vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
There was an old debt on my credit report ( amount {$2700.00} ) managed by " Reel Time Capital LLC '' and now shows as " XXXX XXXX. '' Internet research shows that " XXXX ... '' likely purchased " Reel Time ... '' but that's not the problem. The account shows an " Opening Date '' of XX/XX/2023 and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is synchrony bank and they sold it to XXXX XXXX, which is not authorize by me to have my debt my is with synchrony bank I required the information from synchrony Bank but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to XXXX XXXX  and XXXX XXXX XXXX is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with XXXX XXXX, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: AZ

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have written before to the credit bureau about my address and phone number that are current along with my name. Please delete all other names and address on file. My names should be XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, De XXXX, and my phone number is XXXX. Any other should be considered wrong and there fore deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
The information contained in your reporting to the credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of further reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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 2024-02-18 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: FL

Complaint narrative:
I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
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

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 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
I never received any notices about a debt that was in my name. The only thing I received from the company is a lawsuit. I have some things on my credit that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have written before to the credit bureau about my address and phone number that are current along with my name. Please delete all other names and address on file. My names should be XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, De XXXX, and my phone number is XXXX. Any other should be considered wrong and there fore deleted.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have written before to the credit bureau about my address and phone number that are current along with my name. Please delete all other names and address on file. My names should be XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, De XXXX, and my phone number is XXXX. Any other should be considered wrong and there fore deleted.

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 2024-02-18 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: WI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello this is the third time that I've tried to get the collection companies to verify and check to see that these companies are correct and if not correct to be taken off of my account. I don't know where they got some of these companies from but here they are. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I don't know who these companies are so I would expect you to verify these accounts and check them. If these companies can't be verified then delete them from my account at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I have unauthorized credit inquiries on my credit due to identify theft, Ive submitted more than 3-4 documents each time supporting & XXXX  id the only one who wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
I have unauthorized credit inquiries on my credit due to identify theft, Ive submitted more than 3-4 documents each time supporting & equifax id the only one who wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I've tried to contact Credit acceptance several times regarding them running a credit inquiry on my credit report twice a month without my permission. I haven't heard back from them and I haven't gotten any answers!!

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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is XXXX  XXXX  and they sold it to portfolio XXXX, which is not authorize by me to have my debt my is with XXXX XXXX I required the information from XXXX XXXX  but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to portfolio recovery and XXXX or recovery is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with portfolio recovery, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: AZ

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To fully grasp the sequence of events, let 's rewind to XX/XX/XXXX. It was during this period that I found myself ensnared in the web of identity theft. Numerous credit card and bank accounts were illicitly opened in my name, with funds being siphoned from my accounts without my authorization or awareness. Resolving this ordeal became an arduous task, necessitating the filing of a police report, extensive communication with credit bureaus, and reaching out to my banking institution. The process stretched on for months, causing considerable frustration and stress. 

Fast forward to Friday, XX/XX/XXXX, when I received notification of a collection debt tagged onto my XXXX report, totaling {$2800.00}, courtesy of XXXX XXXX XXXX XXXX. Upon contacting them for clarification, I learned that the debt stemmed from The XXXX XXXX XXXX in XXXX, with the account number XXXX attached. Asserting that this was likely a remnant of the identity theft incident from XXXX, I promptly furnished them with a copy of the police report as evidence. Additionally, I initiated a dispute through XXXX and placed fraud alerts across all my credit bureaus. Thankfully, XXXX and XXXX acknowledged my innocence in the matter, ultimately resolving the issue. 

However, the repercussions reverberated through my credit score due to the debt 's appearance on my report. Subsequently, I embarked on a mission to rectify the situation by reaching out to each of my financial institutions. XXXX requested the aforementioned police report from XXXX as further proof of my identity theft, but in an unfortunate twist, someone erroneously flagged a legitimate Capital One Venture X card I had opened in XX/XX/XXXX. This card served as my primary means of daily transactions, making the abrupt closure without my consent all the more bewildering. The consequences were dire, as I forfeited over XXXX pointsequivalent to a substantial monetary value exceeding {$2500.00}. Frantically, I scrambled to reroute all my payments to a new card to avert any penalties. Despite repeated efforts through numerous calls to Capital One and XXXX, my appeals to reopen my account and reclaim my hard-earned points fell on deaf ears. I even obtained a letter from Capital One stating that account was opened by me legitimately, but my account was still not reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: WI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-02-18 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: WI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've been trying to get unauthorized hard pulls from my credit report since XXXX of XXXX thru XX/XX/XXXX, each time if file disputes with Transunion and XXXX nothing happens, i have a XXXX and I'm and XXXX American, the unauthorized hard pulls on my credit report prevent me from getting car loans, I've attached again a new record of dates, i filed a complaint with local XXXX against XXXX XXXX XXXX XXXX, they refused to remove the unauthorized pulls. I'm currently under doctor 's care because of my decreasing health due to chronic XXXX XXXX i get from riding a city bus, this has been going on for over a year. I'll be reaching out to the FTC on Tuesday for help. XXXX and Transunion recently got fined millions of dollars for activity like this to renters, they're doing the same to people of XXXX when it comes to credit.

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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I have XXXX negative marks on my credit report from your company I believe the original lender may be medical. I have tried contacting multiple times. I would like an itemized list on what exactly I allegedly received to owe this debt. XXXX of the marks are for the exact same amount. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me. I am requesting that you allow me to verify the alleged debt. Thank you.

Company response to consumer: Closed with explanation