vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: TX

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX 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 2024-02-21 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-21 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Account was paid in full and creditor was supposed to remove it from my credit file was never done it is a negative impact to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MO

Complaint narrative:
Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX bank Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope this email finds you well. I am writing to bring to your attention a collection account on my credit report, which was reported on XX/XX/XXXX, by XXXX XXXX XXXX. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : Washington Gas Light Company Account Designator Code : INDIVIDUAL_ACCOUNT Date Assigned : XX/XX/XXXX Account Number : XXXX XXXX Original Amount Owed : {$300.00} Amount : {$300.00} Status : UNPAID Comments : Consumer disputes this account information I have not received any information from XXXX XXXX XXXX regarding this collection account, and I believe there are inconsistencies in the reporting. I request your assistance in investigating this matter and, if necessary, facilitating the removal of this collection account from my credit report. 

I am particularly concerned about the accuracy of this information, and I am formally demanding its removal due to the lack of supporting documentation and the presence of errors. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022XXXX XXXX Date of XXXX XX/XX/2022, XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/2022

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I prepaid for the rental in full with 3rd party and was charged by the company after returning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
EXPERIAN has consistently for the last XXXX  years inaccurately reported unverified false damaging information on my credit file. Any and all LEGAL and lawful proofs of claims as to any alleged debts have not only been UNVERIFIED by a source authorized to verify any such information BUT ALSO in addition all of my FEDERALLY PROTECTED RIGHTS AS A CONSUMER ARE CONSISTENTLY VIOLATED. The willful negligence and reckless reporting of false unverified " claims '' consistently are damaging myself, my integrity, financial stability and reputation. Every tendered security, which I have " issued '' to EXPERIAN has also not been properly reported to the Internal Revenue Service nor to the Security Exchange Commission which is securities fraud. PURSUANT to every CFR pertinent to federally protected consumers, EXPERIAN has and is continually violating. The company which " alleged '' a obligation has not nor can not provide any verified information proving any debt such as a contract, court order or the like, as it DOES NOT EXIST. EXPERIAN has never been given consent to put these things on my credit file by the only person with legal standing to authorize such reporting, myself. As of this date I have filed several registered complaints/submissions with the SEC concerning the securities fraud in addition to FINRA. Data from EXPERIANS XXXX and XXXX forms and The XXXX XXXX indicate EXPERIAN is also involved in " churning ''. XXXX years is quite a long time to accumulate evidence against any company willfully breaking/violating the federal law at the gross expense of others.

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 2024-02-21 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: MO

Complaint narrative:
Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX XXXX  Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.

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 2024-02-21 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: FL

Complaint narrative:
I'm not authorizing the creation of these accounts, and it seems to me that they may have been falsified. Please review them and make sure they're removed from my credit history as soon as possible.

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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have XXXX days behind on truck payment due to legal matters, eviction, and finishing school within a month. I have already made arrangements with XXXX representatives who noted my issues, and made a note that I would make at least a month payment of more when I receive my taxes on XXXX. On XXXX, flagship  representative called me and threatened she would call me daily until payments were made. XXXX at XXXX she called again, I was able to get her name, not an employee ID. Called flagship back requested a supervisor, XXXX, is filing a complaint for me as well and apologized for the harassment. I am called multiple times on a daily basis. I am tired of having to answer, verify, explain my situation to a new representative daily in fear of retaliation or in fear of my truck being repossessed which the employee on XXXX explained would not happen as long as I kept them updated and took a phone call to update any information if needed.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
After I closed the account and agreed to pay off balance, I received a statement with unagreed fees not {$41.00} monthly late fees and {$6.00} service fees even though the account was closed. I demanded that these be taken off to a " XXXX '' who stated that he " would work on it '' only after a threatened a complaint to you. Tota Visa. I paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must stress the importance of this matter to me. The disputed items hold significant weight, and I can not afford to overlook them lightly. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further. I am fully prepared to file a formal complaint with the Federal Trade Commission against your company. Given the gravity of the situation, it is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX XXXX that I never gave authorization so when I called XXXX months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX XXXX charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and XXXX XXXX deprived of my rights and freedoms at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We have been trying to get SPS to show proof of claim of our property and all they sent us was a lot of Power of Attorney documents to which none of them show that SPS or XXXX XXXX XXXX XXXX had any authority to Service our Loan, let alone keep all our Payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-21 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I checked my credit report on XX/XX/24 and see that I have a collections on my report. 

1. I have knowledge about this debt 2. Its a medical collection I have insurance that covers me 100 % 3. I need validation regarding this debt 4. I need proof this collection company have the right to collect on this debt 5. I need the agreement that authorize the creditor to sell my debt 6. Who is the company that sold this debt because you left this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I regularly check my credit report on my XXXX XXXX XXXX I checked it on the XXXX of XXXXand saw a collection notice on my report from XXXX XXXX XXXX for {$130.00}. There was an XXXX, CA address attached on my report saying I had lived there. I never lived in CA. It was a sprint account opened on XX/XX/XXXX. I had no prior knowledge of this account. No bills, notices or phone calls from from anyone. I've been with XXXX XXXX since XX/XX/XXXX and still am and have payment records to prove it. There is also a date of first delinquency, XXXX XXXX. I was released from XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MD

Complaint narrative:
I applied for a loan but did not accept it. I wanted to report this company for the XXXX  that they are charging in interest. I believe that they are a loan shark company. The loan I applied for was for {$750.00}. The amount of repayment was {$100.00} XXXX for XXXX weeks. That would mean that the total repayment would be {$4400.00}. I did call to verify this information that I found unbelievable was true and it was. I don't think legally they can charge that much interest.

Company response to consumer: Closed with explanation