vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX {$1200.00} Ask for docs no responses Also it say it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-02 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: EQUIFAX, 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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Fraud Dispute Name : XXXX XXXX XXXX : XX/XX/XXXX Social Security # : XXXX To whom it may concern, Subject : Fraudulent Items on Credit Report ( Transunion ) As I reviewed my recent credit report I have discovered that there are fraudulent activity ongoing with my credit. I have fully reviewed my credit report and would like to request that the items listed below be removed pursuant to federal law. 
I am demanding that these items be removed immediately as I am providing you with my proof of identity, police report, and identity theft affidavit. I will not hesitate to file a lawsuit if these items are not removed within 30 days. 


ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT BALANCE : {$19000.00}. DATE OPENED : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX. ACCOUNT # : XXXX. ACCOUNT BALANCE : {$46000.00} DATE OPENED : XX/XX/XXXX. 
XXXX XXXX ACCOUNT # : XXXX. ACCOUNT XXXX {$4000.00}. DATE OPENED XX/XX/XXXX. 
XXXX XXXX. ACCT # : XXXX. BALANCE {$3800.00}. DATE OPENED XX/XX/XXXX. 

XXXX  TO BE REMOVED XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ). ACCOUNT # : XXXX. ACCOUNT XXXX : {$420.00}. DATE OPENED : XX/XX/XXXX. 

INQUIRIES TO BE REMOVED : XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXXXXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Protection Bureau , I am writing to formally request an investigation into a matter involving Revolut, a financial services platform. On XX/XX/year>, Revolut made a decision to close my account without providing any clear justification, and as of today, my funds have not been returned. 

The issue originated when a series of chargebacks were made in error against transactions that I conducted with a friend, XXXX XXXX XXXX username : @ XXXX ), through the Revolut app. As evidenced in the attached conversation, XXXX confirmed that the chargebacks were mistakenly applied and that he initiated a dispute for something unrelated to my transactions. Despite this, Revolut has not rectified the issue. 

After contacting Revolut support, I was informed that the matter would be investigated. However, Revolut proceeded to close my account, and I am yet to receive a refund of my funds, which totals {$2500.00}.

I believe that Revolut 's actions are unjust, and I kindly request that the Consumer Protection Bureau investigate this matter. Attached to this letter are screenshots of my conversation with both XXXX and Revolut support for your reference. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. 
XXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: Self Financial Inc.
State: IL

Complaint narrative:
On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent XXXX dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. 
XXXXXX/XX/XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX Account # XXXX XXXXXX/XX/XXXXAccount XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently received a copy of my Experian credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

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 2024-09-02 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: VA

Complaint narrative:
In XXXX, I sent 6 accounts to XXXX XXXX XXXX so they could negotiate a reduced payment on my credit accounts. They froze all of my credit cards and loans and began negotiating with my creditors, including XXXX. They also paid off all six creditors. For this particular account ending in XXXX XXXX they paid XXXX {$5300.00}, then paid another third party company {$5300.00} and then for some reason it went back to XXXX and I had to pay a third time {$5300.00} in XX/XX/XXXX. So I have paid three times. Now my credit report says I still owe XXXX over {$6000.00} but I have a settlement letter saying it was paid. I have attempted to remove this multiple times and even called the company directly but both all credit reporting agencies say it is valid and will not remove it, even though I show them proof of payment from XXXX as well as the settlement letter from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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 am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, US dept of Ed opened on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and 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 2024-09-02 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 am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and 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 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to 15 U.S. Code 1692 ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : 1. The name of the creditor to whom the debt is owed to 2. The amount of the alleged debt 3. A statement showing proof that you put me on notice that this debt would be assumed to be valid within 30 days I have never been notified that this debt would be valid by your company within 30 days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section 15 U. S. Code 1692 ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 

Please provide me with the above following information that is requested. 
I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

Affidavit Of Truth Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 
Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt collectors Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that Contract Callers Inc., is aware and has proof that Contract Callers Inc., is in violation of 15 U.S. Code 1692 ( d ) ( g ) ( a ) and 1692 ( c ) shown in Exhibits A & B In Witness Whereof, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: PA

Complaint narrative:
XX/XX/XXXXXXXX took for ever to disconnect the power as sending out a closing bill. 
Nevada power rep kept telling me that some one get back to me and never did. 
XX/XX/XXXX first bill was disputed being no one was living at the said address. 
I disputed the first bill in which took nevada power to mail out. 
There was no notice mail to me by Nevada power as the dispute was going on and XXXX XXXX Collections for XX/XX/XXXXXXXX never mail me to letter to dispute the claim byXX/XX/XXXXXXXX being it took them forever to resolve the issue. 

XXXXXX/XX/XXXXreps was not following up to correct anything and every time you call you get someone total lost to the problem. 

Nevada power never mail me no finale notice during the time I had an issue with the bill. 

The bill was resolve withXX/XX/XXXXXXXX not XXXX XXXX Collections and the finale bill was Paid to XX/XX/XXXXXXXX. 

XXXX XXXX Collections had no right to place no collections while dispute was going on nor was i notified by any letter while in dispute.

Company response to consumer: Closed with explanation