vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: DE

Complaint narrative:
Dear Transunion : Im responding to the verified no-change letter you sent me for collection account. 
1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
9. Please investigate the reporting of this account to determine that it meets FCRA and FDCPA requirements and correct/update this inaccurate record on my credit profile. I was never late on this account. I always paid as agreed. 
XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you 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 non-monetary relief
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-16 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: MD

Complaint narrative:
To, Transunion XXXX Department XXXX : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it XXXX concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX 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 non-monetary relief
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MO

Complaint narrative:
Once again experian sends me another ridiculous notification that dispute is ready to view online which of course is a lie and yet again it says to call and when I do and tell the none XXXX speaking person who wants my whole social security number which I flatly refuse and when I told him I was also recording our conversation of course he hung up, fraudulent fraudulent fraudulent fraudulent company

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 2024-01-16 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: GA

Complaint narrative:
XXXX does not have documentation to show these were in fact authorized it must be removed asap. XXXX company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report ... XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent..

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 2024-01-16 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing once again to bring to your attention a persistent issue I have encountered with LVNV Funding LLC, also known as Resurgent Capital Services, which has adversely affected my credit profile. I want to highlight that I lodged a complaint with this firm ( CFPB ) on multiple occasions. However, the responses from LVNV Funding have lacked credibility, and my request for a signed contract has been met with an unsigned duplication from 2018. Moreover, the statements provided have not shown specific charges or any acknowledgment from me regarding the account in 2018. 
Despite my efforts to resolve this matter through various channels, it seems that, as a consumer, I have limited rights or advocacy. It appears that as long as the company responds, regardless of the validity or accuracy of their response, they can continue to adversely impact my credit. Even XXXX, the credit bureau XXXX, acknowledges the questionable practices of LVNV Funding but claims to have no alternative but to report the information provided. 
I want to emphasize that XXXX is the only bureau that persists in reporting inaccurate information despite my repeated attempts to obtain the requested information. In contrast, both XXXX and XXXX have ceased reporting this matter, acknowledging its unfounded nature and the unethical practices involved. This disparity underscores the urgency and significance of promptly addressing this issue. 
I am reaching out to you with the hope that you can once again discern the gravity of my situation and may be able to provide assistance and advocacy on my behalf. It is disheartening that, thus far, no one seems to care or offer guidance in addressing this concerning situation, allowing this company to persist in its questionable practices. In my pursuit of support, with the ultimate goal of having this unsubstantiated debt removed from my credit profile, I have also sought assistance from the Office of the Attorney General and the U.S. Government XXXX XXXX. My commitment to raising awareness on this issue persists, not only for my own resolution but also for others who may have fallen victim to the unethical practices of LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: MD

Complaint narrative:
To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MD

Complaint narrative:
To, Experian XXXX Department XXXX : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
Please consider this as my formal complaint to the TRANSUNION for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit 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 non-monetary relief
Consumer complaint received 2024-01-16 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have been requesting for months to opt out of the transaction history being reporting. I have the privacy policy and federal law and the privacy act of 1974 says I have rights to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to contest the presence of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not align. This is troubling since I possess a court letter clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
The XXXXXXXX XXXX XXXXXXXX CRIMINALS at PayPal have created an ILLEGAL, unsolicited account in my name. 
I will NEVER have nor will I ever apply for a stupid PayPal Account! 
I dont even support businesses that use PayPal as a payment method! 

I did NOT apply for this account. 
I did not request an account in writing. 

The criminals at PayPal now send an email every month to view my Statement Balance. 
The criminals at PayPal send this email as a no response communication. 

I need to log on to contact them in any way. ( and tell them what I really think! ) See above, THERE IS NO LEGAL PAYPAL ACCOUNT IN MY NAME! 
So, there is no password, no ability to communicate, delete account, etc. ( how convenient!! ) The criminals at PayPal need to be jailed! But first, they need to delete any account or information they have associated with my name. 

Now companies associated with and part of the this PayPal SCAM are sending receipts for purchases I HAVE NOT MADE that are allegedly billed to an ILLEGAL ACCOUNT at PayPal in my name. 

XXXX XXXX XXXX XXXX XXXX with email addresses like : XXXX I need to receive a LETTER from PayPal apologizing for this scam and the letter must say all information associated with me is DELETED at PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There is a hard inquiry on my report from Bank of America as of XX/XX/15. I contacted the company directly and they informed me that they do not see an inquiry. I contacted XXXX and they advised I would need to contact Bank of America to have it removed. I did not make an inquiry for credit or any other service from Bank of America. This inquiry is violating my right to accurate reporting.

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 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need to pay my landlord using XXXX. I always used XXXX XXXX  but there's a {$2500.00} dollar daily limit. So I decided to open an account online with Wells Fargo since there is a bigger daily limit and set up XXXX. My wife sent me {$25.00} to test it. Wells Fargo decides to close my account for " identity theft '' and because of that I am now banned from using XXXX!!!!!! 

This is absurd. I work for FDIC, there is no identity theft. Now XXXX won't even allow me to use them for anything anymore because of what Wells Fargo did!

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 2024-01-16 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a PenFed checking account that I opened and have never used. Today I checked my credit report and noticed that there are three hard inquiries on my report from PenFed. Ive never contacted this company for a loan or line of credit. These inquiries are violating my right to accurate reporting. These inquiries must be deleted as they were not done by me. PenFed can place a security alert on the account if needed as I did not apply for credit from them. 

Acct # 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am contacting you to dispute the inclusion of this bankruptcy on my credit report. The dates filed, reported, and closed do not align, raising concerns. I possess a court letter stating that this bankruptcy should not be reported, and the involvement of an unauthorized third party makes this situation even more absurd.

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