vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: OH

Complaint narrative:
LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
I have inquiries on my credit report that not authorized by me I am a victim ohf identity theft and I will like these deleted due to my fcra rights.. I will upload documentation with my dispute Thanks

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to address your recent communication concerning the debt referenced above. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt in question. 

I contest the legitimacy of this debt and ask that you supply me with the following information : The original creditors name and address. 
The original account number and the amount due. 
Evidence of your authorization to collect this debt. 
The dates and sums of any payments made towards this debt. 
The date of the last payment made on this debt. 
Any relevant interest or fees added to the debt. 
Additionally, I request that you furnish me with copies of any documents or contracts that substantiate your claim that I am liable for this debt. Please provide all requested information within 30 days of receiving this letter. 

If you are unable to furnish this information or verify the debts legitimacy, I ask that you cease all collection efforts and remove this debt from my credit report. 

Be advised that any further attempts to collect without providing the requested information will be deemed a violation of the FDCPA and may result in legal action against your agency. 

I appreciate your prompt attention to this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I noticed this item on my credit report one day and so I called California check cashing to inform them that I believe that I must be a victim of identity theft because I never applied for or received a loan from them. They informed me that the account was already sold to a third party debt collector agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have never lived at this address. I asked the credit reporting agencies to remove, but it is still fraudulently being reported.

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 2024-09-30 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 never lived at this address. I asked the credit reporting agencies to remove, but it is still fraudulently being reported.

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 2024-09-30 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
In accordance with The Fair Credit Reporting act. The list of counts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.section 602-a My Rights has been Violated, 15 U.S.C ,604 section -2 State say consumer reporting agency can not furnish an account without my reading instructions to do so. 15 USC - 1681 c a-5 no consumer reporting agency may make any consumer reporting containing any of the following items or information other adverse item of information other than records of convictions of crime which Antedates the report by more than 7 years. And 15 USC 1681-s ( 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 responsible causes to believe that the information is Not incorrect or accurate. 
XXXX XXXX XXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXX is inaccurate Account. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - All the Negative accounts & All the Hard Inquiries on my Profile has caused life Trauma. I have not given written consent to any creditors. I am totally violated and needs ALL these derogatory accounts removed from my credit profile permanently. Effective immediately. This is total violation of my privacy. And my Rights. I requested a deletion of all this accounts. Multiple times I have not gotten a fair response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX XXXX was working with Citi Bank to be approved for a Mortgage for a co-op to buy. Citi bank requested a lot of documents, and took us on over a 1 year process to just deny us the loan. XXXX XXXX requested the loan by herself, was denied, than added her son in law, with XXXX XXXX being on the deed. Everything was verified, we had to get paperwork notarized explaining the relationship between everyone, which should not matter. Eventually we were denied and approved by another mortgage company that only took use 3 months to approved.

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 2024-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Sir/Madam : My name is XXXX XXXX XXXX and I am writing to file a formal complaint regarding a serious financial issue that has negatively impacted my account and credit score. I mistakenly purchased a domain through XXXX for {$28000.00}, thinking it was priced at {$28.00}. Upon realizing the mistake, I immediately contacted XXXX customer service and followed the necessary steps to cancel the transaction before it was finalized. 

XXXX removed the domain from my account, which I understood to be a resolution in my favor. However, to my surprise, PayPal is still reflecting a {$28000.00} debt, even though neither my bank nor PayPal processed the payment due to insufficient funds, and I never took possession of the domain. 

This unjust charge is severely impacting my credit, despite the fact that I do not own the domain, nor did I authorize such a charge. Despite multiple appeals and communications with both XXXX and PayPal, this issue remains unresolved. 

I am formally requesting that a thorough investigation be conducted, and that this unauthorized debt be removed from my PayPal account. Should I not receive a favorable response within XXXX business days, I will be forced to pursue further legal action and file my case with the appropriate consumer protection authorities. 

I appreciate your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX of XXXX with a balance of {$6400.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2024-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX Account number XXXX {$12000.00} XXXX XXXX XXXX Account number XXXX {$13000.00} XXXX XXXX XXXXXXXX Account number XXXX {$16000.00} MY INFORMATION HAS BEEN COMPROMISED. I CALLED EQUIFAX AND THIS COMPANY TO SEE WHAT WAS GOING ON AND RECEIVED NO HELP. THESE ACCOUNTS ARE FRAUDULENT. I HAVE MY FTC REPORT ATTACHED. 
15 U.S.C. 1692 et These accounts have not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Was paying till XXXX and requested to drop interest rates but they didnt reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Bought a bike online, was never delivered. Contacted credit card company, said it was delivered, when I asked for a tracking number they provided a fake tracking number. They want me to pay the {$900.00} bill

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 2024-09-30 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications. 
For employment screening ( with my consent ). 
For insurance underwriting. 
For account review or collection of an account. 
Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via XXXX, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.

Company response to consumer: Closed with explanation