vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A FRAUDULENT APPLICATION FOR A CREDIT CARD WAS SUBMITTED TO XXXX  XXXX BANK ON XX/XX/year>. I REPORTED THIS AS FRAUD IMMEDIATELY TO XXXX  XXXX. THIS RESULTED IN A HARD INQUIRY ON MY CREDIT REPORT. I HAVE DISPUTED THIS WITH ALL XXXX CREDIT BUREAU 'S BUT TRANSUNION REFUSES TO REMOVE IT. I HAVE REPEATEDLY CONTACTED XXXX  XXXX WILL NOT PROVIDE ME WITH ANY DOCUMENTATION THAT THIS APPLICATION WAS FLAGGED AS FRAUD. HOWEVER, THEY KEEP TELLING ME THAT THEY SUBMITTED DOCUMENTATION TO THE CREDIT BUREAU 'S AND REFUSE TO PROVIDE ME ANY DOCUMENTATION. I HAVE REPEATEDLY CONTACTED TRANSUNION AND THEY KEEP TELLING ME THEY HAVE NO DOCUMENTATION AND/OR IT COULD TAKE UP TO 90 DAYS. HOWEVER, IT IS WELL BEYOND 90 DAYS AND THE INQUIRY IS STILL 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 explanation
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I wanted to know costs of solar panels. Got a quote from XXXX from door-to-door sales rep. I was told they had to run my credit report first and then I would get the price. I agreed to checking my credit. Within XXXX hours, I cancelled. No inspections, no work of any kind has been done. XXXX added this to my credit as a debt and they have placed a lien on my home. This company refuses to correct this. It's been XXXX months and after phone calls and complaints, XXXX XXXX, XXXX still has not made this right. This started in XX/XX/2023 and the amount showing is {$13000.00}. The rep ( I can't recall his name ) at XXXX confirmed my cancellation but XXXX refuses to comply. I want this removed from my credit report and removed from the XXXX XXXX XXXX 's. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I went on to my XXXX XXXX account and saw my score had went down. I have been working diligently on my score so i knew that something was going on. I looked deeper in the why it had gone down and I had seen under derogatory marks that under collections there was something that I had no knowledge of it had read LVNV FUNDING LLC. In the amount of XXXX $ and was opened on XX/XX/year> it also states that the original creditor was XXXX XXXX XXXX XXXX credit card. I have no knowledge of this being opened I didnt not open it I didnt not share my personal information with anyone to be able to open it. I called all three credit bureaus and put a fraud alert on my account so that if it happens again I will get a phone call verification that it is in fact me opening an account. I have never got a bill in the mail or been in contact with anyone about this other then me finding out and doing some investigating of my own and reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Date opened XX/XX/2022 Account charged off. {$360.00}

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 explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-29 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: WI

Complaint narrative:
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I hereby. Opt-out of your reporting services.

According to this U.S. Code 1681a Definitions ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as the transactions or experience between the consumer and the person making the report : Reporting transactions history is illegal. YOU MUST PROVIDE PROOF OF CLAIM. YOU HAVE AN ADDITIONAL 15 DAYs to comply or REMOVE THE DEROGATORY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
My name is XXXX XXXX I have talked to a agent and a supervisor but they couldnt help me delete my account thats is permanent limited they asked for a bank statement and I told them I cant get XXXX or dont have XXXX I am requesting yall to delete my account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
To whom these concerns, my name is XXXX XXXX, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom these concerns, my name is XXXX XXXX, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
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 2024-02-29 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: TN

Complaint narrative:
I have attempted to have my account updated with my correct name and address, and no one has deleted the information that I requested to have removed.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Inside my banking login dashboard, I was targeted for a special offer to earn a {$1000.00} bonus for making a very large $ XXXX deposit and keeping it in the account for over XXXX months. I clicked thru the link, applied and was approved for the account, then followed every instruction to the letter. 

I lost a large amount of interest elsewhere by giving my money to B of A for this time period Now B of A " can't seem to find '' any of this information and has not paid the bonus. I talked to a local rep, set an appointment that was canceled by B of A, and getting the runaround. I even sent them copies I kept of screen shots and html pages of the bonus and the offer in my dashboard I see online that many other people are having trouble getting this offer honored

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 monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

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 XXXX 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
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Calls are answered and hung up, and requested to be taken off of call list multiple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I had a gym membership last summer and after a car accident I had to cancel it. I contacted the actual gym staff including the XXXX to cancel my account which I did and was able to without trouble. Then Aldous and Associates start bombarding me with cryptic vague calls and voicemails. I speak to them to resolve the issue and they tell me I need to send a letter to dispute this so I do. A few weeks later I contact XXXX and Aldous and get cleared on both ends end of story. Now theyre calling me out of nowhere again, being rude over the phone and saying I never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Since XXXX I have been disputing the debt with Jefferson Capitol Systems. I have asked them several times to validate the debt by debt collection laws. They have since failed to do so. This debt originated while I was overseas and was not mine. I paid the debt in a settlement and they have yet failed to provide a payment history to show that the debt had an open balance remaining. The original company, XXXX XXXX XXXX is a loan service to only military members with high-interest rates and are forbidden to be used. I know who obtained the loan and unfortunately, they used a POA to obtain the loan. The company has since shut down and opened under another name. This company keeps taking the debt off my credit report after validation of the debt and adding it back as a collection to avoid the time bar as well as the reporting requirements. The debt was settled in XXXX, and in XXXX, if a debt was owed, and I reside in Texas, they needed to cease collection for a time-bar of 4 years. They also are failing to provide validation of the debt to prove this is a valid debt. They are also deleting the debt from my credit report after each dispute and adding it back with an invalid date to attempt to keep it on my credit report. The creditor is potentially causing negative impacts on my worthiness to obtain credit by adding in invalid debt as a collection. They have sent me numerous attempts to settle and delete for much less than desired and I will not allow that. This is an invalid debt and they have yet to prove its validity. I request that they stop trying to collect on the debt as well as it be removed from all 3 credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: P&B Capital Group, LLC
State: MI

Complaint narrative:
On XX/XX/24 I was contacted by this company stating that I owe a debt to another company and if I didn't pay they would take my home or put out a warrant for my arrest so I agreed but then p & b capital group refused to take the funds from my checking account but only wanted my debit card information and I don't feel comfortable with giving out that information so now I am afraid they will take my home or send police to arrest me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX has removed a debt collection agency from my account that I have been disputing for several months and it remains on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called to create a dispute with the Wells Fargo company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their XXXX period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of Wells Fargo, he didn't have access to the account information that would prove my dispute either accurate or 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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
I drafted and sent two dispute letters to YCCS ; I also sent them certified mail. Please review the dispute letters I attached in the XXXX They are dated XX/XX/XXXX and XX/XX/XXXX and provide detailed information. It is also a response to XXXX XXXX for case number : XXXX ; this is the Case # of my complaint with the Consumer Financial Credit Bureau XXXX 

YCCS has purposely neglected to send me required documents in a timely manner to increase interest rates on my debt. They have been unethical and lied about sending me a contract I requested from them on XX/XX/XXXX. 

They did not send me the contract till 14 months after I originally requested it. In that time interest accumulated on my debt. They purposely do not send certified mailed noticed to avoid being held accountable due to their dishonest collection tactics. Reviews of this company and how they collect and drive up debts amounts are horrendous. 

Please review my attachments.

Company response to consumer: Closed with explanation