vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MS

Complaint narrative:
I need to re-document and refile this grumbling to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
Oliphant USA llc have my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-17 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: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
Two issues : 1. ) A collection account is on my credit report for which I have no association with. 
XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$480.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} Highest balance - Terms 1 Months On record until XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ) An address is on my credit report that I've never lived at, think it's associated with the collection account. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex I've tried to dispute and have had no luck. I've never lived in Texas and have no accounts associated with utilities in Texas.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am signed up with Experian for identity breach notifications. I received the attached notification. The email is my primary email ( XXXX ) which I have had for XXXX years. The other personal information in the notification is not mine. It concerns me a great deal that Experian has exposed someone elses personal information to me in a notification. It also concerns me that there was no avenue evident to me to report this issue by phone or online to Experian.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

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 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
A landlord at the XXXX XXXXXXXX XXXX  ( now called XXXX ) in XXXX, Oregon fraudulently and negligently charged us a maintenance cost upon move-out. I initially disputed the charges with the landlord/management team at XXXX XXXX XXXX I provided evidence that the company was illegitimately billing for these maintenance costs. The landlord/management company still fraudulently charged me. When I didnt pay the disputed bill they sent it to collections. 

The collection agency I.Q. International Data Inc. sent myself a collection letter. I disputed the debt in writting within 1 day of receiving the collections notice. The collection agency responded by just sending the original bill back to me not acknowledging that the debt was disputed. The collection agency still reported the disputed charges to the credit bureau. Now the collection agency will not confirm that they received my dispute letter even though I have the letter they sent back to me in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
I was cheated out of thousands by crypto.com I was sold unregistered tokens that resulted in a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
This company contacted me stating I owed a debt that didn't exist. I contacted the original healthcare provider to confirm this. The healthcare provider sent all supporting documents showing I owe no debts. This company stated to provide all supporting documents in which I did. Now they are not responding to me when I ask for confirmation. I have sent four emails asking for assistance. They only continue to send me letters in the mail and ignore what I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
Dear cfpb /cash app I am writing to express my extreme dissatisfaction with the recent handling of my account. I am currently unable to access my {$50.00} in the XXXX section of my account. I have attempted to withdraw this money and close my account, but I am being blocked. 

I have already verified my identity, yet I am still being asked to do so. I do not wish to verify my identity further and I do not want to close my account without receiving my {$50.00}. This is my money and I am entitled to access it. 

I demand that you immediately release my funds and allow me to close my account without any further verification. I have not engaged in any fraudulent activities or violated any terms of service. 

If this issue is not resolved promptly, I will be forced to pursue further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
They either disable auto pay with no notice or the auto pay doesn't show an effective time and they charge a late fee. The posted charge even says auto pay but they still charged a late fee. This has happened 5 different times. They need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received a phone call from someone in my cell phone contacts. When answering, it had an automated message that said to please hold and then played elevator music. I hung up and checked my recent calls and saw that a XXXX number had added itself to a contact in my phone. When looking up the number, I see that it is Midland Credit Management who have been calling and mailing me about a debt that is well past the statute of limitations. I block every number they call me from. 

I dont know how they added themselves to a contact in my phone but there is no way this is ethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-17 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: TN

Complaint narrative:
Subject : Urgent Complaint : Experian 's Continued Violations and Negligence Dear XXXX XXXX XXXX I am writing to escalate my ongoing complaint against Experian Credit Bureau due to their persistent negligence and violations of credit laws. Despite multiple attempts to resolve the issue of fraudulent items on my credit report, Experian has failed to respond and take corrective action. 

On XX/XX/year>, I sent a notice via priority mail, which was confirmed to be delivered to Experian with tracking number XXXX. Despite this communication, Experian has not acknowledged receipt of the notice or taken any steps to remove the fraudulent items from my credit report. This lack of response and inaction is unacceptable given the serious nature of the inaccuracies on my report. 

I have been tirelessly engaged in this dispute with Experian for a total of 90 days, during which they have continuously failed to cooperate and rectify the situation as required by law. Their blatant disregard for the Fair Credit Reporting Act ( FCRA ) and 15 US CODE 1681N, which allows for legal action against credit reporting agencies that fail to correct inaccuracies, is deeply concerning. 

In accordance with the law and my rights as a consumer, I am prepared to take legal action against Experian for their continued violation of credit laws. I demand the immediate removal of the fraudulent items from my credit report and the necessary corrections to restore the accuracy of my credit history. Failure to comply will result in legal action seeking damages of $ XXXX for each inaccurate and fraudulent item reported by Experian. 

In addition to failing to address the inaccuracies on my credit report and disregarding the notice sent via priority mail, Experian 's practice of removing and re-adding items exacerbates the already troubling situation. This erratic behavior not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of my credit history. 

Experian 's repeated violations of the FCRA, particularly Sections 611 and 623, are clear in their failure to maintain accurate credit report information and their inconsistent reporting practices. By continuously removing and re-adding fraudulent items without proper verification, Experian is not only disregarding my rights as a consumer but also perpetuating the harm caused by the inaccuracies on my credit report. 

The persistent delays, stress, and financial implications caused by Experian 's negligence have reached a breaking point. I urge the XXXX XXXX XXXX to intervene promptly and ensure that Experian upholds their obligations under the law. 

Thank you for your attention to this urgent matter.

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 2024-06-17 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: FL

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 List all accounts : XXXX - XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A fraudulent account was opened in my name. This account is now being collected by a collection company. The company has refused to provide the requested documents that i have written on 3 separate occasions. A formal complaint was placed with the FTC, cfpb and all 3 CRA 's, and they did nothing. Now that i know its a fraudulent account i am herby notifying all 3 bureaus and the CFPB, The FTC and the company. I recently was made aware that 3 separate accounts were fraudulently opened in my name and have since placed a fraud report on Identitytheft.gov and have named this company in the findings. The company was made aware the account was not started by me and refuses to remove or provide competent evidence the account belongs to me. I have notified the collection agency that the account is fraudulent via mail and phone and they refuse to send fraud documents and are still trying to collect the debt in violation of FTC 's notice to furnishers of information guidelines. This account is fraudulent and was not authorized or started by me. The company should have no problem providing a signed contract, or note with my signature if the account is valid. The reason they can not is because the account is fraudulent. Verifying my address and name can be done with a phone book and is not proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX  XXXX XXXX, XXXX has not only called several times, they have now sent letter via USPS received today, XXXX. I have advised them to cease and desist this is not my debt. However they continue to reach out, trying to steal monies. They claim that the debt is from XX/XX/year>. I have written a letter today to advise them again to cease and desist.

Company response to consumer: Closed with non-monetary relief