vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These 4 unauthorized accounts and 4 inquiries were added to my report without my approval. 

ACCOUNTS - XXXX CRED XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit 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 2024-09-01 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: MI

Complaint narrative:
these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley act. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added to my report without my approval. 

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 XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit 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 2024-09-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting XXXX  % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this collection is about I am not associated with the fraudulent account also it added an extra address that I am not associated with. Please remove this account as it is messing with my livelihood. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/year> REMOVE ALL INACCURATE PERSONAL INFORMATION EXTRA NAMES, ADDRESSES, BIRTHDAYS, PHONE NUMBERS EMAILS I SHOULD ONLY HAVE XXXX OF EACH. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT 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 2024-09-01 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX ( Original Creditor : 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruccions

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but TransUnion keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency TransUnion should delete this

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 2024-09-01 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: MI

Complaint narrative:
I have reached out multiple times to Equifax and have not gotten any help from this situation. I have been denied from mortgage applications because the lenders cant get my Equifax account. I have sent my social and driver license to them multiple times. I have had no success whatsoever. At this point, I dont know what I can do. I have tried CFPB and yet nothing has been fixed. XXXX XXXX says my report has not been updated since 2022. I dont have all my credit cards on that account showing. Equifax website shows I have balances on cards that I dont. None of my information is correct! I am assuming the issue is a split account! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I have multiple accounts with Upgrade, including personal loans, checking and savings accounts. One of the loans is set up on auto-pay from the Upgrade checking account ( ending in XXXX ). The autopay was set to pay {$330.00} on XX/XX/year>. I noticed the account did not have enough to cover the payment, so I transferred funds from my Upgrade savings account ( ending in XXXX ) into the checking. Per Upgrade, these funds are available immediately since it is an internal account transfer. 

The account had just enough to cover the loan payment, but I later received notice that the loan payment was not made due to insufficient funds, and I was charged a {$10.00} late fee. I have since rescheduled the original payment amount of {$330.00}, but I want the {$10.00} fee reversed since my account did have the funds available to cover the loan payment on XX/XX/year>. 

I tried numerous times to contact the company and request the fee be reversed, but every time I call I am told that " a different department handles that '' and I just keep getting transferred around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with California Business Bureau ; they have not provided me with any services that require them to report on my credit report. They have not provided me with the original contract, as requested. On XX/XX/year>, XXXX XXXX from California Business Bureau contacted me via phone. I responded and asked for an initial communication. XXXX XXXX failed to send me any information about this debt and did not afford me the opportunity to dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
My TransUnion credit report currently contains a fraudulent inquiry from XXXX XXXX XXXX on XX/XX/year> I never authorized this company or anyone from this company to pull or review my credit report on the listed date ( or any similar date ). As this inquiry is a product of identity theft and is causing me great reputational harm and emotional distress, it needs to be removed from my report immediately. I want to make it exceptionally clear that I never gave you, TransUnion, permission to furnish this fraudulent information, and as such, per 15 USC 1681 ( B ) ( C ), you are now in violation, both together and separately, of my privacy rights and rights as a consumer. I expect speedy remedy to this situation ; the inquiry should be removed within four business days of receiving this communication. And if you choose to be willfully neglectful in regards to my credit file, I will not hesitate to seek remedy against you in a small claims court. I previously disputed this fraudulent inquiry with you via the CFPB, but you failed to remove it I suspect this may be because I didnt provide adequate personal ID. I will not make that mistake again, as I have attached the relevant FTC Identity Theft Report, personal ID ( drivers license and passport ), and address verification ( in the form of my most recent bank statement as well as my lease agreement ).

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 2024-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was provided on XX/XX/XXXX and since then I have been asking XXXX XXXX provide all the fee and what is debit {$640.00} by supervisor XXXX XXXX. 
Since XX/XX/XXXX XXXX XXXX has refused to provide an additional {$640.00} debit fee is for and if is it within not to provide me the answer. 
I also email the same request to single point of contact since than he has XXXX XXXX who also refused to provide the answer. XXXX keeps telling us to send emails to different emails. 
The amount of {$640.00} is hidden cost service is illegally charging me. 
I have been paying my own homeowners insurance since XXXX now I am forced to buy insurance by servicer. 
I have been refused by supervisor XXXX he will not remove homeowners insurance. 
In XXXX homeowners insurance is not required by law but mortgage company can request homeowner to buy homeowner insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: AL

Complaint narrative:
While checking my credit report I noticed XXXX/Oportun reporting two accounts that I did not apply for. I have never and would not seek credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 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

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 2024-09-01 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: KS

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 : Applied Bank # 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 has violated my rights.


15 U.S.C. 1681Section 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. 1681s-2 ( A ) ( 1 ) A per
son 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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My email was hacked, and all my information was accessed, including bank accounts and attempts to open new loans. My banks closed my accounts without any warning or notification. They didnt inform me to stop by to open a new account ; instead, they simply stated that my accounts were being closed and that I could no longer bank with them. How did the bank make this decision so quickly without verifying anything or providing any proof, video, or evidence? 

Additionally, how did the bank allow someone to deposit checks into my account at a teller without verifying my identity or contacting me? This happened XXXX times, which led to all my accounts being closed. I need these incidents removed from my Early Warning bank history, as I'm trying to open a new bank account to buy a house. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: MA

Complaint narrative:
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$17000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
CREDIT BUREAU : TRANS UNION AND TRANS UNION LLC FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANS UNION HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.

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