vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
There is something very suspicious going on at Equifax. Please investigate!!! I am a victim of identity fraud and some fraud group has my personal data. Due to the fraudster obtaining my Equifax information, I've been getting multiple letters in the mail from creditors who are telling me via mail that they are 'unable ' to approve my credit card application since ( 1 ) I have freeze with other credit bureaus ( 2 ) unable to verify identity. In Equifax, there are up to XXXX inquiries related to the fraudster trying to open new credit card under my name. 

On a daily basis, I am playing cat and mouse as the fraudster is using the Equifax 'automated service ' to unfreeze my credit report. I log into my account multiple times/ day to check if my credit is frozen but often times it is revered by the fraudster ( using the automated process via phone ). This is a new complaint but it is related to my original complaint XXXX '. I was on the phone with Equifax for over an hour and a half today ( XX/XX/2023 ), and they couldn't resolve this issue. Equifax rep is saying that the fraudster can use only personal data in the Equifax ' 'automated service ' to unfreeze the credit report. This is process available for everyone and they can't just shut it off for me. I don't understand how other countless ID theft victims don't have this same/ similar issue. I would highly appreciate if the CFPB can look into this mishap in their control and investigate with great intent. I don't want to say it's an inside job but I am also uneasy that the Equifax reps ask for your entire personal information including social security #, address, email, phone number when you call in to inquiry about any issues. I am losing sleep over this matter and the fraudster will eventually/potentially open a false account XXXX day. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XX/XX/XXXX. 

called midland credit to take care of a debt thats on my credit report. The XXXX  guy made a payment agreement with me. He had me go on his website and fill out my info to accept the plan. We were disconnected. I called back and explained the plan and that I was disconnected Telling him all this he asked my address. Well I currently do not have an address as I have been staying in truck or hotels. He then tells me he cant take my payment or that he cant give me a payment plan. After all this was just set up. Asked for manger. Spoke to manager and he agreed on payment that is good till XX/XX/XXXX XXXX but wont accept a payment from me because I dont have an address. Im currently XXXX  still trying to make a payment so I can improve credit better, so I can get out of my situation. 
As I was filling this out getting account number. Went back on the website and the XX/XX/XXXX plan was changed to XX/XX/XXXX now. 
How do I get this removed from my credit if they wont accept a payment? Any help would be greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep frustration and disappointment with the handling of my credit report dispute. Despite my efforts and successful resolution discussions with the concerned banks, Experian continues to play a game of pass the buck, causing undue stress and concern. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have successfully resolved disputes with these banks, and other credit bureaus have promptly removed the disputed accounts. However, Experian 's lack of cooperation and responsiveness is unacceptable. I am now seeking your assistance in expediting the resolution of this matter. I kindly request that Experian rectify this situation promptly and ensure the removal of the mentioned accounts from my credit report. I believe that the Consumer Financial Protection Bureau ( CFPB ) should be made aware of Experian 's lack of cooperation in this matter. I expect the credit bureau to fulfill its obligation to thoroughly investigate and resolve disputes in a timely manner.

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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
At the time that I applied for the car loan I was gainfully employed how ever I became totally XXXX and was unable to work due to my XXXX  reach out to ExeterFinance to come up with a plan they told me they would get back to me and the next communication was a letter stating that they had written it off then sold the account to another person or bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$300000.00} ; XXXX XXXX  XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$32000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX/XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
This debt is from Midland management, I believe that they bought it from the credit card company. The amount is {$2900.00}. This debt is not mine. I have disputed online with XXXX and XXXX. I have asked for it to be validated and for the company to send me the original contract with my signature showing that I owe this debt and they havent. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: SC

Complaint narrative:
on or About XX/XX/2023 I received an updated copy of my consumer credit profile from Equifax, and I notice that XXXX XXXX XXXX is reporting inaccurate information on my consumer credit profile after I have opted-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unauthorized transactions on account and bank is not honoring terms and agreement provided, bank is also violating 1974 privacy act law providing photos and pictures and public and pribate information to 3rd parties vendors, also this is a notice of securities fraud for not crediting account

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 2023-12-27 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: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX  XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} XXXX  XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance XXXX {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-27 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

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 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am certain this account was opened due to fraudulent activity. I would like to have this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 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: MA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 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: MA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For more than a year now XXXX has been reporting a wrong credit score on my Credit Karma profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the XXXX site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on Credit Karma and doesnt even show on the actual XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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