vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect XXXX continues to send me debt collection mail for rent collection with a balance of {$1300.00} at XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX I have already contacted them with documented proof as of XX/XX/year> that I did not reside in the state of XXXX XXXX  during the time they are notifying me of. I have already sent them proof of my other lease stating that I was in XXXX  during the disputed period. The collection mail continues to send once every three months or so, even after I've already addressed this issue with them over the phone. Each time they assure me that my name has been removed from their records, but they have not stopped sending the mail. This is a serious issue as during the first instance credit score took a hit ; it has since then been removed, but this company continues to harass me for a debt collection that is not mine.

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 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance has repeatedly attempted to contact me at a rate of 4+ calls a day, has been informed by them that even after speaking to me in person that collections calls will continue daily even after being informed that it would be in violation of the 7 in 7 law.

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 2024-10-18 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXXXXXX 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 2024-10-18 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: AL

Complaint narrative:
I would like to request the removal of several unauthorized inquiries from my credit report. These inquiries were made without my consent and are negatively affecting my credit score. I have carefully reviewed my credit report and identified these inquiries as being inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and I kindly ask for your assistance in resolving this matter by having these inquiries removed promptly. I appreciate your attention to this issue and look forward to your response.

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 2024-10-18 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:
My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management filed a collection lawsuit on XX/XX/XXXX without giving notice or giving me the opportunity to request a verification of debt. I had moved on XX/XX/XXXX and submitted a change of address with the XXXX. The forwarding XXXX expired in XX/XX/XXXX. XXXX then claimed to have served me with a copy of the complaint and summons, by posting and mailing, on XX/XX/XXXX at property I had not lived in for 17 months! A simple search of property records would have shown the name of the owner/resident of such property. The documents were served by process server who did not identify anything about the property and failed to note the fact that the residence WAS NOT AN APARTMENT. Midland then filed for default judgment 20 days after claiming it had perfected service. I did not know this lawsuit existed until XX/XX/XXXX when a relative saw it on the Indiana electronic filing portal and emailed it to me. By time I could respond, the court had already rubber stamped the default. I am an elderly person who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the stress this has caused, I was XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover appplication number XXXX I was notified by Discover that I qualified for the balance transfer special through their Discover IT card. I submitted an application and the application was denied. I asked the representative why the application was denied when I was notified I was pre approved and the representative stated " I am not sure ma'am you will receive a letter in the mail regarding the reason your application was denied. I waited for the letter to come in the mail and letter cites the following reasons : High balance on all revolving accounts, number of open revolving accounts with hig utilization and high balance on newest installment loans. 
I would like to highlight that I currently hold a credit card with Discover. Therefore, Discover is aware of my utilization rates, credit accounts, and my credit score. I assume that is the reason I was screened " pre-qualified ''. However, being denied for a card I was told I was pre-qualified for, is misleading. 
Please keep in mind that I have not missed a payment on any of my credit accounts and I have received a pay increase with my employer. I applied for the card because I was told I " prequalified ''. Also, with a balance transfer, I am not creating any new debt. A balance transfer would allow me to consolidate existing debt and place me, in better financial standing. 

In addition to the balance transfer application being denied, I logged into my Discover account and received an advertisement stating I have been " pre approved '' for a consolidation loan. I am notifying the regulatory agency because the company has failed to rectify the matter and continue deceptive practices. As a consumer, I find Discover 's practices to be distasteful because of the heavy penalty I now have to pay. As a result, my credit score has decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
I reached out to XXXX XXXX about an account that didn't belong to me on XX/XX/year>. They would not assist due to I could not verify the information. Then I received a statement dated XX/XX/year> stating I owe {$880.00}. This happened after I disputed the information through the credit agencies. 
They explained that they could not assist due to I had already disputed the 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 2024-10-18 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: FL

Complaint narrative:
REFUSED TO ACCEPT MY REQUEST FOR DISASTER RELIEF. 

SELF is a recipient of federal funds and beneficiary of federal programs. Self refused to comply or refuted President Biden 's Emergency Declaration / Executive Order. 

on XX/XX/year> approx XXXX EST, i contacted Self via chat after logging in to my account with this request : " MY HOME IS IN A FEDERAL AND STATE DECLARED DISASTER, and i was affected by the disaster. I WOULD LIKE TO APPLY/REQUEST DISASTER RELIEF regarding my account. ". 

the agent, XXXX, responded that no disaster relief is available through Self for victims o

f Hurricane Milton and Hurricane Helene. i requested that she take my request to memorialize that a request was made. i was told no. 

Every other credit card company to my knowledge complied with President Biden 's Executive Order. Except Self, they believe they are not required to make any accomodation for disaster relief or changes to their programs or procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : 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 2024-10-18 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:
TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : 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 2024-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
We purchased gift cards at XXXX totaling {$950.00}. The cards were fraudulent. We were told to call the gift cards company Incomm. We did call on XX/XX/2024 and they said that someone would look into it. We never received any correspondence, we called back on XX/XX/2024 and the We found out we had to submit paperwork and pictures of the fraudulent cards. Which was not disclosed to us on the initial call on XX/XX/2024. We sent said documents in, and we're told that the investigation would take 30 days. Well we received the replacement cards, and when we tried to activate them we could not. We then were told we had to send the same paperwork again to have them activated within 24 hours. We sent the documents again on XX/XX/2024 and now be told that we have to wait another 30 days for these cards to be activated. In the meantime we have been out of pocket {$950.00}. We are just asking for our rightfull funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NM

Complaint narrative:
i am a victim of XXXX XXXX under XXXX c fcra adverts inclusion block

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.

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 2024-10-18 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: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Here Iam writing about another company who have lowered my credit limit and then wants to justify why they did it if I did not ask for more credit then dont extend me any I was fine with what you extend from day one. I am not a big spender and I like to pay off what I have before I just spend spend. And so what I have a balance on other cards. Thats not any of your business. As long as i pay my bill with your company you dont worry what I chose to do with my personal finances. You are invading my personal finances and as a long time customer I expected better from my bank to not system XXXX  credit profile me. Because that is what you creditors do and its not fair and right it should be illegal. And make changes to your privacy policy so that you can work the system how you feel fit. I may not pay my bill in full every month but I do on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.

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