vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
There are unauthorized inquiries on my consumer report. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized items must be removed immediately.

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 2024-06-21 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested and received a balance transfer from Wells Fargo. The account the balance transfer was suppose to go to towards my XXXX XXXX XXXX, XXXX. Account # XXXX in the amount of {$2500.00}. Instead it went to XXXX XXXX XXXX XXXX, XXXX, which I did not have an account. 
Through my own research discovered it was an collection agency. I had no accounts in collection. 
I appealed twice through Wells Fargo. Both denied. So I have been paying back on an account that never belong to me since XX/XX/2022. 

The minimum due was {$25.00}. Although I hated paying it, I could. Most recently the minimum due has gone to {$72.00}. I can not do that and I need help getting this corrected and my money back. 
The Wells Fargo account is XXXX. I have never used this account only paid on it. This is an error that has not been corrected. 
Please help.

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 2024-06-21 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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-21 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-21 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-21 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-21 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: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
On behalf of XXXXXXXX XXXX XXXX XXXX, Xactus LLC ran my credit without my permission to do a hard inquiry of my credit on XXXX. Xactus LLC shows on my XXXX but XXXX XXXX XXXXXXXX is on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics

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 2024-06-21 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: CT

Complaint narrative:
It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX  to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics

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 2024-06-21 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I am writing to file a formal complaint against Consumer Adjustment Company for violations of the following laws : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( a ). I received notification from all 3 credit reporting agencies on XX/XX/year>24 that an account was opened XX/XX/year>24 for {$1600.00}. This has caused an adverse effect on my credit file. 

I am disputing owing any and all debts to Consumer Adjustment Company. I am also revoking all rights of Consumer Adjustment Company communicating with me through calls, email, or text. 

I would like a copy of the following items : The purchase agreement between Consumer Adjustment Company and the original creditor.

Proof Consumer Adjustment Company is licensed and bonded. 

I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Consumer Adjustment Company to ensure that they comply with the law and cease these unlawful practices. 

I have attached a copy of each reporting agency to reference what it is reported. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-06-21 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a financing loan with Roadrunner Finance for {$11000.00} at an APR of 18 %. Although this was a high APR, I accepted the loan with the intent to make {$100.00} principal payments each month through the company portal. 

In XX/XX/XXXX, I discovered that the feature to make principal payments had been removed. When I called the company, I was informed that the only way to continue making principal payments was to send a check or money order. Although I found this odd and was displeased, I proceeded with this new plan. It took me XXXX months to get back on track, only to discover that sending in a check labeled " principal payment '' was ineffective. I was told that since the payment was received 13 days after my monthly due date, my account accrued daily interest at a rate of {$5.00} per day, and therefore, the payment was applied entirely to interest. 

This is the second time I have filed a complaint with them, and I have been given no solution from the company. Learning this fact reveals that the company aims to put customers at a disadvantage, even if they are knowledgeable enough to understand that principal payments help minimize high interest costs. I would like to report this company and file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The account Portfolio is attempting to collect is due to ID theft. XXXX XXXX deleted the account months ago because of ID theft. Therefore, Portfolio recovery should do the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is not a duplicate request! Previous request had a miss-type in the last XXXX digits ( XXXX instead of XXXX ) of the account, which bank opened without my consent, so bank simply responded " Were unable to find an account ending in XXXX ''. So here is the correct last XXXX digits of the account, which this bank opened without my consent. ( XXXX ) COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 
The account I had opened with XXXX XXXX was : XXXX It can clearly be seen from the XXXX XXXX XXXX XXXX XXXX for {$150.00} Autopay setup here ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I started receiving phone calls from JP RMP on XX/XX/XXXX. I received calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and on the dates of XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. On the first call I picked up for, I asked for a debt validation letter, to verify the debt, the original creditors, and relevant details. This was not sent, but a letter with *some* pertinent information was. Also in the XXXX XXXX XXXX call I informed the representative from JP RMP that the debt didn't seem valid, due to my billing status with insurance, but I would verify. The calls continued and when I was able to get insurance and the original medical billing department on the phone, the bill was an error. The debt was never valid. It was supposed to be sent to my secondary insurer. But I guess it's easier to harass a XXXX woman than verify that information, force the XXXX person to round up XXXX people who made errors and get them on the same call to talk about it and how to fix it, as opposed to doing the due diligence themselves. How fun for my XXXX XXXX. It took a third call from insurance and the billing department to get them to leave me be, for a debt I didn't owe, because of someone else 's keystroke error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed that I have an account that I do not know about, and it being reported and effecting my credit score negativity. I have collection of {$1300.00} as of XX/XX/year> and I was unaware of, and the account was open on XXXX consumer reporting agencies need to report all information with complete accuracy. This account that has been created without my knowledge. I have attached a copy of my report to this complaint on the amount and dates that are shown above. I am also requesting you investigate and provide verifiable proof with records showing that I had knowledge of this account. If this information can not be verified, I demand this account to be removed and updated on my credit report immediately. Thank you for your understanding and prompt action.

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