vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I recently opened a joint checking account with my partner at Ally Bank to combine our finances and pay for things together. But then when I had a wire transfer come into our account from a family friend, and we wanted to invest that money into XXXX brokerage account, Ally flagged our account as fraud and froze all our assets. Completely unreasonable, and now we cant access our bank account that holds over {$300000.00}. We need this money, now. Ally has no right to hold onto our money and block us out and not answer our daily phone calls to the investigative team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I ordered a recliner from XXXX for {$260.00} using PayPal as the checkout method. On XX/XX/XXXX, it was apparent that the product was not going to arrive. I asked the seller on XXXX for tracking information and they kept sending me random tracking numbers that do not go to my address. Eventually on XX/XX/XXXX, they went as far as forging documents showing that I signed for the item even though I did not receive it. XXXX was not helpful in processing a refund. They kept saying they would, but never did. 

On XX/XX/XXXX I opened a dispute with PayPal to resolve the issue. PayPal went through the normal process of requesting tracking from the seller. On XX/XX/XXXX the seller again provided fake tracking information that wasn't even to the same state as my delivery address. I pointed this out to PayPal and the seller was given another opportunity to respond. Then on XX/XX/XXXX, they send another tracking number that is for my same city, but it is not for my address. PayPal immediately closed the case and resolved in the seller 's favor without even verifying any information with me. 

I now see this XXXX seller has many negative reviews stating this same scam. This seems to be a common scam on XXXX. PayPal has been extremely irresponsible in their handling of this dispute and they should be more diligent if they are going to operate in high risk marketplaces like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I CAN NOT USE THIS CARD AT SEVERAL ONLINE RETAILERS. THE ONLY INFORMATION I RECEIVED WAS TRY AGAIN LATER OR USE A DIFFERENT MERCHANT. NO REASON FOR CARD BEING DECLINED IS GIVEN JUST TOLD TO TRY AGAIN IN 24 HOURS. ALSO IS THE CREDIT ON THIS CARD VALUED IN A DIFFERENT MANNER THAN CASH? WHY CAN I NOT EXCHANGE IT FOR CASH? WHY IS THERE NEVER A REASON GIVEN FOR DECLINE. WHY DOES VANILLAFGIFT.COM WEBSITE NOR WORK [

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
Im a victim of data breach and the information is not accurate. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Today, I saw inaccurate accounts listed on my credit report and cant understand how they got there. I routinely check my report, but this time unusual errors appeared. I tried refreshing my browser, assuming it could be a technical issue, but the accounts didnt disappear. Therefore, Im asking for a careful review of the documents I provided to ensure this problem doesnt happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I need the Debt Validation Claim, original signature on contract, the payment history, I need change of title of the Debt & if there was any insurance claims found 15USC1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld System Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing regarding the above -referenced account. Please note that I am not disputing this account today. However, I kindly request that you provide the following information for my records. 

The Date of first delinquency for this account The Date of last payment made on this account The date of change -off for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there, personal information has been exposed with dada breaches from 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Lack of Response to Request for Contract/Promissory Note Company : Community Choice Financial Family of Brands dba Instaloan Dear, Consumer Financial Protection Bureau I am writing to formally file a complaint against INSTALOAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to respond to my written request for important documentation related to a transaction I conducted with them On XX/XX/year>, I sent a letter addressed to the General ManageXXXX XXXX XXXX XXXX XXXX XXXX of INSTALOAN requesting a complete and accurate copy of the contract or promissory note for a transaction that occurred on XX/XX/year>. This request was sent certified mail, and I have confirmed that the letter was correspondence or response from INSTALOAN addressing my request. Under Truth in Act 9 15 U.S.C & 1601 consumers have transparency and equitable treatment in financial transactions. 

This lack of communication is unacceptable and has raised further concerns about the transparency and integrity of their operations. The reason for my initial request was due to suspicions of potential discrepancies or fraudulent activity related to the transaction. Obtaining a copy of the original contract or promissory note is crucial for verifying the accuracy of the terms and conditions associated with this transaction. 

I kindly ask for your assistance in resolving this matter. I believe it is essential for businesses to operate transparently and responsibly, especially when handling financial agreements. 
INSTALOAN 's failure to address my concerns in a timely manner is a serious issue that warrants immediate attention. 
Please let me know if any additional information is needed to support my complaint. I look forward to your guidance on the next steps to ensure this matter is resolved promptly. 

Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : 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 2025-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>2025. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Last but not least XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX XXXX, XXXX. I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with National Credit Systems for the amount of {$9800.00} Credit cards XXXX XXXX XXXX and XXXX XXXX accounts totaling {$930.00} and {$720.00} Collection account with XXXX XXXX XXXX XXXX for the amount of {$1500.00} Collection account with XXXX XXXX XXXX for the amount of {$1600.00} Credit Card : XXXX XXXX for {$80.00} Multiple unauthorized inquires from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX XXXX XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX XXXX XXXX I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with XXXX XXXX XXXX for the amount of {$9800.00} Credit cards : XXXX XXXX and XXXX XXXX accounts totaling {$930.00} and {$720.00} Collection account with XXXX XXXX XXXX XXXX for the amount of {$1500.00} Collection account with Jefferson Capital XXXX for the amount of {$1600.00} Credit Card : kickoff lending for {$80.00} Multiple unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX XXXX XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692

Company response to consumer: Closed with explanation