vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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 am writing to formally request an investigation into an unauthorized hard inquiry on my Experian credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> Creditor/ Company name : XXXX I did not authorize Onemain XXXX any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Experian and XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response

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 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I filed for bankruptcy in XXXX, PayPal/XXXX  was listed as a creditor, and the owed balance listed in the discharge. 

Since then, I have received collections emails for this XXXX debt, and recently the balance was collected against after a payment was sent as a gift for my sons XXXX and my birthday,? despite my non-use of the account since my bankruptcy. 

My attempts to rectify have not received responses via email, and my recent attempt to escalate via chat resulted in no response via email as promised, after I was told that because I owed the balance, it didnt matter that it had been XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION : COMPLIANCE DEPT. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, Transunion and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the identity theft block currently applied to my credit report. While I understand its purpose, it is now preventing me from accessing new credit opportunities. Despite providing all required documentation, including proof of my identity and Social Security card, the block remains in place. 

I have attached a photo as evidence showing a phone number that is not mine. My only phone number is XXXX XXXX. This issue is severely affecting my credit opportunities and overall financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please let me know if further information is required to complete this process. 

Thank you for your attention and cooperation. I look forward to your response and a resolution at your earliest convenience. 

Best regards,

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the removal of the identity theft block currently applied to my credit report. While I understand its purpose, it is now preventing me from accessing new credit opportunities. Despite providing all required documentation, including proof of my identity and Social Security card, the block remains in place. 

I have attached a photo as evidence showing a phone number that is not mine. My only phone number is XXXX XXXX. This issue is severely affecting my credit opportunities and overall financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please let me know if further information is required to complete this process. 

Thank you for your attention and cooperation. I look forward to your response and a resolution at your earliest convenience. 

Best regards,

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 2024-12-29 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: FL

Complaint narrative:
I am a Natural Person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current, and no balance is owed. It is incorrectly reporting as CHARGED OFF under payment status, and the comments/remarks reference a CHARGE-OFF. Additionally, the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : I. Defamation of Character II. Negligent Enhancement of identity Fraud III. Violation of the Fair Credit Reporting Act IV. Violation under 15 U.S.C 1681o civil liability for negligent non-compliance V. Violation under 15 U.S.C 1681n Civil liability for willful non-compliance VI. Failure to comply with 15 U.S.C 1692 ( g ) VII. Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports VIII. Violation under 15 U.S.C 1681i- Method of verification IX. Violation under 15 U.S.C 1681a- Right to privacy X. Violation under 15 U.S.C 1681c- Requirements relating to information contained in consumer reports

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NY

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute XXXX XXXX an inaccuracy on my credit report regarding the payment history and payment status for the account referenced above. According to my records, the information reported by [ Creditors Name ] is incorrect and violates the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report be accurate and verifiable.

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 2024-12-29 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: NY

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current, and no balance is owed. It is incorrectly reporting as CHARGED OFF under payment status, and the comments/remarks reference a CHARGE-OFF. Additionally, the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : I. Defamation of Character II. Negligent Enhancement of identity Fraud III. Violation of the Fair Credit Reporting Act IV. Violation under 15 U.S.C 1681o civil liability for negligent non-compliance V. Violation under 15 U.S.C 1681n Civil liability for willful non-compliance VI. Failure to comply with 15 U.S.C 1692 ( g ) VII. Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports VIII. Violation under 15 U.S.C 1681i- Method of verification IX. Violation under 15 U.S.C 1681a- Right to privacy X. Violation under 15 U.S.C 1681c- Requirements relating to information contained in consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: DE

Complaint narrative:
This Account was charged off on the following date XX/XX/2023 Since then the account has repeatedly been updated as charged off every month, This is an update in the payment history. A Charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. XXXX 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 2024-12-29 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: OneMain Finance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX {$140.00} XXXX  XXXX {$500.00} XXXX XXXX {$620.00} XXXX reporting negative car was traded total of XXXX Hard Inquires dating back to XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Global Lending Services LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX {$140.00} XXXX  XXXX {$500.00} XXXX XXXX {$620.00} XXXX reporting negative car was traded total of XXXX Hard Inquires dating back to XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Checkpoint Screening
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX, Owner XXXX XXXX is XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: SC

Complaint narrative:
OnXX/XX/2024 I sent an email to TrueAccord requesting that all communications regarding my alleged debt be conducted via mail and not via email. Specifically, I asked for proof of the debt and verification of their authority to collect the debt in the state of South Carolina to be sent to the physical address they have on file. 

Despite my clear instructions, I received a response via email from TrueAccord onXX/XX/2024. This response ignored my request to cease email communication. 

On XX/XX/2024, I sent a second email reiterating my request under the Fair Debt Collection Practices Act ( FDCPA ), clearly stating that all future correspondence, including validation documentation, must be sent to my physical address. I emphasized that continued email communication would be a violation of the FDCPA. 

However, on XX/XX/2024, I received yet another email from TrueAccord. This third email again ignored my request and sought my consent to receive validation documentation via email. 

Over the course of three communications ( on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I explicitly requested TrueAccord to cease email communication and send all correspondence via mail. Despite these repeated requests, they have continued to email me, violating the FDCPA and disregarding my consumer rights. 

I am seeking assistance to ensure that TrueAccord complies with my request to communicate solely via mail and ceases their unlawful email communications immediately.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian on a regular basis sends " credit alerts to review '' scam emails. After clicking on the link to review the alerts it opens a web page that requests me to pay for a premium account, the web page somehow has my payment information and offers to pay with XXXX click. 
Experian does not allow to unsubscribe from these scam emails and tries to rob people with unwanted premium subscription by importunately asking to pay. The emails are sent from " 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 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
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 2024-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
I reviewed a copy of my credit report and noticed a collection that I have no knowledge of XXXX XXXX XXXX XXXXXXXX XXXX This account is the result of fraud

Company response to consumer: Closed with non-monetary relief