vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: NY

Complaint narrative:
THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX  Installment Loans XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Dealers , Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS XXXX XXXX XXXX THEY MUSTVE TAKEN MY INFORMATION

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 2024-08-18 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-18 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: NJ

Complaint narrative:
I am disputing these agencies claim : ( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX XXXX # XXXX ; And I am requesting validation from you pursuant the Fair Debt Collection Practices Act,15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which Im allowed under the FDCPA. TransUnion has continue to report this on my credit knowing they did not receive proper documentation neither did the consumer receive documents for these account to be added to my 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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
I switched from XXXX to XXXX XXXX XXXX XX/XX/XXXX -. XXXX later took out {$1400.00} from bank account XX/XX/XXXX. I had access denied online to view detailed report of account to see what I was charged for. When I called XXXX directly they said to just go through my account- Which i stated i did not have access as i no longer had an account. They stated I owed the money- I said please send an itemized description by mail to show what the debt was for. They began to tell me over the phone and i stated again, please send this in writing. They said ok i will receive within 7-10 business days. In the meantime, I disputed with my bank on the charge. I never received documentation from XXXX on a detailed itemized list of what the charges were for and my bank after 45 days also did not receive any communication from XXXX stating it was my debt so my bank closed the dispute and I was able to keep the {$1400.00}. A month later i began to receive emails stating i still owed XXXX with the amount of {$1400.00} and only that amount. Nothing else shown as to what the debt was for, no itemized list. They then charged off the account and sold to third party XX/XX/XXXX who is now trying to have me process for a payment of 40 % less to settle. I still have not received any documentation of what the {$1400.00} is for and why I was charged for this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with Prosper Funding LLC regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tilt Finance, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX Todays date : XX/XX/XXXX Empower Finance XXXX XXXX XXXX, Floor XXXX, XXXX XXXX, California XXXX Re : Disputing error [ XXXX ] on credit report Dear Empower Finance, I am writing to request a correction on the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : -Account number XXXX XXXX XXXX, XXXX -The report shows that I currently owe money to your company, which is inaccurate. On multiple occasions, I have attempted to contact your company via email and phone call to determine the exact details of this debt that is currently on my credit report. Your company has failed to find this debt and allow me to legally pay the debt if it was mine. On XX/XX/XXXX, I sent an email to Empower Finance asking what this debt is that has been reporting to my credit report. This debt collector has been negatively affecting my credit and reporting as so. The company stated they sold this debt to another third party debt collector. They provided the number so I can call the third party debt collector. I called the third party debt collector ( Trueaccord ) on XX/XX/XXXX who informed me via email and phone call that they transferred this debt back to Empower finance ( the original debt collector. ) I then forwarded that email to Empower on XX/XX/XXXX indicating that XXXX does not have this debt that they are claiming I owe. XXXX emailed me back on XX/XX/XXXX stating that they would work on the issue. I then called Empower again on the XXXX of XXXX and advised me that they would have a supervisor returning my call to expedite the handling of this lost debt. This account is negatively affecting my credit and is falsely reporting as opened. It is affecting my credit decisions. Please delete this debt. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I notified Transunion to update my XXXX XXXX card to XXXX balance because its paid and they removed it causing my credit to drop XXXX points on 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 2024-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. 

U.S Court of Appeals XXXX XXXX, NO XXXX vs. XXXX XXXX FCRA Section 623 XXXX XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX court case XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). 

FCRA Section 605 ( c )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing a debt reported by National Credit Systems Inc. on behalf of XXXX XXXX XXXX XXXX. The information provided to me is incomplete, lacking necessary documentation and proof of authorization, which are required by law. By failing to provide proper validation, National Credit Systems is potentially violating the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S.C. 1692g, which requires them to provide validation of the debt. Also, reference the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that any disputed information on your credit report must be accurately validated. I requested FULL disclosure of their authorization, but this was not provided.

National Credit Systems Inc. has failed to provide a signed lease agreement or a signed final account statement, which are necessary to validate the debt. Furthermore, they have not provided proof that they are legally authorized to collect this debt on behalf of XXXX XXXX XXXX XXXX. This failure to provide valid documentation violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Attached are copies of the correspondence between myself and National Credit Systems Inc., which highlight the lack of signatures and the absence of proof of their authorization to collect the debt. 

