vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX  Inquiry from XX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance To Whom It May Concern : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand to delete the following hard inquiries.

I have attempted several times to resolve this matter directly with the furnishers but never received any communication from them. Therefore, I am going to file a lawsuit against each for violating the Fair Credit Reporting Act.

I request you delete these inquiries in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. It states : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Please delete these inquiries or I will commence legal action.

Sincerely,

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 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Dear Experian, Please see attached FTC Identity Theft Affidavit, supporting docs, and three forms of ID. 

I have been disputing one account item that is not mine and inquiries that are not mine and reporting on my credit report for several months. I have been the victim of identity theft many times and I now have a freeze on my report and the lock feature so my credit can not be run on all three bureaus. I still get notices that they are stopping inquiries and people are still running my credit without my permission. 

The first item is 1 ) XXXX XXXX  # XXXX I reached out to this company and they sent me a letter in writing that it was for services they provided on my behalf to " XXXX XXXX XXXX XXXX ''. I have never been to this XXXX in California and I reached out to that company and had the vice president send me an email specifically stating that I do not have an account and never have had an account with them Those letters are attached. I spoke to the rep with Experian and told him this was very frustrating and he said this way of filing was the best option. He also advised I had new attempts at pulling my credit from experian business services twice that day and my credit was locked but I was not applying for anything and gave NOBODY permission to run my credit. I simply want that account ( XXXX XXXX # XXXX ) removed from my report because it is not mine. 

Also, I have a list of unauthorized inquires that are also listed on my Identity Theft affidavit attached. I hope the new credit freezes will prevent this from happening in the future. 

Here are the unauthorized inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX already stated months ago they were removing the inquiry but never did. 
So the items are the XXXX XXXX # XXXX and the unauthorized inquiries. Thank you for your help in clearing up 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 non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a Collection. The original creditor is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both collection debts were placed on my credit report on XX/XX/2018. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$110.00}. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$210.00}. 

I have sent a debt validation to the Debt Collector and has not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried on several occasions to get XXXX and Equifax to correct my birthdate, but it still hasn't been corrected! XXXX I'd reporting it correctly. My birthday is XX/XX/XXXX 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX   and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX, and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried on several occasions to get XXXX  and XXXX to correct my birthdate, but it still hasn't been corrected! Transunion I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

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 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried on several occasions to get Experian and XXXX to correct my birthdate, but it still hasn't been corrected! XXXX  I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

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 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have been battling with Citi for awhile now. I have a Best Buy MasterCard.. I noticed a couple months ago they was charging me for something called Debt Protection fee. These fees arent cheap and occur monthly. Ive been charged over {$600.00} easily from this. I was told that I enrolled in XXXX of 2007. I never authorized this and refuse to pay the fees Ive been charged for the previous years. At bare minimum the last year. When I try to call they tell me theres nobody to talk to about getting my refund for the previous year. They tell me they have to send it to someone higher up and then thats all they can do. I dont believe this, they are basically telling me I cant speak with someone that is denying these letters. Ive gotten them to send 2 letters to the higher ups and of course both times its denied. This is apparently a huge problem since Ive looked it up. How can I not talk to the people in charge of telling me no? What is the point of the job the people have I actually do get to call and talk to. They basically want me to quit trying and pay all the money and I wont.

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 2018-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
XX/XX/2018 my complaint is seems like my mortgage interest is going up in the payments are getting higher every Year once again my mortgage interest went from6.750 % to 7.750 % and there charging me more money every month and it very clear that I'm paying more interest then principal on this loan that's going to take me forever to pay it off. I'm watching every time Select Portfolio Servicing goes up on my interest and charge me more month on my mortgage this is totally unacceptable and I see they're stealing money and if I don't say nothing they going to keep doing it so please " CFPB '' look into this matter. I know my responsibility is to pay my mortgage every month but not get ripped off at the ends of Select Portfolio that stealing and upping my interest rate. I just retired XX/XX/XXXX of this year and I'll be damned if they try to go up on my interest more and charge me more because I will report them every time they do so thank you for your time. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My account currently has a negative balance because of an overpayment by a third party. According to regulation Z they are required to refund this overpayment to me within 7 days following my request. After waiting for the seven days, they informed me they need more information to process the refund : a letter from my bank stating I did not request a return of the payment or place a stop payment on any payments to them. Otherwise the wait period for the refund extends to 21 days. I asked them what regulation or law they are using to justify this and they said their own regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX  card on my credit file that does not belong to me and appears to be Fraud, I have contacted TransUnion several times to have the XXXX XXXX XXXX Fraud account disputed, investigated and removed,. TransUnion continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX XXXX, I did not give authorization to XXXX  XXXX back or any creditor to open an account in my name. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.

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 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX. XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away .... 


STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team

Company response to consumer: Closed with explanation