vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: Birchwood Credit Services, Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Section XXXX, credit inquiries are only permitted if there is a permissible purpose. According to 15 U.S.C. 1681b, a permissible purpose includes having explicit consumer consent or being related to a transaction initiated by the consumer, such as an application for credit, employment, or insurance. 

I did not authorize this inquiry, nor did I initiate any transaction with your company that would justify this inquiry. Therefore, this inquiry is in violation of the FCRA. The presence of this unauthorized inquiry on my credit report is negatively affecting my XXXX XXXX and could potentially impact my financial opportunities. 

I request that you immediately investigate this unauthorized inquiry and provide me with documentation or proof of my authorization. If you can not provide such proof, I demand that you contact the credit bureaus ( XXXX, XXXX, and XXXX ) and request the removal of this unauthorized inquiry from my credit report. 

Please provide me with written confirmation of your actions to resolve this matter within XXXX  days of receiving this letter. Additionally, I request that you provide the name, address, and telephone number of the person or entity that authorized the inquiry, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
My credit Report is showing an account of consumer Portfilio Service , Inc and they call and Harass Me daily about an account that was in clouded in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of 15 U.SCode 1681b.Permission of a purpose of Consumer Reporting under which section 15U.SCode1681..I never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: VA

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 Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX accepted the false check from unknown largest deposit to increase in my balances and a few days later collapsed fund by fraud. Named XXXX XXXX, now known real name as XXXX XXXX is the fraudulent. She deposited the fund to my and she told me to donate about {$77000.00} and then {$10000.00} to XXXX XXXX. " Friend and Family '' When I donated {$350.00} to XXXX XXXX account in the spring that need to fix sink that wasn't a serious suspect. Until XX/XX/XXXX, not normal she and I went more serious fight on the exchange texts that I required her neighbor XXXX XXXX and XXXX in XXXX to show his ID proof at XXXX XXXX because PayPal caused computer system problem. She told me that she lives in XXXX XXXX area. 

I went to see the branch manage that urged to check the balance and. Unfortunate, I learned she told me the check was no good deposit ( fraud ) and freeze-closed two accounts. A week later, I reported the complaint crime to the XXXX Police Department filed XXXX on Wed, XXXX XX/XX/year>. 

A few days later, I reported the fraud complaint to PayPal and I explained to the fraud of department that XXXX XXXX is a suspicious fraud. PayPal did not take a serious investigation resulted, and he told me on the phone. It was simply the computer because it considered " friend and family '' and I authorized the credit card through the computer by XXXX computer system or fraudulent account. I disagreed with PayPal because the computer system caused wire fraud is a type of fraud that involves the use of some form of telecommunications or the internet. 

PayPal also required me to force pay all money, {$4600.00} to XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX resulted of XXXX XXXX fraud and scam. I explained seriously clear to PayPal to look at XXXX XXXX fraud account that my XXXX XXXXXXXX XXXX caused fraud transfer. I am sure the fraudulent owns the account. 

PayPal refused to explain a respectfully business with matter question and I refused to contact XXXX XXXX that I have a good reason to believe the criminal account is related to fraudulent without takes the serious information to look into XXXX XXXX, who is real. 

I fight to close my account or cancel money to XXXX XXXX. Thats unacceptance, PayPal helps to crime accounts without looking at the serious into a crime information that the Fraud of Department needs to cooperate with XXXX Police Department, FBI, and XXXX enforcement law investigation into XXXX XXXX information or false name related to XXXX XXXX ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00}

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 2024-09-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Never opened this account someone has my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. - XXXX Account : XXXX XXXX Owed {$3600.00} XXXX XXXX. XXXX Account XXXX XXXX : {$7200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account : XXXX : {$11000.00} Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX -- -- These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.

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 2024-09-23 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:
XXXXXXXX XXXX XXXX is not responding to my appeal XXXX  about the invalid 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 2024-09-23 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: ROYAL UNITED MORTGAGE LLC
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries are only permitted if there is a permissible purpose. According to 15 U.S.C. 1681b, a permissible purpose includes having explicit consumer consent or being related to a transaction initiated by the consumer, such as an application for credit, employment, or insurance. 

I did not authorize this inquiry, nor did I initiate any transaction with your company that would justify this inquiry. Therefore, this inquiry is in violation of the FCRA. The presence of this unauthorized inquiry on my credit report is negatively affecting my credit score and could potentially impact my financial opportunities. 

I request that you immediately investigate this unauthorized inquiry and provide me with documentation or proof of my authorization. If you can not provide such proof, I demand that you contact the credit bureaus ( XXXX, XXXX, and XXXX ) and request the removal of this unauthorized inquiry from my credit report. 

Please provide me with written confirmation of your actions to resolve this matter within XXXX  days of receiving this letter. Additionally, I request that you provide the name, address, and telephone number of the person or entity that authorized the inquiry, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
dismissed bankruptsy too many errors causing major problems delete off my account XXXX  has deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX XXXX XXXXXXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX XXXX XXXXXXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-23 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: SC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-23 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$7500.00}

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 2024-09-23 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Follow-Up on Complaint XXXXXXXX  Violation of the Fair Credit Reporting Act ( FCRA ) by AMERICAN EXPRESS and XXXX I previously submitted a formal complaint on XX/XX/XXXXXXXX XXXX XXXX concerning the unauthorized and inaccurate reporting by AMERICAN EXPRESS on my credit report and the subsequent denial of my fraud block request by XXXX. Despite my repeated requests, XXXX has declined to take appropriate action, and the inaccurate information remains on my report. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information within 4 business days of receiving a valid request. It has been over 30 days since my original notification on XX/XX/XXXX, and both AMERICAN EXPRESS and XXXX have failed to provide the necessary documentation to validate the alleged debt. 

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to denials of credit or unfavorable financial terms. 
Emotional distress : Resulting from the inaccurate information on my credit report. 
Financial harm : Due to credit denials and higher interest rates. 


I request the immediate removal of the inaccurate information from my credit report. If the information is not removed, I will be forced to pursue legal action to recover damages, including statutory and punitive damages, along with attorneys fees. 

Additionally, I invoke Estoppel by Silence, as neither AMERICAN EXPRESS nor XXXX has provided the required evidence within the necessary timeframe. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies under 15 U.S. Code 1681n. 

I look forward to your swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : XXXX XXXX accessed my credit report with a hard inquiry without authorization. 

I then filed a complaint with CFPB. 

XXXX responded I owed the debt when there was no debt only the unauthorized hard inquiry. 

XXXX did not remove the hard inquiry as was required.

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 2024-09-23 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: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by XXXX I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by MIDLAND CREDIT MANAGEMENT concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, MIDLAND CREDIT MANAGEMENT has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, XXXX has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms.

Emotional distress : Caused by the ongoing presence of inaccurate information.

Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines.

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees. 

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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