vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
I received a garnishment from XXXX, inc which started on my paycheck XXXX on an account that is over seven years old and off my credit report. The debt was from XXXX XXXX XXXX. XXXX gave me a number to call on a debt collection agency Lloyd McDaniel number XXXX. I leave messages but no one returns my calls. I tried to file a complaint with XXXX but they were unable to help as the XXXX XXXX XXXXXXXX account was no longer on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is unacceptable that unauthorized information has been added to my credit report without my consent.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-12-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: PA

Complaint narrative:
In XX/XX/2024, I checked my credit report and found that the General Revenue Corp ( collection agency ). had listed a collection on my credit report. Pursuant to F..D.C.P.A. I sent The General Rev. Corp and Debt Validation Letter ( see enclosed ). No Response. Again in XX/XX/2024, I sent a second Debt Validation Letter. Again I never received any response from this company for over 90 days. So I proceeded to call them In XX/XX/2024 to ascertain as to why they never responded to my two legal request for Debt Validation. 
During this conversation with Gen Rev , Corp., I was told that they had sent this supposed debt back to the original owner of the debt. ( XXXX ) Thus the reason for this writing. General Revenue Corp is in violation of the F.D.C.P.A. as they:1. " NEVER SENT ME A DEBT VERIFICATION LETTER '' as required by law. 2. They never answered the Debt Validation Letter sent by this writer. Instead what they did was return the supposed debt back to original owner. 3. The non existent debt to General Revenue Corp. is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, an unexpected credit inquiry appeared on my credit report from JPMCB card services. It corresponded to an XXXX XXXX XXXX that I did not open. I contacted Chase, and there was a card opened in my name by someone who was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
The email associated with my Venmo account is XXXX XXXX had sold a {$2000.00} item on Venmo, which was my preferred payment method, as I was under the impression that once a payment was sent, it could not be reversed. I was wrong. 

After selling the item, I transferred the money to my bank. Two weeks later, I received an email from Venmo stating I owed them {$2000.00} because the charge had been reversed. 

I sent them all proof I have of the scammer acknowledging paying me, and acknowledging receiving the item. This was on both XXXX XXXX and XXXX. I ask for these over text for situations like this. 

After doing my research and connecting with dozens of victims of this ( apparently very common ) scam, it is clear to me Venmo will not be restoring my account. They have not for any victim I have spoken to. 

I have also found many other accounts under the same name and photo as the one I was scammed by. 

I am extremely disappointed that Venmo continues to allow scammers on their platform, sides with the scammers, and has put no protections or education for users. I will continue to fight this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MO

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-05 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: MO

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-06 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alorica Inc.
State: MI

Complaint narrative:
I had a loan with XXXX to pay off some credit card debt. XXXXXXXX XXXX XXXX  and transferred my balance to XXXX, I was given minimal information regarding this. I then started receiving emails from XXXX about the balance. I have made XXXX payments of {$120.00} and my balance has only gone down {$7.00}. XXXX  are going towards the principle. I have no explanation for this daily interest charge of {$2.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date XX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity.

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent.

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date XX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity. 

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent.

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation