vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
comenity bank is reporting a debt that I do not believe is mine. I demand that they verify the debt and send me a copy of all documents asked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION REPORTING CAUSING ME TO HAVE A LOW CREDIT SCORE AND GETTING DENIED DUE TO INACCURATE INFORMATION REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION REPORTING CAUSING ME TO HAVE A LOW CREDIT SCORE AND GETTING DENIED DUE TO INACCURATE INFORMATION REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
I have tried multiple times to handle this amicably with Transunion if this can not be handled properly i intend to litigate.

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 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I tried contacting PayPal but to no luck they can't help me because I sent the money through Friends and Family. I contacted my bank XXXX XXXX they said they couldn't help and the only one who could help me was PayPal. I asked the XXXX XXXX agent to point me in the direction where I can get help if PayPal can't help me and he just hanged up on me. The total amount I sent was XXXX but in 2 payments one was XXXX and another was XXXX on XX/XX/year>. I told my bank I got scammed on XXXX XXXX when I was trying to purchase a car that was going XXXX but the guy said he wanted a deposit so he can hold the car for me and blocked me as soon as the money went through

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Transuion says they verified the fraudulent/error bankruptcy .This bankruptcy is NOT MINE. I DID NOT FILE A BANKRUPTCY. FURTHER More. transuinion is the only bureau showing a bankruptcy. also I contacted the courts systems to find out why this reporting on my credit report.

Per the court system " The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, TransUnion, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus ''. 
So I would like Transuion to tell me how this alleged bankruptcy was verified with whom and how and what day

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 2024-07-28 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/2024, addressed this same issue. However, the response from TransUnion and XXXX was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If TransUnion can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/year>, addressed this same issue. However, the response from XXXX and Equifax was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If XXXX can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My identity has been compromised since the year 2019. The thieves used my stolen information to open a bank account with XXXX  XXXX XXXX and XXXX Bank. I became aware of this situation on Thursday, XX/XX/XXXX, after attempting to open a checking account with XXXX XXXX. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I reviewed my consumer disclosure report on XXXX, and that's when I discovered these negative accounts from XXXX  XXXX XXXX and XXXX XXXX. I have never had an account with either of these banking institutions. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove these bank accounts from my consumer disclosure report and uphold my rights furnished by the FCRA.

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 2024-07-28 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:
Dear XXXX : I, XXXX, the consumer and natural person, was denied credit by XXXX XXXX  when I applied as Co-signer for the Amount {$12000.00}. 
Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act which his codified in 15 U.S.C. 1691 ( c ) and is pursuant to Civil Liability under 15 U.S.C 1692 ( K ). 
You are subject to criminal liability for violating 15 U.S. C. 1691 as I have proof that I was discriminated against by XXXX XXXX  and this CONSUMER TRANSACTION, has negatively and harmfully impacted my CONSUMER CREDIT REPORT. 
XXXX XXXX  is in violation of 15 U.S. Code 1642 USC 1681 ( m ) and 12 CFR 1002.2 ( 2 ) ( z ) because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number /credit card was used and I received NO benefit from this consumer transaction. This is proof of fraudulent activity under 15 USC 1602 ( p ) [ unauthorized of credit card ] on be behalf of XXXX XXXX. 
If your XXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card and negative inquiry placed on all credit bureaus ; I will indeed make XXXX XXXX  criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ). 
" Without prejudice, All Natural Inalienable Rights Reserved '' ( UCC 1-308 } Thank-you, XXXXX ( Agent/Beneficiary )

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute over 30 days ago regarding collection accounts that I was unaware of and I havent received the investigation results

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a XXXX XXXX XXXX  Citi card, and forgot the password ( I had a huge line of folks behind me in the store and had to come up with something under pressure quickly ). I couldnt log in on line to make payments, and have tried to unlock my password, but they locked my account. When Ive called ( three times now ) I get the same run around - no problem sir, well take care of that oh, nothing is working, our system cant send your phone text messages. We will send you a code by mail meantime, I am going to miss a payment because they wont give me access to my account - no matter that Ive verified who I am, my birthdate, my card info, my address, Im using the same XXXX PHONE Ive used for the last six years and no other bank has a problem texting me. And nothing by mail. Im extremely frustrated and dont want my credit history to take a hit for this stupid bank not being able to reset a damned password.

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 2024-07-28 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: CA

Complaint narrative:
Recently checking my credit report i noticed that i have been a victim of identity theft and found numerous credit inquirires i have no knowledge of here are the inquiries that i have found XXXX  XXXX XX/XX/year>, XXXX ( Bank ) XX/XX/year>. Please remove and dispute listed fradulent inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute over 30 days ago regarding collection accounts that I was unaware of and I havent received the investigation results

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute over 30 days ago regarding collection accounts that I was unaware of and I havent received the investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: SC

Complaint narrative:
I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX XXXXXXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to 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 2024-07-28 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: CA

Complaint narrative:
Recently checking my credit report i noticed that i have been a victim of identity theft and found numerous credit inquirires i have no knowledge of here are the inquiries that i have found XXXX  XXXX XX/XX/year>, XXXX ( Bank ) XX/XX/year>. Please remove and dispute listed fradulent inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transuion is violating my consumer rights. Transuion is listing a bankruptcy on my credit report. Despite all the proof that I have sent to them that I dont have a bankruptcy. Please tell me how this babkrupty belongs to me and why is it on my credit report. I have not received any proof that transuion claimed to have sent me to verify this bankruptcy Tranunion is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Transuion says they verified the fraudulent bankruptcy but it is not mine. I even contacted the us courts to see why this is happening and per the courts. they mailed and stated to me that " Bankruptcy courts are not responsible for verifying or validating information in consumers ' credit reports ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
Recently Checking my credit report i noticed that i have been a vicitim of identity theft and found numerous credit inquiries i no knowledge of here arethe inquiries that i have found XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, please remove and dispute listed fradulent inquiries from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I've never heard of AMSHER until I logged into my credit report today [ XXXX XX/XX/year> ]. I filed a dispute against XXXX and provided my RECEIPT showing I paid for the item T-Mobile falsely claimed I owed, as such, XXXX removed the debt from their " original '' debt collector. 

It's apparent the original debt collector " sold '' the account to AMSHER.

AMSHER is also in violation of my rights in failing to comply with FDCPA and reporting this bogus debt to all 3 credit bureaus BEFORE ever notifying me AND before AMSHER validated the validity of this debt. 

I have also attached to this complaint an Electronic Certified Debt Validation Letter, notifying AMSHER they have 30 days from the date on the Electronic Certified Debt Validation Letter to validate this debt. 

Until then, they MUST remove this account from ALL 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
Recently Checking my credit report i noticed that i have been a vicitim of identity theft and found numerous credit inquiries i no knowledge of here arethe inquiries that i have found XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, please remove and dispute listed fradulent inquiries from my credit report thank you

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 2024-07-28 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: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
I sent a complaint about a fraudulent credit card with Total visa here on cfpb, which they responded that they would have the account removed from my consumer report within 45 days. Its now been 60days and the account continues to report on my consumer report.

Company response to consumer: Closed with explanation