vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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:
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following accounts have been previously disputed through the proper channels and are the result of fraud and/or improper reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This account is duplicated on report XXXX times, with different information on each account. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Proper information was not provided to me within the 30 day period for the validation of these accounts.

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 2023-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
RE : Cease and Desist MIDLAND CREDIT MANAG currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : XXXX XXXX - MIDLAND CREDIT MANAG within 30 days from receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Requested deletion off credit and havent seen any 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
In Accordance with the Fair Credit Reporting Act The list of Accounts below have violated my Federally protected consumer rights to Privacy and Confidentiality under 15 U.S.C 1681 Account # XXXX XXXX  XXXX XXXX XXXX : ( XXXX XXXX XXXX ) Amount {$1800.00} 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I have called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, Al XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX are not mine and should not be listed on my credit report. 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. XXXX XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX, DPT Ed/ XXXX Account # XXXX ; DPT Ed/ XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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. These items have been reported inaccurately and without my consent as well as the following inquiries which i have disputed and filed an identity theft report with the Federal trade Commission. I have attached proof of the identity theft report, the letter that i sent certified, as well as the inaccurate results of Transunions investigations.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following is a violation of my consumer rights. I am not liabe for the alleged debt with Account name : XXXX XXXX XXXX XXXX. / Account number : XXXX. The original Creditor, The XXXX  XXXX XXXX  charged off this debt and sold it to XXXX XXXX XXXX. I requested a Form 1099 -C from the original creditor but never received one. This is a violation because Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. This debt has now changed to income and must now be filed with my taxes. Ordinary income does not appear on your consumer report This means that the status of a Charge off is actually an illegal and fraudulent act and should not appear on any 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to each credit bureau ( XXXX, XXXX and TransUnion ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to each credit bureau ( XXXX, Equifax and XXXX ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
i purchased a home in XXXX and that was my last hard inquiry i authorized. after that there has been XXXX different hard pulls to my credit report. From an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I called transunion and tried to get it resolved but they said it was nothing they could do, so thats why i am contacting the CFPB

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
In XXXX I entered into covid for forbearance with Veterans United and it was explained to me that at the end of my covid pause that they would be able to modify my loan or refinance to a lower rate. As I was applying for the modification for 3 months I was entering into my application the same information over and over for 3 months when they had all the information the first two weeks. Then exactly after my 6 months of covid pause then they tell me that my modification was rejected. It was my instruction that the company would at least in the end wait until I refinance to collect arrears. I am able to make my normal payments but now they tell me they won't accept my payment only the whole amount due. My income is now the same as when I bought the home to qualify for the mortgage but it seems that it won't work with me on on the matter. I feel that the company is not treating me fairly with the covid situation I had which was not my fault. My wife after the covid shot irritated a XXXX in her head with led to a major operation and effecting my income for a whole year and it seems a company working with XXXX XXXX  would be a little more considerate of the situation during the covid forbearance. I know that I'll be refinancing soon and I could pay the arrears.

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 2023-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I turned my lease in on XXXX and Ally Financial sent me a bill for {$1900.00}. 

They are claiming the a rear taillight was cracked, a tire was below the tread line and I was a few days late on turning it in. 

Tail light : I took pictures of the entire car inside and out and I sublimed the picture to them but they claimed the picture was inconclusive, bottom line taillight was not cracked. 

Tire : I replaced all 4 used tires before turning in I verified the tread before purchase and they were acceptable. 

Turn in Date : I turned in the vehicle on XXXX but Ally sais I turned a few days later than that. I have proof from the dealership that I did turn it in on the 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 monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX has fraudulently failed to waive its annual fee for me, an XXXX XXXX XXXX, after promising no annual fee for all military members. Since then, AMEX has strung me along with 30-60 day " investigations '' into my XXXX status. 

I commissioned in the XXXX XXXX in XX/XX/XXXX. I entered full-time XXXX XXXX in XX/XX/XXXX. American Express represents that XXXX military members may obtain a Platinum card with no annual fee. Indicating my XXXX status, I applied for and received a Platinum card in XX/XX/XXXX. In XX/XX/XXXX, I noticed that AMEX had charged me a {$690.00} annual membership fee. Looking back, I found that they had charged me {$690.00} in XX/XX/XXXX as well. 

I began inquiring with AMEX regarding why I was twice charged an inapplicable fee, I received letters saying I was ineligible for " MLA '' and " SCRA '' benefits, and they assured me they would investigate, providing a window of 30-60 days for resolution. Multiple " investigations '' were conducted, each time after 30-60 days concluding that " after checking the DoD database, I was ineligible '' or not on XXXX XXXX. 

This process has continued throughout XXXX, each time AMEX assuring me that they are investigating and finding no information from the DoD. From XXXX XXXX, I have additionally provided AMEX both ( 1 ) my XXXX XXXX orders and ( 2 ) verification of my XXXX  status from the DoD Manpower Data Center XXXX On XX/XX/XXXX, after I provided that documentation, I was assured my case had been " elevated '' and that I would hear back in 10-14 days. After hearing nothing for nearly a month, I called AMEX on XX/XX/XXXX and was informed that there was no difference between a normal case and an " escalated case '' and that I would ( again ) hear back in 30-60 days. In the meantime, I was advised by AMEX to " tell my superiors to verify that I am on XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
Someone has fraudlently used my personal information to obtain services. I have been a victim of identity theft! I never have had any dealings with this company- Wakefield & Associates or the oringinal debtor ( XXXX XXXX XXXX XXXX ). I've tried to rectify this with the collection company but they keep giving me the run around. The debt is in the amount of {$1300.00} and it states that it was opened on! XXXX. Again, I have never had any dealings with either of the above mention companies. Nor have I given anyone permission to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: AK

Complaint narrative:
disputed credit inquiries : 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 Disputed address : XXXX XXXX XXXX XXXX XXXX XXXX, AKXXXX

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to three different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus Experian XXXX XXXX and XXXX or validating debts that they do no investigation on this is a violation of the fair 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My ex-wife stole my identity and social security number to purchase a car. She did it as a co-owner without my knowledge. She wrote false information on the loan documents. She purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I was unaware until XXXX of XXXX when I was looking at my credit report and noticed it. Once I noticed it, I asked her to return the vehicle and get it paid off. I reported it to the police but they told me that they were unable to take it on as it is a civil case. I reported it to Capital One Auto, however, they denied my claim. The total amount stolen was {$29000.00}. She stopped making payments and I felt frustrated and like I had no recourse and my credit was taking a hit so I made a few payments. I have made a fraud report with XXXX and Capital One Auto. I had a court date where she did not show up. so the judge didnt do anything because he didn't hear from her.

Company response to consumer: Closed with explanation