I respectfully request a thorough investigation into this matter. The unresolved issue is negatively affecting my credit profile, and I seek a prompt resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
XXXX  XXXX ID THEFT AND PROMOTION BAIT AND SWITCH : I helped my father apply for the Delta Skymiles card from American Express. The promotional offer was for XXXX miles with XXXX ( if my father spent {$2000.00} after XXXX months ). I remember us clearly selecting this offer because I had passed on the option of referring my father through another offer in which he would have received XXXX miles and I would have received XXXX miles for referring him. However, we selected the XXXX mile offer from the landing page of the landing page of website ( https : //creditcard.delta.com ), which is still available as I am writing ( XX/XX/year> ). The card my father applied for clearly would award XXXX miles if the spending obligations were met. In other words, we clearly remember evaluating and passing on an inferior offer of XXXX miles for my father plus XXXX for me, selecting instead an offer that would provide XXXX miles to my father, so that he could get the miles he would receive through the better offer. We went through great pains to make sure that we applied through the better offer. 

My father received a credit card several days after replying, however it was in my name. The contract was in his name, however, the name on the card was mine. They said that they must have made this mistake because we lived at the same address and I already had a credit card, however, this made no sense at all, because he entered his name, Social Security Card information and personal data. This concern about identity theft -- why did the credit card company issue a card in the name of a person who didn't apply using data that was not entered into the account -- however, when my father called customer service, they told him that he would only get XXXX miles as part of his offer. 

There was no XXXX mile offer when my father applied for the card. There was XXXX if I referred him and XXXX if he applied independently. I was with him when he applied independently using the proper links and choosing the correct promotion, but customer service from Amex XXXX insisted that they would have to open an investigation with marketing to determine how the application was opened and via which link, even though there was no link with XXXX miles as an option and despite the fact that we both recall clearly using the link with XXXX miles as an option to apply. We only became aware of the bait and switch tactic when we called to express our concerns about ID theft ( the issue of the credit card in the name of someone who did not apply ). 
This appears to be a systematic scheme to prey on older people as my father is XXXX XXXX XXXX. It is preposterous that Amex XXXX would not know and need to investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Notice of Pending Litigation Seeking Relief And Monetary Damages Under FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of two written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

1 Transunion XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX XXXX  ) Derogatory marks : XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX. XXXXXXXX XXXX ( creditor XXXXXXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX  ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX XXXXXXXX  Hard inquiries by : Transunion XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately. 

1. Copy of the original contract 2. Copy of payment history 3. Name and address of original creditor 4. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately.

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : 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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My balance is about {$500.00} under the limit but the available credit is only XXXXne dollar. I have been given multiple answers as to why but can not seem to resolve the issue- the available credit is still not correct. It has been in this status for about 5 business days, I filed a dispute today and now I am told the issue is the amount of todays dispute which is not possible, as it has been this way for days. I cant get a straight clear answer as to what the issue is. Calls to the company span from 30 minutes to over 3 hours. I need help resolving the problem and am tired of always speaking to a new person. Today after being on the phone for over 30 minutes speaking to multiple departments, I was supposedly transferred to a supervisor, but I was transferred and told that this office is closed. This is the second time this has happened in the last two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: WA

Complaint narrative:
Years ago I had opened an account with XXXX  XXXX company for credit card to build my credit, they always kept moving up the credit limit and allowing overdrafts even though it shouldnt have been as the limit is there for reason. Anyways one time I had payed down my card and become a victim of fraud via a romance scam. 

I spent weeks on the phone with them trying to get them to understand the situation and the call support workers were very bad at understanding due to their language barrier, I would get them to supposedly open investigation and within a day they said they didnt find fraud even though I explained to them exactly what had happened and sent them the evidence numerous times to their fraud department by mail like they asked. 

Each time they kept saying they didnt recieve it and I had to keep resending copies each time, eventually I gave up and asked them to close and charge off the account. 

They agreed and supposedly did it the same day as I immediately lost access to my account so I threw away the card. 

However I noticed bout a year later they put it in my credit report as charged off and collections for a newer date, I would then dispute and provide evidence over and over but they kept putting back the inflated amount onto my credit report with new dates of supposed closure each time as if it was a new debt. 

This company is well known for their terrible customer service, their terrible scam tactics and harassment as well. 

Do not use these people! They take advantage of XXXX and low income people especially ones who just became XXXX or are XXXX. 

I reported to XXXX credit bureau who immediately solved the issue and removed from report as they had no evidence nor accurate information, however attempting to report to transunion they insist contacting the creditor first despite already doing this months and months and the creditor never solving issue. 

They do not seem to be knowledgeable about any fraud or scam including someone taking your card and running up all the purchases they can on it, you ask for evidence its you and they never provide it because they know its not going to be you on any documentation or video. 

Oh and the state Im in requires collection agencies to be licensed in this state, when I check the website for this collection company they do not have a license for XXXX  XXXX  at all, thus they can not legally attempt to collect on debt here.

Company response to consumer: Closed with explanation