vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My cellphone was hacked on XX/XX/XXXX, XXXX XXXX XXXX from the fraud department called me as there was an attempt to process a {$4600.00} payment for an online purchase at XXXXXXXX XXXX  but they flagged the transaction and didn't go through, then I realized that someone hacked my cellphone as I found an application that has been installed on my cellphone and I never installed it ( remote view ). I checked my bank accounts and found out that {$5000.00} were XXXX from my Bank of America checking account to someone's name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  during my sleeping time without me receiving any text or transaction verification since it's a big amount. I called Bank of America fraud department and reported that also I filed a police report and filed a complaint with the internet crime complaint center .I was told 3 times by 3 different specialists in the bank of America fraud department that I will get that refund within 10 business days and the investigations takes up to 90 days, I called today to follow up and they told me something different that this claim hasn't been honored by bank of America 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 monetary relief
Consumer complaint received 2025-02-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-28 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: NV

Complaint narrative:
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 XXXX, filed on 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 : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, 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. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-02-28 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: MI

Complaint narrative:
Credit acceptance refused to make things right. They deliberately ignored the laws of the FCRA by keeping inaccurate information on my credit report. They refused to provide proof of this debt owed. They refuse to provide proof that a vehicle was indeed sold at an auction or private sale. I do not acknowledge this debt. XXXX XXXX XXXX XXXX is a debt collector trying to collect this debt from me in the amount of {$8700.00}. Credit acceptance reported to the credit bureaus the amount owed of {$8900.00}. That is clearly an inaccuracy, and goes against the FCRA laws. 
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE Union, you must ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
Credit acceptance refused to make things right. They deliberately ignored the laws of the FCRA by keeping inaccurate information on my credit report. They refused to provide proof of this debt owed. They refuse to provide proof that a vehicle was indeed sold at an auction or private sale. I do not acknowledge this debt. XXXX XXXX XXXX XXXX is a debt collector trying to collect this debt from me in the amount of {$8700.00}. Credit acceptance reported to the credit bureaus the amount owed of {$8900.00}. That is clearly an inaccuracy, and goes against the FCRA laws. 
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE Union, you must ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2025-02-28 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: OK

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The debt was sold to LVNV funding LLC. The amount is wrong and I didn't sign any contract with LVNV FUNDING. THIS XXXX  TO BE DELETED FROM MY CREDIT REPORT. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 2 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : $ {$1200.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 4 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX  XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 6 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX This account is not mine. Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.

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 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: OK

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX through Carvana in Oklahoma in XX/XX/XXXX. Carvana assured me multiple times that the vehicle had never been in an accident. They provided a XXXX report and emphasized their XXXX inspection as proof of the car 's clean history. 
However, this year, I ran my own XXXX report and was shocked to discover that the vehicle had actually been in an accident on XX/XX/XXXX, XXXXmore than a year before I purchased it. Had I known this, I never would have bought the car. Now, this accident is permanently attached to the vehicles VIN, significantly reducing its resale value and causing diminished value. 
Whats worse, this has had a direct financial impact on us. Our vehicle was involved in an accident last year, and we filed a diminished value claim, only to be told that Oklahoma state law nullifies our claim due to the previous accident from XXXX. Because of Carvanas failure to disclose this crucial information, we are now unable to receive any compensation for our legitimate diminished value claim. 
Carvana had a responsibility to properly investigate and disclose the vehicles history before finalizing the sale. Instead, they are refusing to take any accountability and are shifting all the blame onto XXXX. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
I have requested a written mortgage reinstatement quote, so I can pay my mortgage current. Shellpoint has stated that they aren't sure they can provide it before the foreclosure sale date. I have the funds to pay the account current. Per XXXX  XXXX  rule E-3.2-08, Processing Reinstatements During Foreclosure, The servicer must accept a full reinstatement of a first XXXX mortgage loan even if foreclosure proceedings have already begun. This is also true for a second lien mortgage loan as long as the first XXXX mortgage loan is not delinquent or provided the first XXXX mortgage loan servicer has agreed to arrangements for curing the delinquency. After a mortgage loan is either partially or fully reinstated, the servicer must return the original mortgage note to the document custodian if the servicer took physical possession of the original note for the foreclosure action. 

Per this particular I am demanding a reinstate quote be issued immediately. Shellpoint seems to motivated foreclose instead of accepting the reinstatement funds.

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 2025-02-28 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: TX

Complaint narrative:
I have hard inquires that I did not authorize and I want it removed pronto, I sent multiple letter to correct this on XX/XX/year> and on XX/XX/year>. XXXX XXXX XX/XX/year>, XXXX XXXX NA XX/XX/year>

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 2025-02-28 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to provide additional follow-up regarding my complaint against Portfolio Recovery Associates , LLC ( PRA ) in relation to two disputed accounts they are attempting to collect and report to the credit bureaus.

In their response, PRA acknowledged they purchased two alleged debts from XXXX XXXX and claimed that no further documentation ( such as original signed contracts or full account histories ) is required to validate these debts. This position is inconsistent with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : Lack of Original Documentation : PRA has failed to produce a copy of the original signed credit agreements, terms and conditions, or any signed documentation that would confirm my personal liability for these accounts. 
No Itemized Account Histories : They have not provided a complete accounting of how the balances were calculated, including principal, interest, fees, and payments made, which is essential to validate the accuracy of the amounts they claim are due. 
Failure to Prove Chain of Custody : PRA has not provided a clear, documented chain of custody showing how these specific debts, with clear reference to my name and account numbers, were transferred from Capital One to PRA.

Furnishing to Credit Bureaus Without Proper Validation : Despite failing to fully validate these debts, PRA continues to report the accounts to the credit bureaus. Under the FCRA, they are required to ensure all reported information is complete, accurate, and verifiable.

Request for Action I request that the CFPB require PRA to either fully validate these debts ( including providing signed agreements, full account histories, and chain of custody documentation ) or immediately request removal of these accounts from all consumer credit reports.

Further, I request that PRA be investigated for potential violations of both the FDCPA and the FCRA for continuing to report unverifiable information. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The issue is that they are not responding to me, and whenever I request a review for inaccuracies, they mistakenly identify me as someone else, despite providing all necessary personal documents. Under the FDPCA and FCRA, all information must be fully validated and reported with complete accuracy, which is not being upheld. 

Therefore, I have attached a letter requesting validation and verification to ensure the information is reported correctly.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-28 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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