vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB Team, This is a formal follow-up to my ongoing complaints against XXXX ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, XXXX continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting XXXXs Malicious Intent : 1. False Certification Claims by XXXX : XXXX has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that XXXX is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, XXXX has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. XXXX refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3XXXX XXXX  Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, XXXX is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet XXXX has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : XXXX continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if XXXX ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I received an estimate to have water proof laminate installed in a home I'm not living in. I accepted the proposal, not realizing the salesman wrote the wrong color floor on the order, you don't receive a paper copy of the estimate it's only on XXXX. On XX/XX/XXXX a friend let the installers into the unoccupied home, I was preparing the home so I could move in, not realizing the floor installers would need to be supervised. Since I'm not living there I went on XXXX to take a look at the job, to find the wrong color floor was installed with the correct trim, they left metal anchor plates for the bannisters exposed rather than covering them with flooring, they cut back the carpet from the trim too short, they took a trash can that had a bag of sand in it dumped the sand in the mulch bed, XXXX  int he empty trash can and left it in the home, stole items from the home. I immediately started to call XXXX XXXX XXXX to rectify the matter, and was constantly getting disconnected or hung up on. They have refused to acknowledge the XXXX, the theft of items, the incorrect color flooring and state that the exposed metal plates are against federal law to cover. I contacted Synchrony Bank to file a dispute to no avail, they state that they spoke to someone about the matter and everything had been resolved, when nothing has been resolved. Synchony Bank is also unwilling to do their due diligence, they need to actually investigate rather than just take the word of a shady floor company. I'm a grieving widow that has been trying to get my life back together and move forward, I feel like I've been taken advantage of by both XXXX XXXX XXXX and the bank and no one is doing anything to fix it. Everything is stalled at this point, I can't get painting done until the floor situation is fixed.

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 2024-10-06 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: SC

Complaint narrative:
Transunion is reporting inquiries on my credit report that I did not authorize nor provide consent for access to my credit report so I am requesting immediate removal. Inquiry details are as follows : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These hard inquiries are a direct violation of my consumer rights under the following laws : U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations. 15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed. 15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted. 15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. Thank you for your prompt attention to this matter.

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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Ic systems is trying to collect a debt that I do technically owe XXXX for around {$1100.00}. They have put 15 deragatory marks on my credit for the same debt and now my credit score is XXXX I didn't even know it could be that low .... I'm not sure what I should do about this. They have also never tried to connect me that I know of. Seems like their intention was to destroy my credit not collect a debt.

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 2024-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned collection are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/scrub>XX/XX/24 I was scammed. I made a wrong phone number ( thought it as XXXX ) and was fed a story about cybercoin and tracing transactions. They had me download XXXX asst and from there they had access to every thin in/on my phone. I do not bank on my phone, they used pay pal. Im on SS and saw my most recent payment disappear. They had me. They emptied my bank account and had me send money back to my son and he sent it to me. My husband came home and figured it was a scam and had me hang up. I filed a police report the next morning. I went to my bank that morning and discovered they had stolen all my savings, thru my overdraft protection. Bank filed fraud charges and forced PP to refund most of the money. I was lucky. But there is an international transaction where they withdrew the funds. Pay Pal deducted that money from my sons acct. he has season tickets which he sells for games he can not attend. So he had Pay Pal funds. I got nothing and they ( PP ) refuse my requests for help. They know it was fraud. I uploaded my police report still no help. Yesterday I tried once again. I got a reply with someone elses name! That was enough for me to know that they are unsafe..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I initiated services with XXXX XXXX XXXX XXXX earlier this year at XXXX XXXX XXXX Terrace which was my current residence at that time. Subsequently, my XXXX passed on XX/XX/XXXX and as a result my siblings and I decided to sell the home in XX/XX/XXXX. Moreover, I paid my final bill to XXXX XXXX XXXX and moved to an apartment XX/XX/XXXX. Upon my arrival, I was informed that the only internet service I could use at that residence was XXXX, because they use bulk internet services. Furthermore, I was instructed to go to the XXXX store and get a new modem so that my internet service may be established. In closing, that is the reason I returned the modem back to XXXX XXXX XXXX now I being harassed about a bill that does not belong to me. This year has been stressful enough and I will not tolerate threats of any kind in regards to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Ive asked for my credit to be disputed for unlawful practices. My debt occurred in Florida but the company does not have a Florida license to collect my debt. Ive emailed them and constantly do to get them to take this off my credit for unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX XXXX, The XXXX XXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine 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 2024-10-06 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine 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 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 2024-10-06 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: GA

Complaint narrative:
Global lending services shows 2 accounts on my credit reports. These accounts are reported inaccurate on my credit report and the company is still attempting the contact, demand, and withdrawn funds from a personal account after being notified to cease all contact and that these transactions were not authorized by me. Account last update XX/XX/year>.

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 2024-10-06 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: SC

Complaint narrative:
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION XXXX WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE XXXX XXXX XXXX SECTION XXXX SECTION XXXX ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave Experian OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX USC XXXX. Credit Reporting Agency has caused severe XXXX XXXX XXXX due to the abusive and unfair practices. XXXXXXXX XXXX XXXXXXXX, 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this public record is supposed to be removed a long time ago but they never remove

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 2024-10-06 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: FL

Complaint narrative:
these are the list one wrong addresses and names that are not my

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
these are the list one wrong addresses and names that are not my

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 2024-10-06 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:
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 XXXX XXXX XXXX. 

XXXX ) XXXX XXXXXXXX Account XXXX is : # XXXX XXXX ) XXXX XXXX XXXX  Account number is : # XXXX XXXX XXXX XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX Account Number is # XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 response to consumer: Closed with non-monetary relief