vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of Home Depot 's receipt that was canceled because I caught it this people in New York were trying to buy XXXXXXXX XXXX worth of cameras at Home Depot with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called Home Depot and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told Home Depot it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance

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 2024-06-02 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: CA

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms XXXX XXXX this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXXXXXX XXXX receipt that was canceled because I caught it this people in New York were trying to buy XXXX XXXX worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance

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 2024-06-02 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: TN

Complaint narrative:
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA XXXX Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a 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 explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told XXXX, XXXX, and TransUnion to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I told XXXX, Equifax, and XXXX to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
This company has made it impossible for me to resume working for XXXX. I was charged with a XXXX XXXX  and this company quickly reported that pending charge to XXXX. I have been unable to work at XXXX since even though this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my record on XX/XX/year>. I reached out to first advantage who took 30 days to come back and say that the charge was still pending and that their information was accurate. They wanted me to reach out to the courts and provide them with proof it was dropped, even though that is not my job nor should I, the consumer, have to prove my innocence to a reporting company that can not properly report information. My background is totally clear and the charge I was wrongfully charged with was dropped, not dismissed, by the police agency that charged me. I need them to accurately report my information to XXXX so that k may gain my employment back. As I should and would be able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears again that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: IL

Complaint narrative:
To, CFPB I have tried to work this out with Experian in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. 

The correct spelling of my name is XXXX XXXX. 
Neither of these social security numbers is mine. NEVER HAVE BEEN, but they are attached to my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is my current and only address. 

I DEMANDED ALL INACCURATE INFORMATION BE REMOVED IMMEDIATELY! 

I demanded that all collections be removed from my credit report. I15 USC c 1681 a 2 a1 implies that such information is intended to remain between the customer and the entity. My privacy, security and confidentiality. 15 USC 6802 says no company he's the right to report my information and they keep reporting the same inaccurate information on me year after year.

I DEMANDED THIS PRIVATE INFORMATION TO BE REMOVED IMMEDIATELY!

I demanded my employment information be removed. Again this is a violation of my privacy according to the FCRA. Are you kidding me? I worked at XXXX when I was XXXX XXXX XXXX, I am now XXXX XXXX XXXX. I feel like they have single-handedly caused damage to my reputation, my character, and my mode of living. 

All INFORMATION NEEDS TO BE REMOVED IMMEDIATELY! 

The same with the inquiries no one can show the application that I applied for a vehicle on XXXXXX/XX/year>, I wrote each one of them, but still no reply. I filed a complaint on IdentityTheft.com and I still see this on my report. 

If you can help me that would be life-changing. I have been blocked from acquiring things that I wanted because of false information about me. 


Thank you, XXXX XXXX ( Any supporting documents, if applicable )

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 2024-06-02 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: TN

Complaint narrative:
It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a 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
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Given these violations, I demand the immediate removal of all these collection accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Complaint Against Midland Credit Management for Improper Debt Collection PracticesDear Sir/Madam, I am writing to file a complaint against Midland Credit Management , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA  XXXX, and their attorney, XXXX  XXXX. 
Constractor, New Jersey law, firmXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX NJ XXXXXXXX, for improper debt collection practices.Summary of Events : Bank Account Frozen : I live in New York and have a bank account here.On XX/XX/2024, I found out that my XXXX XXXX  account was frozen with {$800.00} taken.I never received any court papers about a lawsuit against me in New Jersey.Wrong Address and Misleading Notices : I objected to the bank account freeze in XXXX XXXXDespite providing my correct New York address , the court continued to send notices to the wrong address.The notices instructed me " Do not come to the court '' and stated " No oral arguments will be presented. " My objection was subsequently denied on the grounds of " failure to appear '' for the hearing, despite the misleading notices and improper address use.Legal and Financial Issues : New Jersey law states that funds under {$1000.00} are exempt from garnishment.The court 's ruling was based solely on the documents provided by the plaintiffs attorney, which violates both federal and state laws.The actions of Midland Credit Management and their attorney have caused me financial and emotional stress.Pattern of Complaints : Midland Credit Management has many consumer complaints against them for similar issues.They are using New Jersey authorities in ways that violate New Jersey law.Request for Investigation : I am asking the Consumer Financial Protection Bureau to investigate the actions of Midland Credit Management and their attorney. Specifically, I request : An investigation into why my bank account was frozen.A review of the court 's handling of my case, including the wrong addresses and misleading notices.Assurance that New Jersey law and federal laws are being followed regarding exempt funds.An examination of the broader pattern of complaints against Midland Credit Management.A resolution that addresses the financial and emotional harm caused to me.Thank you for your attention to this matter. I look forward to a prompt resolution.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: IL

Complaint narrative:
Due to these violations, I demand that you update the payment status of these accounts to " Paid as Agreed '' and remove the late remarks 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 non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to these violations, I demand that you update the payment status of these accounts to " Paid as Agreed '' and remove the late remarks 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 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
In light of these violations, I insist that you promptly delete all these collection accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WV

Complaint narrative:
XXXX was sent to a collection company several years ago for an unpaid phone. At XXXX years, it dropped off my credit after I disputed it. XXXX months later, they filed with a different collection company. I have disputed it again and they are refusing to comply.

Company response to consumer: Closed with explanation