vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This account is being incorrectly reported a collection with a balance past due. Please provide proof of collection and delete negative payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are XXXX accounts on my XXXX credit report that are fraudulent. 1. Capital One account that appears as closed on my credit report from XX/XX/XXXX. This is not my account, I asked to the company to produce my signature on a contract for credit. I did not receive any documentation. 
XXXX. XXXX XXXX  XX/XX/XXXX another account that is fraudulent and I asked the company to produce my signature of credit I applied for. The company failed to produce that information. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX only has failed to produce a signed contract agreement that I would have had with them. XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is another fraudulent account that doesnt belong to me and the company failed to produce a signed contract agreement with my signature ( shows only XXXX XXXX XXXX only ). 


There are XXXX hard inquiries on my XXXX report that fraudulent and do not belong to me. The first one is XXXX XX/XX/XXXX. I called and ask the company to supply me with a contract and agreement where I asked for credit. I do not have any loan and or credit on my report that associates with this creditor. The second one is XXXX XXXX XXXX XX/XX/XXXX. This is a fraudulent inquiry that I did not apply for nor have any account linked to this. I asked the company to produce my signature on any agreement for credit. They failed to provide me with any documentation. I would like to have these accounts removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
There are XXXX  accounts on my Experian credit report that are fraudulent. 1. XXXX  XXXX account that appears as closed on my credit report from XX/XX/XXXX. This is not my account, I asked to the company to produce my signature on a contract for credit. I did not receive any documentation. 
2. XXXX XXXX  XX/XX/XXXX another account that is fraudulent and I asked the company to produce my signature of credit I applied for. The company failed to produce that information. 3. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian only has failed to produce a signed contract agreement that I would have had with them. 4. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is another fraudulent account that doesnt belong to me and the company failed to produce a signed contract agreement with my signature ( shows only Experian XXXX XXXX only ). 


There are XXXX hard inquiries on my XXXX report that fraudulent and do not belong to me. The first XXXX is XXXX XX/XX/XXXX. I called and ask the company to supply me with a contract and agreement where I asked for credit. I do not have any loan and or credit on my report that associates with this creditor. The second one is XXXX XXXX XXXX XX/XX/XXXX. This is a fraudulent inquiry that I did not apply for nor have any account linked to this. I asked the company to produce my signature on any agreement for credit. They failed to provide me with any documentation. I would like to have these accounts removed from my XXXX 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed missing credit card account information that should be listed on 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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This account is incorrectly reporting as a collection account with a balance past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony 's XXXX credit card advertised favorable equipment purchase financing, but had HUGE hidden fees that kicked in after a certain time period that had me locked into paying into a balance that never really went down for YEARS. 

I requested paper statements for my XXXX Synchrony card, over the phone, twice- and they were not provided either time. 

Most recently, and the primary reason for my complaint : it is impossible to unsubscribe from their Small Business email marketing.The unsubscribe link on the last year 's worth of emails always leads to a " 500 - Internal server error. '' I assumed it was a temporary issue, but now I'm realizing its literally impossible to opt out of these emails that I never signed up for. I have never requested contact from this predatory company, and the frequency and inescapability of these marketing emails ( even AFTER closing the card ) is straight-up harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries may only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency may only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision.

1. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the cons
umer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section.

4. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This account is being incorrectly reported a collection with a balance past due. Please provide proof of collection and delete negative payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute on my credit report. According to the fair credit reporting act ( FCRA ) section 605B. it is illegal to report information on my credit report without my permission. Please remove this item from my report. 


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 2024-12-01 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: NJ

Complaint narrative:
I am writing to dispute on my credit report. According to the fair credit reporting act ( FCRA ) section 605B. it is illegal to report information on my credit report without my permission. Please remove this item from my report. 


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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
XXXX The payment history for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> is inaccurate and reflects a charge-off payment history, which does not represent accurate or truthful information. I request that you update the payment history to reflect correct information or delete the account entirely from all consumer reporting agencies. In XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I demand that this error be corrected immediately and that you provide a detailed explanation of how the information was verified. 

Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal and administrative channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Possible Financial Inc
State: IN

Complaint narrative:
Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX. XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
Credit card - XXXX XXXX ( inquiry ) - added as an authorized user ; XXXX XXXX XXXX XXXX denial letter ) ; XXXX  application XXXX denial letter ) Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Regular inquiries - XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
Credit card - XXXX XXXX ( inquiry ) - added as an authorized user ; XXXX XXXX XXXX XXXX denial letter ) XXXX XXXX application XXXX denial letter ) Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Regular inquiries - XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
I am writing to declare that I am a victim of identity theft. A fraudulent account was illegally opened in my name without my knowledge or consent. Specifically, I have no recollection of applying for or authorizing the account with XXXX XXXX, and I am unfamiliar with its origin. This unauthorized activity has caused harm to my credit and financial reputation. 

I have taken immediate action by filing a complaint with the Federal Trade Commission ( FTC ), and I have enclosed my Identity Theft Report as evidence of this crime. Additionally, I have contacted the credit reporting agencies ( CRAs ) to request validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the information I requested has not been provided, which further confirms the lack of legitimacy surrounding this account. 

The fraudulent activity violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information reported to consumer reporting agencies, and the Identity Theft and Assumption Deterrence Act, which makes the unauthorized use of my personal information a federal crime. 

I am requesting the immediate investigation and removal of this account from my records and credit reports to prevent further harm. Identity theft has impacted my ability to secure credit and maintain my financial well-being. I appreciate your prompt attention to this matter and your cooperation in helping me resolve this issue. Please contact me if you require additional documentation or information.\ Please find attached a copy of my id, a copy of my SSC, a copy of my most recent utility bill, a copy of the FTC complaint and a copy of the validation of dept letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently disputed with Transunion on the following acct becauseof multiple inaccuracies. XXXXXXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX was investigated on XXXX separate occasions and Transunion failed to take action despite their feedback, letters, and responses ***even on here XXXX consumerfinance.gov***. They responded it was updated but no updates OR corrections were executed. They in willful noncompliance with federal law of the FCRA.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

ERRORS XXXX XXXX XXXX XXXXXXXX : XXXX Account was charged off - the balance remains open {$640.00} XXXX Payment status REPEATEDLY reported as C/O month over month - this is reporting ACTIVE PAYMENT HISTORY on a CLOSED ACCOUNT which is inaccurate and illegal and extends the statue of limitations 3- Past due amount listed as {$640.00} - it was charged off therefore NO PAST DUE 4- Charge off on consumer report is INCOME - income is not reported on any consumer credit report 5- Payment history XX/XX/year> and XX/XX/year> BOTH STATE 120 days late - this is WRONG I NOW DEMAND THIS ACCOUNT XXXX XXXX XXXX XXXXXXXX BE DELETED FROM MY CREDIT REPORT IMMEDIATELY PURSUANT TO US CONGRESS FCRA : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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