vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: FL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NJ

Complaint narrative:
I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-09 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:
See the attached documents. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-10-09 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: NY

Complaint narrative:
XXXX XXXX reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

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 2023-10-09 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: NY

Complaint narrative:
XXXX XXXX reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NY

Complaint narrative:
XXXX XXXX reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My Comenity Bank credit card was compromised so I called and spoke to customer service on XX/XX/XXXX. The agent gave me credit for the charges which was {$130.00} and that charge was not done by me. I have not used this card since XX/XX/XXXX. The transaction took place in XX/XX/XXXX. Instead of closing the account, they started to send me the late fees and finance charges for those transactions under a different credit card number. They keep calling me every single day and leaves me messages saying that I need to pay those charges. Every month the amount increases and will call me from different numbers such as unknown, private caller, scam likely, and some Comenity Bank numbers. They are supposed to investigate and let me know what the results are, but they never let me know what happened or updated me, instead their main focus was to pay for the charges which were never made by me. They are not supposed to charge me for disputed transactions, I requested to have my account closed and it was never done, they instead transferred the late fees and finance charges on a different credit card number and kept sending me the statement every month. They do not want to listen to me, their only concern was that they wanted me to pay for those charges. I have concerns about this credit card company, only XXXXXXXX XXXX XXXX keep calling me, no other race but them. The address of the bank is : XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I observed numerous inconsistencies and inaccuracies among the 3 consumer reporting agencies furnished reports when compared across the board. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr TRANSUNION, it shows that there's 2 LATE PAYMENTS. 
XXXX*Then under XXXX , it shows that there's only XXXX XXXX XXXX*Yet, under XXXX XXXX it shows that the account is aready CURRENT.

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 2023-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX and Professional Credit Service is saying I owe {$1200.00} on XX/XX/2023 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 1 5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-10-09 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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : TRANSUNION XXXX : XXXX XXXX : XXXX XXXX : XXXX  ( XXXX XXXX XXXX ) CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of 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 2023-10-09 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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX XXXX XXXX XXXX CC : EXPERIAN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of 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 2023-10-09 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: Atlanticus Services Corporation
State: WI

Complaint narrative:
TBom/fortiva has interfered in my rights to life, liberty and the pursuit of happiness. This company have not shown a true bill or an Affidavit sworn under penalty of perjury that I actually own this debt. All obligations of debt are of the United States so for this company to ruin my reputation by way of the consumer report without proper due process it is a violation of my alienable rights. 
Contract law states that a binding contract has to have mutual assent and consideration ( meeting of the minds ). I was not given a loan as this company has stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under XXXX U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : 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 2023-10-09 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: FL

Complaint narrative:
I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I placed an order online for {$580.00} for three items from XXXX using PayPals XXXX service. This meant that I paid for the purchase in XXXX installments of {$140.00} each : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The items were delivered on XX/XX/XXXX and returned in-person to a XXXX showroom on XX/XX/XXXX, which was within the allowed return window. I received a handwritten receipt for the return at that time. 

However, a month later, I still had not received the refund due in the amount of {$360.00}. So I raised a dispute directly with the credit card used for the transactions, a XXXX from XXXX XXXXXXXX XXXX, administered by XXXX XXXX XXXX : claim ID # XXXX. As part of this claim process, XXXX received a letter dated XX/XX/XXXX from PayPal stating that my claim was accepted. As a result, XXXX also accepted my claim and charged back and refunded the appropriate amounts. I have now been refunded in full. As you can see from the screenshots, PayPal also opened cases and closed them in my favor, in parallel with this process. Those case numbers are : XXXX XXXX XXXX, and XXXX. 

Unfortunately, since then, I can still see on the homepage of my online PayPal account that PayPal has this XXXX plan incorrectly listed as in arrears, with immediate payment due. I also applied for a PayPal credit line on XX/XX/XXXX and was denied due to this error still being listed incorrectly on my account. My credit score is near XXXX and I have never before had any issues with any accounts whatsoever. The denial letter that came from XXXXXXXX XXXX  caused me to think that a negative report had been made to the credit bureaus. Thankfully, I have been unable to find any such negative account listed. I fear PayPal may yet report something that will hurt my credit in the future, though. I now believe that the issue is internally within PayPal and that the reason for the denial is the incorrect listing of this one installment plan. 

I have also tried several times recently to obtain new PayPal Pay-in-4 plans and been denied by PayPal. 

I have called PayPal at least five times trying to bring this ongoing issue to PayPals attention, but no one seems to understand it or has done anything to correct it. I have talked to multiple departments. Both PayPal and I now possess a recording of a recent call on XX/XX/XXXX, in which the representative verbally acknowledged that my claim had been decided in my favor and that PayPal had accepted the claim. Yet, I am completely unable to use Pay-in-4 at this time or to obtain any credit from PayPal Credit due to PayPals continuing listing this matter on my account as delinquent.

Company response to consumer: Closed with explanation