vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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 : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XX/XX/XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX A 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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I received a settlement check from your company XXXX for my deceased husband XXXX XXXX and I'm trying to get you to reissue the check in my name because I'm his beneficiary. My info is XXXX XXXX XXXX XXXX number XXXX, email : XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I tried contacting you but couldn't get through. Please respond. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
This is my request for a Investigation of any information on my delinquency or derogatory behavior. Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will investigate these items for me, to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
There was a credit card open in my name from a company name XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of this credit card, and I didn't give this company consent for this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI Cards refuses to pay for and open up an arbitration hearing with the XXXX XXXX XXXX as per their card agreement, for the disputed amount of {$380.00}. Citi is in breach of contract making this disputed amount null and void.

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 2024-12-12 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:
( XXXX XXXX ), XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of fraudulent Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX, for {$17000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp
State: DE

Complaint narrative:
Dear Sir/ Madam, This debts ( Account ID : XXXX XXXX & XXXX ) has to remove from my credit report on all 3 national credit bureaus. 

Zuntafi Corp has refused to provide me with original instrument of indebtedness in its original form with " Ink Signature '', which by Fair Debt Collection Practices Act [ 15 USC 1692 et seq ] to validate collection of debt. 

Zuntafi Corp, replied to me with a stating that they will report my account as " disputed '' to all 3 national credit bureaus, and this action could take-up to 30 days to remove debt from my credit report. 

As of today, there has been no changes on my credit report with debt still appearing as open and negatively affecting my XXXX XXXX. 

Please see uploaded document below. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Venmo stating that I violated their user agreement because I used the money I have received by Direct Deposit to purchase crypto from their platforms and that after reviewing my inquiries and account activity, they found that my actions and activity have been in violation of this agreement. 

As a result of this my account was permanently deactivated and then the funds in my account will be held for up to 180 days for loss prevention purposes. Im told that I will be contacted at the email address on file with my Venmo account should these funds be available for transfer in the future. And its going to be 180 days by XX/XX/XXXX and I have tried to reach out to them several times again but they insist I still can not have access to my money and I do need this so urgently. I was advise to try lodge a complaint here that I might get help sooner than expected

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This company has sent me multiple papers saying that I owe them debt offer different numbers of money right around the time I was supposed to be receiving my aunts money from her, passing, not only that the state of Minnesota recharged me with multiple of my XXXX  that have already been paid, including my XXXX  XXXX, so I know that this company is only garnishing my wages, or trying to collect debt to get money, which I think that they have been successful of because they sent me multiple notices not only that the companies that said I owed them were using abusive practices saying that I owed them when I didnt, and I told them that my identity was being used and they didnt do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
We have repeatedly reached out to the company for what should be two very simple questions. We are asking about a document that appears to show two reverse mortgages and for them to verify which mortgage is active and which one is not. We have also asked how we provide consent for someone else to speak about our account. We have been asking for this information for WEEKS. I emailed them last Friday XX/XX/XXXX requesting the information again and told them I would file a complaint if they continued not to answer, and they STILL could not be bothered. 

Below is the history of requests that were made : XX/XX/XXXX requested information on how to provide consent for someone else besides to borrower to speak with you. Received an automatic reply on XX/XX/XXXX stating the email/documents was received NO ANSWER XX/XX/XXXX second request about consent. NO ANSWER XX/XX/XXXX asked through email about what appears to show to second reverse mortgage. Received an email the same day asking for the information in writing. 

XX/XX/XXXX emailed the information requested on XX/XX/XXXX. Received an automatic replay stating the email/documents were received NO ANSWER XX/XX/XXXX sent an email with COMPLIANT in the subject line that Compu-Link was not responding. Reattached the information from XX/XX/XXXX NO ANSWER XX/XX/XXXX - sent the email referenced above. 

We want answers to our questions and it's pathetic that we must go through the CFPB to get them. The is frustrating and unacceptable that they can not be bothered to answer. Their service is terrible - shame on them. 

Please note we have attached the letter with our request and the document that shows the mortgage assignments to this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX another bill under collections as well as false hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

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 2024-12-12 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: PA

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

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 2024-12-12 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$1900.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$620.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX an employee I work for. I moved and they never updated my address. I worked the elections in XXXX of XXXX. After my assignment, they sent a check to an address I changed weeks prior. Instead of them putting a stop payment on the check, I had to wait 30 days, by that time the check was cashed. PLS financial institution, allowed to some to cash a check that did not belong to them. It is customary for PLS to take pictures and record video of their transactions. PLS told me that my employer ( Board Of Elections ) are responsible for replacement, since PLS said I cashed it, they arent issuing me another check. It was fraud, any video or picture taken will show that. The person didnt even sign my correct name and they added a phone number I never used at PLS. Im out of money because a check was sent to the wrong address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: MI

Complaint narrative:
This account ; Creditor name XXXX  Account number XXXX Account status Collection Available credit NA Reported balance {$1900.00} Credit utilization NA Date opened XX/XX/year> is being reported to my Transunion account XXXX and this is a fraudulent account. I did not open this loan, nor did I receive the proceeds of this account.

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 2024-12-12 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally report fraudulent activity on my credit report, including unauthorized accounts and fraudulent collections resulting from identity theft. This letter serves as a demand under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) for the immediate blocking and removal of this information from my credit file. Please consider this correspondence, along with the enclosed documentation, as an official identity theft report pursuant to the Fair Credit Reporting Act ( FCRA ). 

FTC Report Number : XXXX FTC Report Date : XX/XX/year> In accordance with 15 U.S.C. 1681c-2 ( a ) and the related provisions under FCRA 605 ( b ), credit reporting agencies are required to block disputed information resulting from identity theft within four business days of receipt of a valid identity theft report. This obligation applies to the accounts detailed below, which I identify as fraudulent : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$5300.00} I have included the following documentation to support my claim : A copy of the FTC Identity Theft Affidavit ( FTC Report Number : XXXX ). 
A Police Report documenting the identity theft. 
A copy of my Government-Issued Photo Identification for verification purposes.

A recent Utility Bill or Bank Statement confirming my address. 
Under the Fair Credit Reporting Act, failure to comply with these statutory requirements constitutes a violation, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Obligating the blocking of fraudulent information within four business days of receiving an identity theft report.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers of disputed information to conduct a thorough investigation of the disputed accounts upon notification.

15 U.S.C. 1681i ( a ) : Mandating reinvestigation of disputed information.

I further demand that any collection activity related to these fraudulent accounts cease immediately as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ), which prohibits continued collection efforts on disputed debts.

Additionally, I request written confirmation of the following : Receipt of this letter and all enclosed documents.

Blocking and removal of the identified fraudulent accounts from my credit file.

An updated and corrected copy of my credit report reflecting the requested changes.

Please provide the confirmation and updated report at the earliest opportunity.

Thank you for your immediate attention to this matter. I trust you will act in compliance with your obligations under the FCRA and FDCPA to resolve this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation