vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A, States I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX {$530.00} was placed on my credit which was paid by insurance.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had Hard Inquiries on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-25 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: IL

Complaint narrative:
I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16818-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX XXXX XXXX  ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC S1681 violations for willful noncompliance - 5616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: AZ

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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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.

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 2024-08-25 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: NY

Complaint narrative:
I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate 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 2024-08-25 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: OH

Complaint narrative:
Dear TransUnion, I have reached out to your office numerous times regarding my situation as a victim of identity theft. I have provided multiple documents to support my case and would like assistance in resolving this matter. 

Thank you for your attention to this issue.

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 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Saw the amount of {$180.00} said it was owed but this amount has never been verified nor have I received any bill the company is billing me 2 different amounts and can not to this day verify the money owed how can you file 2 amounts for the same bill this is exactly what this company has done its illegal and unverifiable first they said its {$150.00} then file another collection for {$180.00} so what does the consumer really owes this collection company needs to send this back to the company for verification of debt for 2 bills is not collectible for the same bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff XXXX/ XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Twice I have attempted to open a high yield savings account with XXXX and each time XXXX am declined via email ( attached ) which indicates they were unable to verify my identity. A phone call to the provided customer support number to verify I am not on any VPN that would not allow the verification of my location. 
I have verified I do not have a credit freeze or a fraud alert with XXXX, XXXX XXXX, XXXX and XXXX. 
I have applied for a high yield savings account at XXXX twice, XXXX twice, XXXX and XXXX and every time I am denied. 
I am unable to determine the root cause and under the Fair Credit Reporting Act ( FCRA ), financial institutions are required to provide you with an adverse action notice if they deny your application based on information in your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: UPGRADE, INC.
State: TX

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: MD

Complaint narrative:
On Saturday, XX/XX/year>, I received an electronic communication from a company by the name of InDebted USA Inc, a debt collection agency alleging a debt owed to XXXX, a buy now pay later loan service. I received another comunication on Sunday, XX/XX/year>, which I find to be in violation for religious reasons. The communication is through email. Due to concerns with phishing, I do not open suspicious links sent through email or text. I find the communications suspicious as I have not received any validation information through the United States Postal Service. I find the conduct of InDebted USA INC to be in violation of the Fair Debt Collection Practices Act as their electronic communications are increasing in order to harass, oppress, and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the transfer of my personal information to ConServe debt collections and other third parties by XXXX XXXX XXXX XXXX ( NFCU ), which I believe violates 15 U.S. Code sections 6801, 6802, and 1681B. XXXX failed to protect my nonpublic personal information, disclosed it without my consent, and may have shared it with XXXX & Transunion without a permissible purpose. I request immediate removal of my personal information from XXXX, all third-party databases, and my consumer report, with confirmation of these actions within 30 days. I have not authorized XXXX XXXX to report any account to TransUnion, and by law, I have repeatedly requested them to remove this from my credit report. However, they have shown no urgency in addressing this matter and seem to believe that the CFPB lacks the authority to enforce compliance. I would appreciate your intervention to ensure that XXXX XXXX XXXX TransUnion takes this issue seriously and acts accordingly. 

XXXX XXXX - REPORTED - TRANSUNION - XXXX - {$18000.00}

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i have a collection account, this collection is inaccurate and Transunion, update the information, this is illegal under FCRA, they can not update the information if it wrong.They have to deleted, Right now the changed the status on previous dispute form Open status to Closed, and reverted one more time. also shows the creditors name as the same as Collection account XXXX, XXXX and XXXX, Creditor name is different, and has to be removed from my account under these codes : 15 USC1681S-2 AND 15USC1692G, HAS TO BE DELETED ASAP

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 2024-08-25 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: MS

Complaint narrative:
I saw on my credit the amount of {$610.00} to a company by the name of LVNV I was never given a right to dispute nor pay never got a bill they never contacted me I never even knew of this collection til it was on my credit this company has bypassed the person right to verify and disputed and jumped directly into placing information not verified on my credit report this claim should be deleted due to fair credit laws violated by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
I am filing this formal complaint against EXPERIAN and the entities responsible for the unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all XXXX inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n. The comma after each date represents a new inquiry each time my credit was illegally accessed. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Unauthorized Inquiries : The XXXX credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX. Violation of 15 U.S.C. 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages.

3. Violation of Gramm-Leach-Bliley Act ( GLBA ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.

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 2024-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I XXXXXXXX XXXX XXXXXXXX have submitted certified checks to XXXX XXXX located in XXXX Mississippi. Purchased XXXX XXXX XXXX in XX/XX/XXXX, that was destroyed in XXXX XXXX in the state of Louisiana. The recent automobile I purchased approximately XXXX years ago is a XXXX XXXX XXXX. I was unable to receive service for the automobile in the state of Louisiana. Therefore, I visited the dealership in Mississippi and was unable to trade the XXXX XXXX. I requested service for automobile tires, oil change, and etc, the salesperson told me to take the automobile- any XXXX XXXX in Louisiana. After I had accidents and no legal representation. The automobiles were never repaired. I have faithfully mailed certified checks issued by XXXX XXXX XXXXXXXX XXXXk. Reference : Ford XXXXXXXX XXXX XXXXXXXX. XXXX XXXX {$590.00}. I am requesting XXXX XXXX XXXX to waive all late fees since calendar year XXXX because I took taxis, utilized XXXX and solicited rides from a friend and a family member. My sister, brothers and other family members refused to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> I attempted to establish an online account with Transunion for the purpose of freezing and unfreezing my credit file. For some unknown reason, they locked the account. I had to speak to customer service to provide verbal approval to remove a freeze that I apparently placed verbally years ago. 

As a result of recent data breaches, I again attempted to establish an online account with Transunion on XXXX XXXX, 2024 to freeze and unfreeze my credit file. Again, my online efforts failed, as the online account was blocked again. After lengthy waits to speak with someone, my conversation with a third rep told me my case required " special handling '', and that another service rep was going to call me. Today is XXXX XXXX, and no return call. I then tried again tried to call Transunion, and after being on hold for over an hour, I connected with someone, who abruptly hung up. 

On XXXX XXXX, I received an email from Transunion offering me the opportunity to enroll in their credit monitoring service for nearly {$30.00} a month. 

What's wrong with this picture? They appear to be trying to avoid providing a free service, and instead get me to enroll in a paid service. There is absolutely no reason why they should block my efforts to enroll in the free online account. In the conversations I had with them on XXXX XXXX, I provided multiple sets of data to prove my identity, so there is absolutely no legitimate reason for Transunion to not establish my online account. This appears to be classic bait and switch, if not extortion.

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 2024-08-25 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
XX/XX/2024 contacted XXXXXX/XX/XXXX while reviewing my statement and found a charge for {$360.00} for some sort of tickets for XXXX XXXX. Upon further review I had another charge for this same. XXXX XXXX immediately canceled the card. I called again in XXXX to check the status and was told it was still be investigated and that they had reversed the charges. 

Today I was opening XX/XX/2024 mail and found a letter dated XX/XX/2024 stating I was responsible. They provided no information on the date or location of this transaction, no merchant information. I contacted XXXX for a third time because my previous statements are blocked and was told that they closed the fraud and I am responsible. 

They did not conduct an investigation, nor contact me for further information. I have been fraudulently charged XXXX times for {$360.00} for tickets to some sort of event. I live outside of XXXXXX/XX/XXXX I can provide affidavits from my employer that I have not traveled since XX/XX/2024. I have

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