vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE COMPANIES ARE XXXX, XXXX, TRANSUION, AND XXXX XXXX. There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX I have never received a 1099 C form, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE COMPANIES ARE XXXX, EQUIFAX, XXXX, AND XXXX XXXX. There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX I have never received a 1099 C form, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
I was served by the XXXX XXXX XXXX to respond to an attempt to collect a debt on XX/XX/XXXX. The alleged debt amount is {$7300.00}. My partner XXXX XXXX XXXX into the world XXXX, XXXX. And the XXXX XXXX XXXX XXXX I was stricken from working full time having to be home more where i was needed most. In that time i was also able to learn and educate myself on my XXXX given rights as an American and my consumer protection laws. I have since learned that i have been violated and deceptive practices have been done to me causing even more stress and harm to my family and I. I was given 21 days to respond to the courts. My response date was XX/XX/XXXX. I denied all alleged allegations against me and have since been given a pretrial date. I have made several attempts requesting documentations to disclose accounting information that. I am entitled to and have not received. All which was done in a timely manner before responding to the courts. Ive sent a email attempting to gain information from the debt collectors who have gained my information illegally. I never gave any written consent to anyone in the company to share information. Nor have i given any forms of consent to distribute my personal information. I have been a victim of identity theft. They still wishing to proceed with a case against me is casing more unnecessary stress than i can almost bare. I also sent 3 notices by certified mail demanding my personal accounting information and have not even been responded to. I am well aware that the securities generated on that account come from my social securities and my signature. Also US Codes give clear instruction on what to do with an account with a balance in excess ( 12 CFR 1026.21 ). They did not perform those duties. I will enclose all of the notices and screen shot of emails sent. And all other documents Ive received from the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous inquiries on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent inquiries from my credit report as soon as possible. 

XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX inquiry date XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear authorities, I would like to report paypal for taking money from user accounts occasionally and irresponsible and unreliable identity verification. First of all, paypal limits user accounts accusing violation of acceptable use policy. They sent email saying our accounts are permanently limited and after 180 days, we will get emails regarding our account situation and withdraw of money in the balance. As per my case and a lot happened to other users, we dont get email as they promised prior after 180 days of limitation. Instead, after certain amounts of time, we receive email that paypal can take recovery loss from our balances not mentioning a specific amount. 
In my case, my account was restricted on XXXX XXXX and I didnt receive any email from paypal during or after 180 days. Only on XX/XX/XXXX, i received email that paypal can take recovery loss and i checked my account on same day and my balance was same. But on XX/XX/XXXX, all the balances in my account which is XXXX $ was taken as paypal recovery loss. I used PayPal with my real informations and I never had dispute over transactions. First off, this kind of dishonest financial institutions are risky for benefits and financial guarantee for public consumers. I acknowledge that as per their terms and regulations that we sign when we open account, that they can take recovery charges. However, from their side, theyre not open with how much percentage of balance they can take or they dont inform you via email about how much money they took from your account or for which specific reason. Moreover, they dont send instruction email after 180 days as they promised. Customer has the right to know for which specific reason, they money was taken and to argue until he feels justified. 

Second report : I found out that someone was putting random fake SSNs and Tax IDs and PayPal system is accepting them. You should take action immediately as it endangers public safety and wellbeing. Secondly, if Paypal gets suspicious over a transaction, it should report to respective authorities, not by itself keeping the money illegally without informing authorities. 

I really would like to request CFPB to take action on Paypal and refund the money to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
Im begging you please remove this to the 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 2024-04-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I noticed fraudulent credit inquiries which where unauthorized by me and Im requesting to have these deleted from my credit report as they were without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed fraudulent credit inquiries which where unauthorized by me and Im requesting to have these deleted from my credit report as they were without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: MI

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 XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: MI

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  XXXX  Account XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-04-15 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: IL

Complaint narrative:
I am writing to follow up my previous dispute regarding the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
CBHV-Debt Collector is a debt collector that is texting me and harassing me to collect {$2100.00} from XXXXXXXX XXXX XXXXXXXX date XX/XX/2022 without any billing notification mail or email notification after 3 years. XXXX CBHV is harassing me all of a sudden after 3 years. Nobody should be harrassed after 3 years of no billing notification, mail or email notification, telling me I owe medical bills. I have missed any chance to file a complaint at the time of service or now because it a prior insurance. CBHV will not give me any information regarding any details of the service date other then I own then and I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature I would like this to stop. I dont have any record of this service date, or recollect that I was at the hospital at that time. They are not in compliance with applicable state and federal laws, I would like that this fraudulent claim be cancelled in its entirety, I will be hiring an attorney for these many harassing claims and false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
Looked at my credit report via XXXX, Equifax, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
Looked at my credit report via XXXX, XXXX, & Experian and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of 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