vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I took a look at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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 ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
When told company that equipment is not working, company told us they will file a lien against the home if we do not pay.

We have called the equipment servicer and the phone number to them is not working.

They want us to pay for equipment that does not work and has refused to help us. Apparently every time we call, there is no one in the resolution team available to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am receiving my California state XXXX via Money Network. It is deposited into a checking account with Money Network. Since receiving my debit card, I've attempted to transfer the money via ACH transfer to my normal checking account with XXXX XXXX  on a daily basis but keep receiving error messages. I called their customer service on XX/XX/year> and was advised to wait a day and also to try transferring to a different checking account. Based on this feedback, I waited until XX/XX/year> and was able to successfully transfer {$100.00} on XX/XX/year>. Since then, I've been trying to transfer the rest of the money to my XXXX account and have received error messages. I also tried transferring to my XXXX checking account and also received error messages. I called customer service again on XX/XX/year> and was told they have no way to determine why the transfers are being declined. They said the only thing I can do is to go into a bank and withdraw {$5000.00} at a time for a {$1.00} fee. They were not willing to help solve the issue so that I could successfully make transfers via ACH.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted documentation to Transunion informing them that Im a victim of fraud and that Id like for a fraud block to be placed on my account. I received a letter in the mail from Transunion stating that the identity theft report I mailed to Transunion isnt a copy of an official, valid identity theft report. I tried calling Transunion to explain that the report is the electronic report I submitted through the FTC identity theft website but the rep told me that its not valid and that I need to call the FTC. I called the FTC and the rep informed me that it is indeed a valid identity theft report and that I need to reach out to the CFPB to file a complaint because I wasnt treated fairly. Transunion is refusing to place the block on my report even though they have valid and acceptable 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 2024-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Minnesota Office of Higher Education
State: MN

Complaint narrative:
Did not get my authorization to run my 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX, a consumer, and a victim of identity theft and I am making my official notice about the crime. I have nothing to do with the crime and I am not misrepresenting any facts. It was requested that I send a copy of my drivers license and social security card for identification purposes. I have made a file with a notice to correct my personal information, a notice of identity theft, and I have attached a copy of my social security card and my state Driver 's License. Please block, remove, and delete the fraudulent account from my credit report with 4 business days as required under the FCRA Section 605B. Please see attached.

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 2024-11-14 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:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX / XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

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 explanation
Consumer complaint received 2024-11-14 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:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX / XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

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 explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
Re : Formal Dispute and Cease Communication Request for Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary.

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same.

I request that you : Confirm receipt of this dispute and cease communication request in writing.

Cease all further communication with me concerning this alleged debt.

Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made.

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
My credit report shows a collection for Central Portfolio Contro in the amount of {$850.00}, originally from XXXX XXXX XXXX XXXX. My bill was paid by XXXX XXXX and I was told by the insurance company that I did not owe any additional monies. Then the remainder of the bill was sent to collections. Original injury date of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX2023 I was contracted by this company it was a male asking for information regarding an account that I had with a prior company. I was threatened that I would never be able to have anything if I dont get this account resolved. He then became more aggressive as he saw that I wouldnt comply with his commands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Company refuses to update my account saying its paid off and refuses to issue my refund checks to me. I want my XXXX money, and they are holding it hostage because of " processing '' that has taken well over a month and is beyond the scope of reason as if I were to do it myself it would be done same day if not a week TOPS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved. This is impacting my credit and causing extreme frustration.

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 2024-11-14 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: GA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-14 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most.

I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry.

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed.

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most.

I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry.

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed.

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-11-14 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief