vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I called XX/XX/18 about my account I was told by XXXX that I had 2 accounts one for {$1300.00} that i ask for proof and he hung up I called back and spoke with a woman i forgot her name however she told me she could not disclose any information to me about my account but yet says if i have any questions about my account i am free to give them a call

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
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 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 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 2024-03-18 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:
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 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 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 2024-03-18 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: WI

Complaint narrative:
I have disputed these UNAUTHORZED/INACCURATE accounts multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccuate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE accounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
XXXX Mailed a certified letter with Domestic Return Receipt to Experian. Experian sent an email stating that my Dispute was finished and to look online for the result. When I looked online the site said that the results were unavailable. I called and the report transferred me to the Fraud Department but they hung up on me twice. 

Experian is committing IDENTITY THEFT according to the definition in 12 CFR 1022.3 Definitions - ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. In accordance to 15 USC 1681b - Permissible purposes of consumers reports ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. Experian DO NOT HAVE MY WRITTEN INSTRUCTIONS to report the Hard Inquiries in question. As a matter of fact on XX/XX/XXXXI sent an Affidavit of Intent to Opt-Out of Experian. 

Without my WRITTEN INSTRUCTIONS Experian is committing 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 explanation
Consumer complaint received 2024-03-18 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: CarMax, Inc.
State: FL

Complaint narrative:
I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



CarMax Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



XXXX XXXX XXXX XXXX Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.

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 2024-03-18 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: NC

Complaint narrative:
I had asked Equifax to remove hard inquiries from my credit report and filed the disputes, they said they would contact the lenders to verify the information in which I believe they did not because the response was within one hour which is very fast if your contacting making multiple contacts. Another reason I believe they lied to me about their process because the other two credit bureaus and filed disputes with them as well and when they contacted the creditors they agreed it was fraud and deleted all my hard inquiries. So I do not see why how Equifax would have different results than the other two bureaus. I filed disputes twice and called once and they would continue to give the run around and not want to truly help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OK

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX Account Number : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts on my credit report that are not reporting accurate and I have sent Equifax multiple request to correct the information and they NEVER respond. I have disputed thing in the past, about XXXX years ago and received updates in the mail. Now that I'm trying to fix new issues, I get XXXX response from Equifax. Instead what I get is them making things worse, reporting additional inaccurate information! I have XXXX XXXX XXXX XXXX accounts that were included in a XXXX in XXXX because of XXXX. XXXX XXXX XXXX : Account number XXXX  XXXX and XXXX XXXX XXXX : Account number : XXXX. I disputed these accounts on XX/XX/XXXX for the following reasons : The account number is inaccurate and different on the other bureaus, the terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete. Since Equifax NEVER responds to any disputes, I checked my credit report hoping they juts fixed the accounts. Instead, the removed the XXXX status on these XXXX accounts and reported them with BRAND NEW LATE PAYMENTS in XX/XX/XXXX and XX/XX/XXXX!! How can you be late on an account that has been closed and handled in XXXX since XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX XXXX, a PayPal Employee replied me. 
telling me I used XXXX XXXX to access my account, and that I have no money in my wallet. 

His email drives me crazy. 

I am falsely accused and embarrassed by XXXX. 

I was blocked from access my account, then they told me they will hold my balance for XXXX days, to enable them settle my customers before they can grant me access to my wallet. 

PayPal never told me that I used XXXX XXXX XXXX to a access my account before, it after my complaint to CFPB, PayPal emailed me telling me I used XXXX XXXX to access my account so they can steal my money, PayPal claiming I have no money in my account, is a big lie! 

For this reason I am requesting for my full account statement or account history, from the date I opened the account till date, showing every transactions With old and new informations in my wallet till date, including old and new informations changes in my account. 


That was a clear indication that my account was hacked, or there was a sinister move within PayPal on my account. 


There was never a time I used XXXX XXXX XXXX to access my account since I opened my PayPal account many years ago. 

In fact at some point my account became inactive because of XXXX XXXX I was out of business for some few years, my business was on hold, including my PayPal account. 

As a matter of fact, when I returned to my PayPal account after my XXXX XXXX, to my greatest surprise I saw a different phone number on my PayPal account, while my own phone number was removed completely, For this reason I wanted to view my balance, but PayPal wouldn't let me. 

when I noticed that, I quickly reset my password and my original phone numbers. 

( XXXX XXXX XXXX {$81.00} was my balance. 

Though I called customer service XXXX ago regarding the new phone number I saw on my account, and they promised to fix the problem. 

If my account was hacked by someone, else, why didn't I receive debit, or the transactions report on my PayPal account or on my phone? 

I believe PayPal swept my account from {$81.00} to {$00.00} Then restrict me from viewing my account balance. 
Then tell me to pay verification fee of about {$1.00} or {$1.00} XXXX times without refund. 
PayPal debited me XXXX times without refunding me as they promised. 

When they got tired of my complaint they decided to permanently block me from using my PayPal account, then they tell me I have no money in my account. 



Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX  XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX  XXXX XXXX : {$11000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a Victim of ID Theft. Some one used my credit to opened a credit card under my name with out my knowledge or authorization. This account appears reporting negative in my credit as mine and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I applied for XXXX  credit card and XXXX around the same time. The XXXX card never came in the mail as stated. There were several charges made without my consent. I advised the company of this and they removed half of the charges but left the others on there and they reported negatively for months and charged off the account causing this to decrease my credit score.

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