vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have not given them written permission to put anything on my credit profile 15 USC 1681b2.

They have no permissible purpose by law to contact third parties with my private or personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against ASPIRE FINANCIAL for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that ASP
IRE FINANCIAL has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. DCU did not provide me with this opportunity, nor did I give any consent for my information to be shared.

ASPIRE FINANCIAL has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XX/XX/XXXX I paid Citi Bank the remaining balance that was on my account, {$2100.00}. On XX/XX/XXXX after I made this payment, Citi Bank notified me, via email, that I owe {$30.00} for " Residual Interest '' from the year XXXX. However, I was never made aware of such a charge on any of my prior billing statements. Using this devious ploy, it is my belief that Citi Bank deliberately jeopardized my account with the added charge in order to not give me full credit for paying the loan back in full. And as of XX/XX/XXXX Citi Bank has still not notified me that the loan has been paid in full. It also should be noted that Citi Bank totally disregarded all my accomplishments of reducing my account balance from {$10000.00} in XX/XX/XXXX to having a XXXX balance in XX/XX/XXXX, in just 6 months! And even though I had stopped using the card in XX/XX/XXXX, almost 2 years ago, that accomplishment was also not recognized but instead Citi Bank chose to continue to give the illusion to the credit bureaus that my card was still being used. I have XXXX pages of documents from Citi Bank to support my complaint with them.

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 monetary relief
Consumer complaint received 2024-07-13 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: NJ

Complaint narrative:
I reviewed credit report and noticed a hard inquiry from XXXX XXXX XXXX I did not apply for any credit

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Today XX/XX/year> I called Midland Collection Agency to pay part of my bill. I told them I wanted to make a low payment. They asked me personal questions such as what happened in your life to make you fall behind on your payments and when did you stop paying. I was not comfortable with these personal questions. I kept asking them to just take the payment but they refused to take the payment and said they wanted to have a conversation instead and asked about my location. They said if I dont pay they will pass judgement in the law. They said I wasnt listening and if I wasnt ready to listen and have a conversation they wouldnt help me and then they hung up. I was very upset and my consumer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer 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 EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$750.00}. XXXX # XXXX OPEN-XXXX XXXX XXXX XXXX XXXX XXXX {$200.00}. XXXX # XXXX open-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX$300.00}. XXXX # XXXX OpenXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$9500.00} XXXX # XXXX OpenXXXX XXXX XXXX XXXX XXXX XXXX. $ {$23000.00} XXXX # XXXX Open-XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. $ {$23000.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  {$720.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. $ {$3900.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} XXXX # XXXX. XXXX XXXX, XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lvnv is attempting to collect a debt and using the incorrect date of delinquency. I have tried to get this corrected numerous times and also asked for an entire payment history for the accounts they are trying to collect. I believe the date of delinquency is XX/XX/year>. Please investigate this and provide proof of the date. Please update my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: AR

Complaint narrative:
In XX/XX/2023, I entered a COVID-19 protection forbearance for my mortgage with XXXX XXXX  XXXX XXXX The forbearance period lasted until XX/XX/2023. During this time, XXXX XXXX  did not report any delinquencies to the credit bureaus. In fact, they provided documentation confirming that there was no delinquency reporting during this period and that my loan was paid in full on XX/XX/2023. 

Despite this, Equifax has been inaccurately reporting my loan as 180 days past due and as a collection account. Additionally, Equifax has incorrectly listed the date of first delinquency as XX/XX/2023, which is not accurate. This incorrect information has severely impacted my credit score and my ability to obtain credit. Most notably, it has prevented me from purchasing a home for my family. 

On multiple occasions, I have disputed this information with Equifax. The dispute numbers include XXXX. I provided Equifax with documentation from XXXX XXXX  that clearly shows there was no delinquency and that the account was paid in full. However, XXXX automated system continues to report this false information. 

I spoke with an Equifax manager who acknowledged that the documentation from XXXX XXXX  does not indicate any delinquency or collection status. However, she stated that there was no manual process available to correct the automated systems errors and that I would need to dispute the information again, which is an unreasonable request given that I have already provided all necessary documentation. 

XXXX refusal to correct this inaccurate information, despite having the correct data from XXXX XXXX may constitute fraudulent activity and violates the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require credit bureaus to report accurate information and to conduct reasonable investigations into disputed information. 

I am seeking the CFPBs assistance to ensure that Equifax corrects this erroneous information on my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PR

Complaint narrative:
On XX/XX/2024, I received a debt collection notice from XXXX XXXX, XXXX, regarding an alleged debt with XXXX XXXX. I promptly requested validation of the debt. XXXX XXXX, XXXX provided documentation, but it lacked crucial information to establish the validity of the debt. Specifically : 1. The provided documents did not include evidence of any economic transaction or service that would make me liable for this debt. 2. There was no signed document indicating my consent to a contractual agreement with XXXX XXXX 3. The documentation did not contain any identification that was used to verify my identity at the time the alleged contract was entered. I have no knowledge of this debt and did not enter into any agreement with XXXX XXXX. I believe this is a case of mistaken identity or fraudulent activity. Despite my dispute, XXXX XXXX XXXX XXXX continues to pursue collection activities. I am seeking assistance to have this matter investigated and to stop the collection attempts until valid proof of the debt is provided. This situation has caused unnecessary stress and potential damage to my credit rating. 
On XX/XX/2024, XXXX XXXX, XXXX responded : Dear XXXX XXXX, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. LVNV Funding LLC placed your XXXX XXXX  account in our office for collections on XX/XX/2024. On XX/XX/2024, we received your initial notice from the CFPB. We notified LVNV Funding LLC of your dispute and mailed the validation of charges for your review. In addition, we stopped collections on your account in our office at that time, preventing further contact from XXXX XXXX XXXX. Upon receipt of your most recent letter to the CFPB, we closed your account in our office and returned it to LVNV Funding LLC. XXXX XXXX XXXX has not and will not report this matter to the Credit reporting agencies. Should you wish to discuss the account further, please contact LVNV Funding LLC directly at XXXX. Sincerely, XXXX XXXX XXXX XXXX Department XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: COMMERCE BANK
State: TX

Complaint narrative:
This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, PayPal/CFPB I hope this message finds you well, I'm contacting you in regards of my PayPal account XXXX, its been 180 days since my PayPal has been limited and I got a mail on XX/XX/2024 stating that my funds are now eligible for withdrawal but upon trying to withdraw my withdrawal gets denied which is as a result of my card issuer performing some maintenance, so upon that i waited until the maintenance was done and then placed a withdrawal but this time i was met with an error saying " something is not right please try again later '' I waited XXXX hours, still the same thing. I kindly ask that you look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX there were hard inquires placed on my account without my permission. I've asked the dealership to not send my application to this due to a previous rejection from the bank on XX/XX/XXXX and they specifically ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CO

Complaint narrative:
I have a closed account from XXXX XXXXXXXX Experian and XXXX XXXX are refusing to update and correct

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit score was a XXXX about to be XXXX but I got into a financial struggle in a XXXX XXXX, I disputed the unauthorized transactions to my credit reporting agency and gave them all my information, and they refused to remove the maxed out credit card on my credit account. I disputed this multiple times and they refuse to follow the law and give me my dispute. The law says if I file a dispute it means I deserve what I want because I'm the one paying for services. The credit reporting agency refuses to alter my account information that I'm disputing to get rid of the maxed out credit I lost in an XXXX XXXX There is a identity theft on my account and they still refuse to fix my credit account and tell the bank everything is right. This is fraudulent because I've done nothing put pay money for my credit account and never missed a payment and now an XXXX XXXX has put me in the hole. The credit account was in good standing and then immediately got altered. There is no reason my dispute was illegally denied.

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