vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
Everyday 3-4 times a day. I've told them I was let go from my job. They continue everyday different numbers to try and throw me off I'm sick of it. Affirm I'll tell you I don't care I'm tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED 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 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented XXXX. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I'm a XXXX XXXX  and do have all documents as well as my united States profile I'd number and payment number of XXXX digits. I never received payments and possibility there may have been 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 2025-01-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
I pulled my credit report and I seen thing reporting on my credit that I didn't agree to my personal info was exposed in the data break which means 15 USC, 1681 apples to me. 
I filled a complete with FTC report. 
I've asked for proof of account I never received anything from them the info they is not mine never has been my info. 

Global Lending service XXXXXXXX XXXX - XXXX XXXX Original Balance XXXX Pass due Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear COMENITY BANK or BREAD FINANCIAL I am writing to bring to your attention a serious issue regarding my XXXX credit card account that was transferred from Capital One to Comenity Bank. Since this transfer, incorrect information is being reported to the credit bureaus, which is negatively affecting my credit profile. 

Specifically, the following issues need immediate resolution : Incorrect Late Payment Reporting : Late payments are being reported that do not belong to me. My payment history has been impeccable. 
Incorrect Balance Reporting : Despite my account having a {$0.00} balance, the old balance is still being reported. 
I have contacted both Capital One and Comenity Bank multiple times since XX/XX/year> ( at least six times ) to dispute this issue and have also filed disputes with the credit bureaus seven times, yet the inaccuracies persist. 

Capital One has stated they no longer have any records of my account and have refused to assist in verifying my payment history. Comenity Bank, on the other hand, attributes the errors to information provided by Capital One. This back-and-forth is unacceptable, and I request immediate action to resolve the matter. I also File a FTC report and they disregard the information as well. 

As per the Fair Credit Reporting Act ( FCRA ), both furnishers of information and credit reporting agencies have a legal obligation to ensure accurate reporting. I request the following actions be taken promptly : Correct the payment history to reflect perfect payments as per my record. 
Update the balance to reflect {$0.00}. 
Please provide me with a written response detailing the steps you will take to correct these inaccuracies. If the matter is not resolved promptly, I may be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 

I appreciate your immediate attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my secured credit card online with a security deposit of XXXX. My current balance is actually - {$1.00} because of an overpayment that I did on XX/XX/XXXX. XXXX with Capital One said I won't get my security deposit back for up to 2 billing cycles which puts me over XX/XX/XXXX. I have another credit card with them, that I paid and a checking account, and they will only issue my security deposit back in a form of a check. It's ridiculous that my card is paid in full and my funds won't be returned back to me for over a 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
METHOD OF VERICATION REQUESTED & DEBT VALIDATION CLAIM : According to the Fair Credit Reporting Act 15 USC 1692 ( g ) & 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am disputing the inaccuracy on my credit report. I previously requested a description of the procedure which was used to verify and determined the accuracy of the information regarding this alleged debt that I never received. Therefore, I am requesting a description on the procedure that was used to determine the accuracy and completeness of the information that I disputed. 
Who did TRANSUNION interview regarding this account? 
How did you come to this determination? 
Please send me a full payment history of this account A copy of any insurance claims on this alleged debt A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! 

XXXX XXXX Account Number : XXXX Please remove from my credit report. 

According to the Fair Credit Reporting Act, I hereby request that you investigate and delete THIS from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 5 days of receiving this letter. 
Thank you for your assistance and attention to this matter. I represent myself without any third parties or credit repair agencies.

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 2025-01-10 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 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: MD

Complaint narrative:
In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX  XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.

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 2025-01-10 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: MD

Complaint narrative:
In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXXXXXX XXXX XXXXXXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX  XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX  closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.

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 2025-01-10 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:
After several notices of my PII being leaked in several data breaches and information that my PII was found on the XXXX XXXX, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies with no success as the companies have the information provided by the bad actors and not information that I can verify to be true and accurate. I disputed the information several times with the 3 major credit reporting agencies yet their actions show that they believed they were entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the inaccurate fraudulent info has interfered with my ability to participate in interstate commerce.

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 2025-01-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Amount : {$940.00} Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone.

Written correspondence sent to my home or email address.

Any form of communication with third parties, including my employer or family members, regarding this matter.

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue.

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief