vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit report onXX/XX/XXXX at Transunion and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

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

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 explanation
Consumer complaint received 2023-02-25 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: AL

Complaint narrative:
Upon checking my consumer report. I see that your company is reporting a credit card account that i did not authorized. I did not give your company or any one else permission to run my information to open this account. Any account open with your company is fraudulent. I did not give your company authorization to open this account up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$8.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$11.00}.

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 non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: IL

Complaint narrative:
United Revenue Corporation added another collection after them finally being erased onto my credit report without my knowledge. I have never used them as a creditor. I filed two police reports in XXXX when I first acknowledged on my report with XXXX, and another report in XXXX stating to remove this from my credit report as they had reached a wrong party. I have never used them as a creditor. I didn't get a reply back. The Collection is now open for {$1200.00} again. I have sent in multiple disputes and letters asking for this to be removed from my credit report. I also filed a dispute online with XXXX, asking for a signature proof to identify who the person was to rectify the situation, but XXXX would not provide this to me. They stated they verified that the account was mine which is not true. I sent in another letter XX/XX/XXXX I also sent a letter XX/XX/XXXX. This was the last contact. The letter was also sent by certified mail as well to XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Recently I check my consumer report and see that your company is reporting a credit card that been open in my name. I never gave your company or anyone else authorization to open up this account in my name. I see that it is another person name on the account. I do not know this person and know that this account was open fraudulently. I have tried to work with your company to get this resolve but your company is standing strongly that this account is accurate. I did not sign any document or give permission to have this person and company run my name through any systems. I have been harassed and threated by this company to take legal actions.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
The accounts listed below has violated 15 U.S.C 1681, section A. states I have the right to privacy, U.S.C 1681, section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C. 1681c ( aX5 ) section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse items or information, other than records of convictions of crimes which antedates to more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reason to cause to believe that the information is inaccurate. 

The accounts below violate my right to privacy, and were reported to the consumer without my instructions, they also contain adverse information. 
1 ). XXXX ACCT # XXXX, 2 ). XXXX ACCT # XXXX 3 ). XXXX ACCT # XXXX 4 ). XXXX XXXX ACCT # XXXX 5 ). XXXX XXXX ACCT # XXXX 6 ). XXXX XXXX  XXXX ACCT # XXXX 7 ). XXXX ACCT # XXXX 8 ). XXXX XXXX ACCT # XXXX 9 ). XXXX XXXX ACCT # XXXX 10 ). XXXX XXXX acct # XXXX ( XXXX ) 11 ). XXXX XXXX acct # XXXX XXXX XXXX 12 ). XXXX XXXX acct # XXXX XXXX 13 ). XXXX XXXX  acct # XXXX XXXX XXXX 14 ). XXXX XXXX  acct # XXXX 12 XXXX XXXX XXXX 15 ). XXXX XXXX acct # XXXX XXXX XXXX  16 ). XXXX XXXX acct # XXXX **** XXXX 17 ). XXXX acct # XXXX 18 ). XXXX XXXX acct # XXXX 19 ). office of the attorney general ( child support ) more than 7 years and paid Acct # XXXX, been on report over 11 years 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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Collection Account by the name : CONVERGENT OUTSOURCING Date Opened : XX/XX/2022 Contacted the company via phone to request method of verification for the account. Received no response or pickup from the company.

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 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
Loan amount {$500.00} taken by me on XX/XX/23 No explanation of the Finance charges {$1800.00} or Annual percentage rate XXXX % by a representative I was just told to sign the forms. I later realized this annual percentage rate was not normal for personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
Venmo froze my account I can't access my funds for 180 days at no fault of my own all be because I disputed a couple of purchases that I did not authorize pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: AZ

Complaint narrative:
Haven't been able to access my money since i opened the account, they restricted my account without any forewarning, they aren't open on the weekends so I want without being able to access funds, no communication on their end unanswered emails and the automated system kept telling me that my info didn't match what they had XXXX file. Account was unrestricted for a day and they restricted it once again, still haven't recieved a response from the dozen emails I've sent, they keep declining my ACH transactions. I just want my money so I can close the account and take my business elsewhere. XXXX is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : 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 have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

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

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$110.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 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

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation