vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've contacted all 3 credit reporting agencies and all creditors and have been very unsuccessful with resolving this issue. 


This account is not mines and to add it's also reporting inaccurate information that belongs to someone else. The collection account in the amount of {$700.00} and dated opened XX/XX/year>. The company name is XXXX XXXX XXXX. I have never opened an account with this company and have no knowledge of this company. 

I've uploaded my credit reports, and all highlighted areas of each account is inaccurate on every account such as my names and address need to be updated on all 3-credit reporting agencies. I requested All past employment to be removed and have been ignored by all 3 credit reporting agencies. 


These hard inquiries are not mines and are fraud. 

Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information needs to be updated listed below Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challengeXXXX XXXX XXXX XXXX XXXX XXXX Not Mines Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that

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 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had money saved in my XXXX XXXX XXXX account because I needed that money to XXXX XXXX XXXX for a family matter so I try to log in to my account and it was not letting me so I contacted XXXX XXXX customer service support it took me 5 days to get access to my account just too Find out that my account was close and my money was gone I really need that money to XXXX my XXXX XXXX thats the reason I was saving it to hire a XXXX XXXX I try to fix the problem with XXXX XXXX but they refuse to cooperate with me and I am the owner of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased XXXX items And set up payment with my XXXX XXXXXXXX credit card not realizing that they applied my Amazon credit card to the account unknown to me however, I was billed for XXXX items That I purchased thinking that my credit card payment was coming out of my XXXX XXXXXXXX credit card. I received a text notice that I needed to pay the bill bill so I went to the Amazon account and it showed XXXX balance due. Therefore, to me, the text message was a scam, not realizing that I was going to get a text message instead of a statement. Im still not understanding how the payment structure is not showing on the Amazon account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-02 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: HW Holding, Inc
State: MI

Complaint narrative:
I Look at my collections see that incorrect information on there hunter warfield inc never did anything with them wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TX

Complaint narrative:
Validate of Debt Request XXXX First class mailed out : XX/XX/year> XXXX Date received : XX/XX/year> Mailed to : Experian, XXXX, XXXX Cost Amount : {$5.00} Reinvestigation : Validate of Debt request, Please supply how information was verified by furnisher, debt collectors, and original creditors. 

XXXX XXXX XXXX mailed out : XX/XX/year> XXXX Date Received : XX/XX/year> Mailed to : Experian, XXXX, XXXX Cost Amount : {$5.00} Credit bureau has been in non-compliance with my request, there is inaccurate information along with identity theft on my consumer report. I have attached all the documents submitted below.

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 2024-06-02 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: PR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX XXXX XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account XXXX XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Past Due Balance : XXXX XXXX on a charged off account. 


for violations of FCRA Section 611 and 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, deleting accounts and reinserting without 5 day advisement. 

XXXX XXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

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 2024-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone opened a capital one credit card without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX transfer of XXXX i did not authorize it was not me please refund me

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 monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I recieved an Email from Paypal, XXXX  morning XX/XX/2024. It was a receipt for a purchase on my XXXX card { XXXX XXXX } that i had linked to my Paypal account for online purchases. I was surprised to see a charge for {$1200.00} from XXXX XXXX XXXX. I called Paypal XXXX morning XX/XX/2024, and reported the unauthorized charge. Today XX/XX/2024 paypal sent email to me, saying : Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal XXXX XXXX. But paypal did provide me with a XXXX tracking number they recieved from XXXX XXXX XXXX, who handles orders for XXXX XXXX. XXXX 's tracking infomation states package was delivered to XXXX, XXXX  XXXX, and was signed for by XXXX XXXX. { who apparently stole my paypal credentials some how } and made an online purchase at XXXX XXXX online. I have documentation for Paypal tranaction receipt and XXXX proof-of-delivery for tracking number. 
My Paypal account Profile associated with this order will verify my name and address, i did not receive this order and did not sign for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I had difficulty applying for the XXXX Citibank credit card because their online system required a first and last name. After speaking with Citibank 's customer service team on the phone and getting nowhere, I spoke with XXXX 's customer service team who then called Citibank 's customer service team on my behalf to inquire how to assist me. The Citibank agent advised it would be best to split my name online and if approved, I could then request my name be corrected after I receive the card. 
XXXX XX/XX/XXXX, I sent a letter along with a copy of my Texas Driver 's License and a copy of my Social Security card to Citibank requesting my name be corrected to reflect what it is legally. 
I received a response from Citibank XXXX XX/XX/XXXX stating they were unable to process my name change request as I needed to provide a first name or first initial along with a last name. 
XXXX XX/XX/XXXX I wrote another letter and sent again a copy of my Texas Driver 's License and a copy of my Social Security Card along with a copy of their response dated XXXX XXXX. In this letter I advised I am providing proof of what my legal name is. There is no first initial nor first and last name. In addition, I highlighted what I was advised when speaking with Citibank 's customer service the day I was applying for the card, that my name on the credit card had to match what was reflected on the XXXX XXXX XXXX, and therefore, since my XXXX XXXX XXXX XXXX reflects my name correctly, I request Citibank do so as well. 
XXXX XX/XX/XXXX, I received a response from Citibank : 'Please be informed that changing the name on the account to a one word name is unacceptable '. 

What is unacceptable is a publicly traded company 's inability to accept a person having a mononym and accommodating said person 's request to have their name reflected legally correct on their form of payment supplied by said 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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individuals to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 2024-06-02 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: AL

Complaint narrative:
15 U.S Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2024-06-02 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: AZ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-06-02 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: AZ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is attempting to collect debts that are outside of the statute to collect. They are reporting these debts on my credit report. One debt, another company ( XXXX XXXX XXXX ) took me to court to sue for the debt, the judge ruled in my favor and the debt was dismissed. I believe I just paid Portfolio Recovery {$410.00} on XX/XX/XXXX to settle this debt that was already dismissed. They purchased this debt somehow for {$830.00}. I disputed 2 other debts they have 1. they claim from XXXX for {$470.00} and another from XXXX for {$930.00}. They are claiming the 2 debts that I disputed were " charged off in XXXX ''. I don't have ANY accounts that were open in XXXX, that is the year I graduated HIGH SCHOOL. The name on my birth certificate at the time wasn't even correct for any credit accounts to even be opened. This shows they purchased debt without complete information and are trying to collect on it. They couldn't prove any of these debts are mine to begin with. I only settled the debt that I did pay with them because me and my husband are trying to buy a home and this on my credit report is hindering us being financed. They called me and told me that the disputes, for the other 2 debts they have, were ruled in their favor and I have to pay. They are also now reporting these on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Sir i am on XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX i offer Midland Credit Management XXXX {$10.00} dollars a Month to start settling a credit card debt they would not except the pay. and started threatened legal action against me and to and XXXX XXXX XXXX XXXX XXXX Benefits after I told them this is illegal. 


Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief