vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
in XXXX, I sent a formal debt validation request to Midland Credit Management under the Fair Debt Collection Practices Act ( FDCPA ). The debt, reported on my credit profile with a balance of {$340.00}, is listed as " In Collections/Charge-off. '' In my request, I specifically asked for : Proof of legal ownership of the debt, including documentation of transfer or assignment from the original creditor. 


A detailed, itemized breakdown of the balance, including fees, interest, and other charges. 


A signed agreement verifying my obligation to repay the debt. 


To date, I have not received any response from Midland Credit Management. Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. Their failure to respond within the required timeframe under the FDCPA violates my rights. The continued reporting of this unvalidated debt is unfair and harms my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Credit Collection Servic Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX  XXXX Auto Finance Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** CONSUMER PORTFOLIO SERVI ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX  - XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to address an issue regarding my credit report and a recent payment processing error. I have been a customer with TD Auto since XXXX, and throughout this period, I have consistently paid on time, without any late fees on my credit report. 

Today, I spoke with three representatives, and the last one, XXXX, was able to pull up a call from XX/XX/XXXX, where I made a proactive payment attempt for both XXXX and XXXX. Despite submitting both payments on time, I have experienced repeated delays in payment processing, with the system apologizing for the delay in several instances. 

This error on TD Auto end should not negatively impact my credit history. It is both unethical and illegal for these processing delays to be reflected as late payments on my credit report. I respectfully request that this issue be corrected immediately to ensure my credit history accurately reflects my timely payment history. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On Friday, XX/XX/year>, my friends XXXX was hacked. She contacted what she thought was XXXX Customer Service. She found the number on the internet XXXX XXXX, but it turns out it was a scammer. She was asked to download a helpdesk app to assist the technician with resolving her issue. After some conversations with them she did as asked. She then contacted me asking me to take a call from this technician and assist them in tracing and recovering some amount of funds she had been scammed. I trusted her so I agreed. I was asked to download the same app and at that point lost complete control of my phone. She was trying to call me and text to warn me, but they were intercepting the calls and messages, I did not know she was even trying to reach me. They sent funds to and from my Venmo, I was trying to question the actions, but they would not tell me what they were doing, and I had no control over my phone. Next, I saw they went into my PayPal, set up this above contact and initiated the disputed transfer. I was frantic by this point trying to get my phone back to stop them. He started yelling at me saying they had a sniper trained on me and my daughter and if I did not stop trying to block him, they would kill us both. I finally removed the sim card from my phone. There was a few minutes of many websites opening, many XXXX sites and I was closing them as fast as they were opening. That finally stopped and I uninstalled the app that had been downloaded. 
I immediately filed a fraud case with both PayPal and Venmo. My Venmo problem seems to be resolved, and I have closed my Venmo account. This transaction is still an issue. the amount of the transaction through paypal is XXXX they did the transfer from my phone using the friends and family section of paypal. I have filed a dispute with them, number XXXX XXXX PayPal has denied that any fraud took place and had denied several appeals. they keep saying the transfer took place from my IP address so it must not be fraud. I keep telling them that of course it came from my IP address, it was my phone that was hacked and used to make the transaction. i keep getting the same response, word for word, the same response so I am sure it is coming from a bot not a person. I have closed all accounts associate with PayPal so the funds have not come out of my account, but they are still trying to collect it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report this morning and saw unauthorized inquiries that I can not account for. My usual review process revealed unexpected discrepancies, and refreshing the browser did nothing to fix it. I am extremely upset and ask that my submitted documents be properly reviewed to resolve this issue immediately and relieve me of this unnecessary stress.

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 2024-12-05 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a dispute with chime and instead of giving me my money back they refused I filed a complaint they ended up refunding me and then closing my account my account never had any issues until I lost money with chime instead of just giving it back the first time I had to file a complaint not only that they lied to me and said my account would be reopened I waited 2 months and my account was never reopened I called to ask why I never got a email they said they made a choice on the matter without consulting my account was closed out of spite chime retaliated against me for wanting my Money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I have car insurance with USAA and have attempted to get my car repaired through the dealership multiple times and they failed to repair my vehicle. I have a claim with USAA for a XXXX XXXX XXXX in which I am trying to retain my vehicle. USAA, XXXX  and I spoke on a conference call on XX/XX/XXXX in which XXXX said that I could retain my vehicle and they just need the updated information to reflect the salvage value of my vehicle. XXXX  specifically stated that they do not offer letters of guarantee but we were on a recorded line and this validates the call or guarantee. I keep emailing and calling USAA and they have not really responded. Today, I received an email stating that USAA had sent payment. I called XXXX and they stated that they never received the updated amount so GAP could pay what they were going to pay. So, I am not sure what USAA is doing but I need to keep my vehicle because my son is in XXXX XXXX  and I am not working as much and I am not sure what will happen next. I received information from XXXXUSAA re : the title but I do not want to participate in this process because I want to retain my vehicle. Please assist. The date of the claim is XX/XX/XXXX and I am still making car payments because this has not been resolved. I saw the amount USAA is paying on today and they have the title going to XXXX who should not receive the title because they are only paying the salvage amount and my gap insurance will pay the balance. Again, I am paying car notes and I keep getting the run around. Again, the damage was XX/XX/XXXX and I have paid car notes up until now. I have been calling about keeping my car for over a month. I am overwhelmed and stressed out. This has been a difficult process.

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 2024-12-05 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX - XXXX - {$22000.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXXXXXX - {$26000.00} ( tu ) Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EGL US, LLC
State: CA

Complaint narrative:
Since XX/XX/year> I have seen this company on my credit I have sent them a cease and desist with attempt of damaging my credit. Send verified proof of the wet signature. I am not even aware or know or have knowledge of the company the are trying to collect from. Have sent multiple dispute through experian stated this isnt me and even the address they have on file isn't mine. I am also on extended fraud alert when my all my credit cards where stolen. And even the copy of the police report when my XXXX yr old was sleep and the cards where stolen. There was a FCRA investigation on my report. They have called numerous times over the year. And being hostile towards me. Since they on the XXXX, calling to XXXX at odd times. I explained to them under the Fair debt act sec 802 the use of unfair debt practice. My old neighbor was question stated they was filing a lawsuit trying to gain knowledge of new address. I asked for a debt validation letter, and asked them through a letter and on all bureau stop contacting me in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AZ

Complaint narrative:
1. Business Debit Card ; 2. Business Credit Card ; 3. Online Business Account Access Information Note : None of # 1-3 were provided and the bank closed the account without notifying and failed to refund the {$5.00} account deposit. 

Spoke to XXXX and later with XXXX ( XXXX XXXX Banker ) : US Bank does not intend to return the {$5.00} deposit and it claims there are Gold fees ( per month ) which was not communicated at the time of opening the account and no service was provided since XXXX XX/XX/year> with regards to the business account.

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 2024-12-05 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts being reporting with false information.

Company response to consumer: Closed with explanation