vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: NY

Complaint narrative:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY 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 FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK 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 2023-09-11 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a letter from Nelnet, regarding repayment of a student Loan, that would resume in XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX from customer service, who informed me I owed the DOE XXXX XXXX dollar ( {$9000.00} ) for a consolidated loan from XXXX. I am a XXXX XXXX XXXX and I didn't take out a loan in XXXX. 
However, I did file a complaint against XXXX XXXX XXXX in XXXX, PA for Social Security fraud, over an eight year period, in which, they took XXXX XXXX dollars - ( $ XXXX - garnished from my SSI check. Also for blatant acts of XXXX XXXX from XXXX thru XXXX of XXXX and XXXX. It was then, that I realized XXXX XXXXXXXX XXXX, used a XXXX XXXX dollar loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa and turned it into their XXXX XXXX  over an eight year period.- from my SSI check, an overpayment of XXXX XXXX dollars or more. 
They also changed my User ID to a XXXX logo I used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TN

Complaint narrative:
Currently reporting the following : XXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold XXXX XXXX XXXX XXXX account # XXXX ) as collection/charge-off.

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 2023-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard. 
The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this. 
The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act. 

I filed a fraud report with XXXX Fleetcor  Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX  ( XXXX XXXX ) of the fraud. 
I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.

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 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd.
State: FL

Complaint narrative:
On Wednesday, XX/XX/2023, XXXXXXXX XXXX I was contacted at my place of employment by XXXX XXXX, the info is below. 
XXXX XXXX Senior Account Representative The Leviton Law Firm XXXX XXXX XXXX, Supervising Attorney Admitted to Practice in Illinois and the District of Columbia XXXX : XXXX Fax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX emailed me on Wednesday, XX/XX/2023, at XXXX XXXX, regarding a collection issue with my Employer. I am the XXXX XXXX for XXXX XXXX XXXXXXXX of XXXX FL XXXX This debt is due to an audit that XXXX XXXX XXXXXXXX owes. The business is having financial hardships and wanted to pay {$100.00} a month, all that could be budgeted at the time. XXXX XXXX and I went back and forth in emails, as he insisted I call him. I refused to call and explained I wanted everything in black and white to keep the conversation in emails. This upset him. And then the threats. This invoice was not even 30 days late yet. ( Please note previously that our office already had to block a couple of other associates from this company due to being harassed for a bill that wasnt even due yet. Calling and being extremely rude to the admin at the front desk, and the threats ) I checked my email when I arrived home that day after work. And there was an email from XXXX XXXX regarding Debt information for XXXX XXXX XXXX 
Not only did he email to my personal email, but also to my additional personal email address, which I have several. He also sent it to my previous employers The subject line read. 
XXXX : XXXX XXXX XXXX XXXX XXXX Debtor - XXXX XXXX XXXX OF CENTRAL FLORI/ XXXX XXXX XXXX XXXX XXXX XXXX I am NOT an owner or principal of XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX. 
XXXX. This is Not my DEBT or my responsibility. 
XXXX. I never gave XXXX  or XXXX XXXX permission to run a background check on me, nor did he legally have a cause. 
XXXX. It is very clear he ran a background check. As I go by XXXX XXXX, everything says XXXX. Not XXXX, as in the Subject line 5. The last name XXXX, in the subject line, is from a previous marriage over 15 years ago. 
XXXX XXXX assumed I was an owner or principal of XXXX XXXX XXXXXXXX, which owes the debt, instead of doing his proper research, This is very threatening to me, as if he purposely did this to scare me and let me know he can find me anywhere or anytime. I feel completely violated as if I have been being stalked. He now has all my personal information, address, family connections, everything. Now I live having to look over my shoulder ; XXXX  is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  Sequoia Financial Services sent me a letter stating that they were collecting a debt that I owe to XXXX XXXX XXXX XXXX XXXX. 

The information included in the letter : An account number with XXXX XXXX XXXX XXXX XXXX, An amount owed of {$36.00}, And a due date of XX/XX/XXXX. 

The number for the utilities account they provided matches the apartment unit I was renting but the date is for the month before I moved in ( I moved into that apartment on XX/XX/XXXXXXXX  ). So I disputed the charges with Sequoia Financial Services in a letter, but they have ignored it and haven't communicated anything else to me since. My credit report now shows the debt in collections, and it is affecting my credit score. I have documents proving that I did not reside in that unit on the dates provided by Sequoia Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MN

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 from XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section : 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 2023-09-11 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11 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: FirstPoint Collection Resources
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NY

Complaint narrative:
My credit report states that one of the factors hurting my score is credit age which makes up a portion of your score The agencies are reporting my credit age as 5 years and I have adverse judgements opened on my report since XXXX  which would make my credit age XXXX and drastically change my score this is hurting me

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 2023-09-11 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: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I received an alert/alerts on XX/XX/2023 that I had an hard inquiry from XXXX XXXX, consumer portfolio and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
I have attached and FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
When I was first notified that I owed an amount to an apartment complex the person at ProCollect never disclosed who they were and immediately asking for my credit card info. Mind you I never received anything from the apartment complex I was at. When I told him he never disclosed what company or why he was needing that personal info and I was not giving him my credit card number he told me I was being sued. I contacted the collection company after discovering on XXXX who they were to try and settle debt and they hung up on me or told me was account was blocked and could not make any payments and I needed to contact XXXX XXXX and send and email. Numerous times I tried corresponding with XXXX XXXX and never got any communication back.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2023, I applied for a Capital One Spark Business Card. I was approved with a {$5000.00} limit ( card ending in XXXX regarding XXXX ) and sent a welcome letter. I was immediately provided a secured link requesting a driver 's license, proof of residence, and social security card, all of which I submitted at that moment. I was asked for this information several times, each time submitted through a link I received from Capital One- After a few days of this, I needed clarification from Captial One, and they explained that my identity could not be verified. Before this notification, the card had arrived at my office. I linked it to my existing Capital One profile ( which has two other Capital One products ), which made this decision even more strange. I asked the reason and was given the same answer : unable to verify. I wanted to know what I should do with the card I had in my possession. " Do what you want to do, as the account was locked, '' was their response. It was suggested to reapply, which I did, and was approved again. 
Once again, I was asked to provide the same docs. I requested a fax number this time. I visited a XXXX  location scanned and faxed the docs to XXXX. Days later, in early XXXX, while driving, I received a phone call from the Capital One Fraud team requesting my driver 's license via a secure link. I pulled over and scanned the DL. I was approved, but this approval was for only {$500.00} ( card ending in XXXX ). In my reapplying, I was under the expectation that starting the process over was to reopen the application that the fraud team locked. I diligently provided document after document just to be told no, apply again, and get a lower limit when, all the while, I was feeding the same info and took hits to my credit report. The initial card with the {$5000.00} limit shows open on my credit report and its inquiry, but they can't verify my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: PA

Complaint narrative:
Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: NM

Complaint narrative:
I have identified accounts on my report that are a result of identity theft. I have not given XXXX, XXXX, or Experian written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX  Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXXXXXX XXXX Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXXXXXX  Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.

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 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: FL

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX 
{$950.00} reference # : XXXX I do not use XXXX for anything, ever.

I have zero idea what this debt is in reference to.

Their mailing has no validation for the debt. 

American Coradius International LLC is collector that sent the attached letter.

Company response to consumer: Closed with explanation