vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: NY

Complaint narrative:
Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like XXXX, Experian, and XXXX, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency XXXX only share a consumers information if they have written consent. XXXX, Experian, XXXX, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under 12 CFR 1016.7, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with XXXX, Experian, XXXX, and any associated furnishers of information. 

The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. XXXX, Experian, and XXXX, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which XXXX, Experian, and XXXX have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.

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 2024-11-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-17 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: MD

Complaint narrative:
Credit Report has inquiries unauthorized dates : XX/XX/XXXX Credit Report code XXXX XXXXXX/XX/XXXX Credit Report code XXXX XXXX Please ask companies to remove both inquiries immediately as they are both unauthorized. I have place a fraud alert on my Trans Union Account and Credit report I did not authorize these inquiries. I would anticipate my score being placed back into tact.

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 2024-11-17 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX, Midland Credit Management , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ATM OPS INC
State: OH

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX ( The Fraudster ) which involved me making deposits for a total amount of XXXX USD using their services. I was manipulated by the scammer, he deceived me into sending my funds, when he also used XXXX to hack my wallets and steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
I was listed on a refinance that I have not been on the deed for since XX/XX/year>XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: OH

Complaint narrative:
I am victim of XXXX XXXX. The following accounts are a result of XXXX XXXX Attached is my VICTIM DETERMINATION LETTER, ID, PROOF OF 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not believe that the debt that is reported for the amount of {$510.00} from Resurgent/LVNV Funding is valid. I have no knowledge of this company or debt. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent.

Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I do not believe that the debt that is reported for the amount of {$3900.00} from UPGRADE INC is valid. I have no knowledge of any account with this amount owed. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent.

Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Signed for car at XXXX from XXXX XXXX XXXX left the lot within 4 hours car had check engine light come on. They had the car for over 2 months and would call me every week or every 2 weeks saying its fixed and before i would leave the lot the check engine light would come back on. So after all that time i contacted the XXXX XXXX XXXX and they had them replace the motor and light was still coming back on the first week. Had the vehicle for 5 months and the engine went out after i took it shop and they explained the knocking and blown motor came from them using the old spark plugs and coils which weren'tany good causing the failure. Then when i returned the vehicle they auctioned it off and my balance after everything was XXXX dollars and i asked for all payments and deductions and they would only show the balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have automatic payments set up with PayPal Credit. My payments have been debited correctly in the past. The XX/XX/XXXX payment was set up to come out of my checking account, but instead PayPal Credit tried to debit it from my savings which did not have enough money in it. The payment was denied. When I received the email about this denial I immediately contacted PayPal and was told it was an error and the payment would be taken out of the correct account in a few days. The agent and I went over which account was listed as the default for the automatic payment. It was my checking account, which was viable. I kept checking my checking account to see if the payment had been debited. It wasnt and I once again contacted PayPal Credit who then recommended I just make a separate payment, which I did. Though my automatic payment is set up to be debited from my checking I cant seem to convince PayPal Credit that they are trying to debit the wrong account which is not listed as the default account which ends in XXXX. They have closed my account though I am never late with my payments except for this XXXX when they tried to access account XXXX. I tried to rectify the problem and despite conflicting information, did make the payment and an additional payment. Im fine with PayPal Credit arbitrarily closing my account with no explanation. I will no longer use their services.

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 2024-11-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whomever this may concern, Regarding reference # XXXX Account ending in XXXX I attempted to make an on-line single purchase using my Wells Fargo debit card ending in XXXX for the amount of {$63.00} with an international clothing company, XXXX ( also known as XXXX ) on XX/XX/year>. However, my Wells Fargo debit card was rejected/decline on three attempts per online message received at time of checkout. I then proceeded to use an alternate means of payment utilizing XXXX pay in 4 loan instalment agreement. In which payments of {$15.00} would be deducted from my XXXX XXXX XXXX credit card ending in XXXX every 2 weeks for a total of 4 payments-until {$63.00} paid in full. On XX/XX/year> I logged into my WF online banking account to discover there was three duplicate transactions of {$63.00}, {$63.00}, {$63.00} from clothing company XXXX totalling {$180.00}.

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 explanation
Consumer complaint received 2024-11-17 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-17 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: DE

Complaint narrative:
15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT 's failure to provide evidence of the debts validity through XXXX, XXXX, and XXXX is consistent with their documented violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ). 

I am disputing a collections account reported by MIDLAND CREDIT MANAGEMENT on my credit report. I submitted multiple dispute letters to XXXX, requesting that they investigate the accuracy and validity of this account. 

However, XXXX, XXXX, and XXXX have failed to provide any documentation or evidence from MIDLAND CREDIT MANAGEMENT to substantiate the validity of this debt or demonstrate that it is accurate and enforceable. 

Despite my efforts to dispute this account, it remains on my credit report without any proof of its legitimacy. 

MIDLAND CREDIT MANAGEMENT has violated federal law by : Failing to properly investigate disputes or provide documentation to consumers. 

Furnishing inaccurate and unverified information to credit reporting agencies. 

Continuing collection efforts on unsubstantiated or time-barred debts. 

These practices align with the Consumer Financial Protection Bureaus ( CFPB ) findings regarding widespread violations by debt collection companies. I believe this account may be part of MIDLAND CREDIT MANAGEMENT 's ongoing pattern of unlawful behavior, as documented by the CFPB. 

I respectfully request the immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX due to its unverifiable nature and MIDLAND CREDIT MANAGEMENT '' s documented history of noncompliance with federal laws. 

Key Account Information : Debt Collector : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$3300.00} Debt Collector : MIDLAND CREDIT MANAGEM, which claims to have purchased an alleged debt originally from XXXX XXXXXXXX XXXX  Account XXXX Amount : {$650.00} Debt Collector : MIDLAND CREDIT MANAGEM, which claims to have purchased an alleged debt originally from XXXX XXXX XXXX Account Number : XXXX Amount : {$620.00} Certified Mail receipts with letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit report.Transworld Systems, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Had a purchase declined on XX/XX/year> for ticket master around XXXX XXXX. Called CiTi ( Costco ) and was referred to fraud department. Spoke to XXXX the supervisor in XXXX XXXX office at XXXX XXXX. Gave them 3 telephone numbers for them to send verification texts or call and they were unable to get their system to work. They said there was nothing they could do. Left with a useless credit card. Said they could send paperwork in 10-15 business days. Unacceptable

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 2024-11-17 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:
15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: DE

Complaint narrative:
15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX 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