vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I was signed up by a salesman for XXXX XXXX XXXX but they never told me I was signing up for a credit card or that there would be a contract for the XXXX XXXX I just randomly got this credit card in the mail and they keep saying I agreed to it and I never did. 

I was told I would get a free security system not a terrible credit card with huge interest XXXX  and fortiva both refuse to help me they just say I need to pay them XXXX XXXXXXXX XXXX  for something I didnt even know about let alone agree to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection Account Reporting Subject : Request for Removal of Collection Account Based on Consumer Protection Laws Dear XXXX, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX, account number # XXXX. The account is reported as a collection item, and I believe this information is either incorrect or incomplete.

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be reviewed and removed from my credit report. Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. In this case, I believe the following may apply : 1. Account Information is Inaccurate : XXXX XXXX XXXX # XXXX Reporting inaccurate account status.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Consumer rights have been violated by improper reporting information.

I request that you investigate this matter and remove this collection account from my credit report if it can not be verified as accurate and complete. As per the FCRA, you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified, the collection account must be removed.

For your reference, I have included supporting documentation that may help in resolving this dispute, such as : Correspondence with the creditor or collection agency.

Dispute letters sent to the collection agency ( if applicable ).

If this collection account is found to be inaccurate or unverifiable, I request that you update my credit report to reflect the correction.

Please notify me in writing of the results of your investigation, as required by law. If you require any further information or documentation, please feel free to contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection Account Reporting Subject : Request for Removal of Collection Account Based on Consumer Protection Laws Dear XXXX, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX, account number # XXXX. The account is reported as a collection item, and I believe this information is either incorrect or incomplete.

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be reviewed and removed from my credit report. Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. In this case, I believe the following may apply : 1. Account Information is Inaccurate : XXXX XXXX XXXX XXXX XXXX Reporting inaccurate account status.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Consumer rights have been violated by improper reporting information.

I request that you investigate this matter and remove this collection account from my credit report if it can not be verified as accurate and complete. As per the FCRA, you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified, the collection account must be removed.

For your reference, I have included supporting documentation that may help in resolving this dispute, such as : Correspondence with the creditor or collection agency.

Dispute letters sent to the collection agency ( if applicable ).

If this collection account is found to be inaccurate or unverifiable, I request that you update my credit report to reflect the correction.

Please notify me in writing of the results of your investigation, as required by law. If you require any further information or documentation, please feel free to contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations.

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
We had extensive exterior & interior home damage- it took 6 weeks after the completion of the exterior for the remaining XXXX to be sent to us to give our contractor final payment. 

Interior was gutted in XXXX & we have been in a hotel since XX/XX/year>. The interior project was submitted to XXXX XXXX and approved. XXXX XXXX sent check for XXXX in XXXX, Escrow still had a few thousands- the current total they hold is {$39000.00}. XXXX XXXX notified us via email that on XX/XX/year> additional funds of {$47000.00} was mailed to us with mortgage company on the check. We are still waiting for that delivery, but mortgage company was given the confirmation of payment email from XXXX XXXX. We have been trying to obtain funds for the project to begin with XXXX XXXX, they require payment in full prior to ordering materials and starting the job. All documents ( XXXX XXXX approvals & XXXX XXXX  quotes ) were forwarded to the loan escrow company. We have been aggressively pursuing the escrow company and are not making any headway ( supervisors not avail, calls not returned ) and I have been told that the inspections was done and funds will be mailed out, only to find out no other things need to occur, what I'm not sure. Meanwhile out XXXX XXXX quote will increase due to material cost- as this has been going on since XXXX. We are told by XXXX XXXX that materials will take 6-8 weeks delivery once ordered and then the reconstruction. I am reaching out because we have no recourse, this was not a planned remodel and we do not have XXXX to front, even if we had available credit card limits we would incur interest fees that we can not pay for, nor should we have to as XXXX XXXX approved the project. This is also a VA loan. PLEASE HELP

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 2025-01-02 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing this report of identity theft here are the dates and what was loss. creditors and account number etc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I discovered this theft recently and I will upload all my documents via the credit bureaus wesbites I didn't apply for XXXX XXXX XXXX under the XXXX XXXX XXXX and XXXX these items must be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PR

Complaint narrative:
XXXX and Transunion, XXXX, and XXXX XXXX XXXX have been incorrectly reporting a XXXX Account for a vehicle in XXXX  for years. The open date, the closed date, and the payment history are all inaccurate. 

