account from hackers. My card was locked because i was not using it, but someone hacked my account and got in through the virtural account on my card and took out all of my money.I just got back my tax return and i was able to transfer {$700.00} to my external account. I left {$400.00} in my account. I had about {$48.00} saved up in Credit Karma Save and {$400.00} in my Spend accounts. Last week, I got a call from some random number, with an automated voice claiming to be Credit Karma and saying there's fraud activity going on with my account and they wanted me to verify a sequence of numbers in a text they sent me over the phone. I immediately thought this was some type of scammer trying to get my information and hung up. ( I did not provide any information ) These are the transactions that i did not authorize : Looking for disputed transactions? See disputes 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 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 response to consumer: Closed with monetary relief