vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive disputed an account that has been in collections for a few years. Previously stated that the account was CLOSED with XXXX for over {$2000.00} & that account should not be on my report. Experian got it removed, then it popped back up a year later and now I can not get it removed again.

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 2025-01-12 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: FL

Complaint narrative:
Hi XXXX, I just received a copy of my credit report and I realize this fraud credit card still reported on my credit. This fraud account from XXXX XXXX was opened without my knowledge and shall delete from my credit report. I also found those XXXX fraud inquiries that was not authorized by me. 


XXXX XXXX inquiry date : XX/XX/202XXXX XXXX XXXX inquiry Date : XX/XX/2024 XXXX XXXX XXXX inquiry Date : XX/XX/2024 XXXX  ( Finance ) inquiry date : XX/XX/202XXXX XXXX XXXX ( Auto ) inquiry Date : XX/XX/2024 XXXX XXXX ( Finance ) inquiry Date : XX/XX/2024 I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are required to complete this reinvestigation or delete this fraud account within 30 days.

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 2025-01-12 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: WA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX92, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-12 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Reference : FCRA 15 U.S.C. 1681 Dear [ Credit Bureau Name ], I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to request a correction or removal of any information that is not substantiated or is otherwise inaccurate. 
Disputed Information : Item Name : XXXX XXXX, XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX Account Number : XXXX Description of Discrepancy : Account Closed XX/XX/XXXX reporting beyond XXXX limit Item Name : XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX  Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Under the FCRA, I request that you investigate this matter and remove or correct the inaccurate information within the statutory 30-day period. As required by law, you must forward all relevant information to the creditor or data furnisher for verification.

Additionally, if you are unable to verify the disputed item, I request that it be removed from my credit report in accordance with the FCRA guidelines.

Please provide me with a written response once your investigation has been completed and confirm any corrections made. If any of the disputed items are found to be inaccurate, I would appreciate a corrected copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with { XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).

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 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo, they keep suspending my account when I try to transfer my balance to another bank, or just when I try to simply send the money to someone else. I've had this issue every single XXXX time I've used Venmo. They are thieves, and need to be shut down and investigated. What s ridiculously XXXX p2p platform. XXXX  to the creator of Venmo. I have XXXX bucks in there that they just decide they were gon na hold on me and I'm not having it!!! ; I'm broke and need to pay my bills XXXX XXXX it!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX, was a charge off many years ago. Have reappear again.Also- LVNV, was a charge off many years ago. Have reappear again. 
No mail from either, then and now. It have ruined credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I deposited {$2000.00} into my Robinhood account on XX/XX/XXXX. On XX/XX/XXXX Robinhood restricted my account due to unusual activity. They have no number to call that takes you to a representative. I got an email with a link saying to verify my information but when I click it just opens up the Robinhood app. There is no Dropbox to send the files it asks for to unrestrict my account. They have a button to request a call but its only a bot. There is no way of contacting Robinhood to resolve this issue so filing this complaint is my only way of regaining access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
due to a Data Breach and old information that has not been updated from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
Accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  were under my name but being used and paid by my ex and when we split in 2021 he told me he was still paying but lied and I didnt know until accounts started to be charged off reflecting my credit and I as a single mother did not have the money to resolve the debts he left me with due to his negligence

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute for Account # XXXX Dear Experian, I am writing to formally dispute the accuracy of an account listed on my credit report due to fraud. The account in question, listed under XXXX XXXX XXXX with the account number XXXX, was opened without my authorization. I have no knowledge of this account, nor have I ever conducted any transactions with this company. 

The details of the account as listed on my credit report are as follows : Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$15000.00} Payment Status : Late 180 Days To support my dispute, I have attached the following documents : 1. A copy of my government-issued photo ID. 
2. A copy of a utility bill for address verification. 
3. A signed fraud affidavit ( if applicable ). 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. I also request that any findings be forwarded to me in writing. 

If you need further information from me to proceed with this investigation, please contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Reporting:XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Reporting:1XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I received a letter from Coast Professional , Inc for an alleged tax debt. This is the 2nd debt collection contracted with the IRS to collect on the alleged debt. The IRS wanted me to send information to them to verify that I was the father of my daughter. I sent all of the information and called over and over to confirm verification and I was still was taxed. I have disputed the debt on multiple occasions. I will not pay for a tax that I do not owe. In the letter, Coast Professional added additional interest to the alleged debt. This is a violation to the FDCPA. I have never entered a contract with Coast Professional , Inc for the said amount.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Collection account MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX Hello back on XX/XX/XXXX & XX/XX/XXXX, I opened a dispute to XXXX requesting proof of their investigation to prove that the debt that is being reported on my credit report is accurate and deed mine. I asked in both disputes that they provide me with a consent of the debt with my signature. I never received anything in writing per my request of proof that an investigation was done, and verifying the debt belongs to me. My dispute for XX/XX/XXXX results came back from XXXX on XX/XX/XXXX stating ( The incorrect account with MIDLAND CREDIT Management that starts with XXXX has not been changed and will remain on your credit report. And still no paper work was sent explaining their process and procedures of the investigation that they did to prove the debt belongs to me. Dispute XXXX XXXX, the results came back on XX/XX/XXXX, stating ( The incorrect account with MIDLAND CREDIT Management that starts with XXXX has not been changed and will remain on your credit report. And still nothing in writing showing that a proper investigation was performed, and inclusion of their findings the account belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized Inquiries on my credit report that i would like removed. According to the FCRA these unverified and Unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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