Under the FCRA XXXX XXXX XXXX and FTC report that I submitted over XXXX, the information is still being reported inaccurately. Due to its year of maturity, I also asked for a removal of my credit report as it has been reported inaccurately, and my credit is affected. 

This account has already been written off by the account merchant and they never gave me the tax form XXXX - the cancellation of debt, and non-compliance with XXXX. 

I've contacted the XXXX  in regard to this account.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX and XXXX, Equifax, and XXXX XXXX XXXX have been incorrectly reporting a XXXX Account for a vehicle in XXXX  for years. The open date, the closed date, and the payment history are all inaccurate. 

Under the FCRA XXXX XXXX XXXX and FTC report that I submitted over XXXX, the information is still being reported inaccurately. Due to its year of maturity, I also asked for a removal of my credit report as it has been reported inaccurately, and my credit is affected. 

This account has already been written off by the account merchant and they never gave me the tax form XXXX - the cancellation of debt, and non-compliance with XXXX. 

I've contacted the XXXX  in regard to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-02 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 don't recognize this address. please delete this 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and noticed an unauthorized hard inquiry initiated by Sams Club Business Credit Card. I did not apply for this account or authorize the company to access my credit report. 

Actions Taken : XX/XX/XXXX : Upon discovering the unauthorized inquiry, I immediately contacted the credit bureaus reporting the inquiry to file a dispute. 
A request was made to investigate the legitimacy of the inquiry and remove it if it could not be verified as authorized. 
XX/XX/XXXX : I reached out to Sams Club Business Credit Card to request an explanation for the inquiry. 
I was unable to obtain any evidence or documentation demonstrating that I had authorized the credit pull. 
XX/XX/XXXX : A formal dispute letter was sent to the credit bureaus ( XXXX, XXXX, and XXXX ) with supporting documentation, including a copy of my credit report highlighting the inquiry and proof of identity. 
A formal report was also made to the Federal Trade Commission ( FTC ) regarding this unauthorized activity. 
Outstanding Issues : To date, I have not received any resolution or confirmation that the inquiry has been removed from my credit report. 
I have not received evidence from Sams Club Business Credit Card proving that I authorized this credit pull. 
Impact and Request : This unauthorized inquiry has negatively affected my credit score and raises concerns about the potential misuse of my personal information. 

I am requesting the CFPB to : Investigate the legitimacy of this inquiry. 
Ensure that appropriate actions are taken to remove the inquiry if it can not be verified as authorized. 
Hold the responsible party accountable for accessing my credit report without proper consent.

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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I made an online purchase in the amount of {$180.00} from the website XXXX  using PayPal to process the payment. The website advertised high quality, cotton and linen women 's fashions. When my product arrived from XXXX, I knew I had been scammed. I received cheap replicas made with poor-quality materials that did not match the original product descriptions, constituting knock-off or inferior substitutes. I immediately did a search on the website ( berating myself for not searching before my purchase ). I came up with a number of independent verifications that this was a fraudulent website. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal immediately and disputed the charge, citing the independent sources that verified this was a fraudulent website. PayPal contacted the seller who offered to accept a return and refund me {$170.00} if I returned the product to XXXX at my own cost. The cost for the return shipment was {$120.00}. There was no way I was going to risk any more of my funds and the seller knew it. This is how these sites operate. So, as I received a " product '' and the company offered a refund if I returned it, PayPal settled the dispute in favor of the seller. 

While I understand the concept of " XXXX XXXX '', PayPal is legitimizing these fraudulent sellers by processing payments for them. While XXXXXXXX XXXX  role may not be XXXX, it certainly is XXXX. They do little or nothing to protect consumers who use their payment processing service. I should also note that when I refused to return the product and provide tracking information, PayPal would not permit any further discussion on this dispute. 

I am requesting that PayPal reverse their decision on the dispute and return my {$180.00}. In addition, I am requesting that PayPal review this seller 's account because they are certainly in violation of XXXXXXXX XXXX own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: DC

Complaint narrative:
Date : XX/XX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information. 
These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines. 
In accordance with 15 USC 1681i ( XXXX ), I remind you that you must complete the reinvestigation within XXXX  days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.

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