vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TN

Complaint narrative:
I received a debt collection letter today ( XX/XX/XXXX ) stating a person who is not me owes a debt of XXXX to a XXXX XXXX XXXX from XX/XX/XXXX. Then there are offers stating if I pay a one time payment of XXXX my account will be paid in full and I must have payment in their office within 45 days. 
It uses portions of my maiden name but not my full same or any name I would have applied for credit under. There are no other identifying features such as account numbers, birthdate, ssn, etc. 
I have no outstanding credit or debt. I do not have any purchases that havent been paid in full and I do not know the creditor or agency attempting to collect. 
I feel that this is a scam/fraud in attempt to make me pay money or provide my personal information or there has been an identity theft and there is some fraudulent charge associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This loan was opened due to identity theft. Ive disputed with all 3 credit bureaus sent all supporting documents including ftc, report police report and more law state item must be blocked, and deleted from credit report apon receiving all accurate documentation also must be furnished with company pending further investigation m. To this day I filed multiple disputes reached out to company and nothing has happened d.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
In your most recent investigation results confirmation # XXXX on XX/XX/year> you stated that you determined that the data furnisher had previously provided verified information. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. I am not sure how you verified your information when you are still reporting inaccuracies on my credit report such as the open date, date of last activity, date of last payment and more! 

This is grounds for removal! 

The credit bureaus are also in violation of 15 USC 1681 section 602 A ; I have a right to privacy.

15 USC section 604 A section 2 ; a consumer reporting agency can not furnish a account without the written instructions.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I used XXXX for a purchase made from XXXX XXXX. The original price was {$640.00}. After I completed the process with XXXX, the loan was transferred to XXXX XXXX. I received a call from them today and the representative told me that my account was 30 days past due and that in order to avoid negative credit reporting that I needed to make a payment today. I then asked when was the due date and she told me that the payment was due on XX/XX/24. I then said, " So, the account is not 30 days past due ''? She confirmed that it was not. I asked her what was the payoff amount and it sounded like she came up with some random number. She said that I owed {$1300.00} and overall I owed {$1800.00}! How is this possible? The original email that was sent to me said that interest rate was 0 %, which is deceptive. She then told me that I missed the opportunity to pay the principal balance because I didn't respond to the period of time that was allowed to pay just the principal balance. I then told her that I did not receive any notification via mail, phone, text, or email. She then told me that they are a paperless company. 

First, creditors are not allowed to misrepresent any part of a debt owed. This creditor flat out lied to me at the beginning of the call. They are deceptively charging people three time the amount of their original purchase prices. This is predatory and unfair to consumers. They are not disclosing the " true '' cost of the credit that they are being extended and they are deceptive about the fees associated with that credit. 

After this phone call, I went online to look at the reviews. This company has a history of overcharging people and using deceptive and abusive practices to collect payments. There needs to be an investigation because people are signing up for credit with XXXX and then being switched over to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX/LVNV Funding, XXXX XXXX  , I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in Wisconsin. After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX LVNV Funding , XXXX XXXX has engaged in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of Wisconsin Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of Wisconsin Consumer Act ( WCA ), Chapter 427.104 : {$1000.00} Violation of Wisconsin Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRTITTEN CONSENT TO HAVE THESE UNAUTHORIZED ACCOUNTS AND UNAUTHORIZED HARD INQUIRIES TO BE FURNISHED OR REPORTING ON MY CONSUMER 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 2024-04-04 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: AL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-04-04 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
We have disputed this amount with XXXX XXXX a rental car company charged our card even though we dropped of the car with normal wear and the rental company inspected the car in our presence upon drop off and said everything was good. This is futher information on our dispute : We rented a car in XXXX XXXX from XX/XX/year> to XX/XX/year>. We returned the car free of trash with normal wear from our travels. There was a minor amount of sand in the car from the normal use of the car in XXXX XXXX. We dropped off the car and they inspected it and said everything was good. A couple of hours later after we left I received an email saying that they were charging me a cleaning fee. Our car was returned with normal use in California- it was nowhere near excessively dirty. All car rental companies clean each car after use. They are not authorized to charge our card for any cleaning fees. The agreement does not list anything about cleaning fees for normal use- they also inspected the car upon arrival and said everything was in good condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXXXX/XX/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 2024-04-04 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-04-03 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received a debt collection letter today ( XX/XX/XXXX ) stating a person who is not me owes a debt of XXXX to a XXXX XXXX XXXX from XX/XX/XXXX. Then there are offers stating if I pay a one time payment of XXXX my account will be paid in full and I must have payment in their office within 45 days. 
It uses portions of my maiden name but not my full same or any name I would have applied for credit under. There are no other identifying features such as account numbers, birthdate, ssn, etc. 
I have no outstanding credit or debt. I do not have any purchases that havent been paid in full and I do not know the creditor or agency attempting to collect. 
I feel that this is a scam/fraud in attempt to make me pay money or provide my personal information or there has been an identity theft and there is some fraudulent charge associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation