vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  -Balance {$20000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$86.00} -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
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. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  WI XXXX : Ref : XXXX XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-22 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: LA

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. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against XXXX XXXX XXXX XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, XXXX XXXX XXXX XXXX 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : XXXX XXXX XXXX XXXX has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, XXXX XXXX XXXX XXXX has not provided this documentation within the legally required timeframe. 

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to XXXX XXXX XXXX XXXX regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report. 

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : XXXX XXXX XXXX XXXX initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts. 

Harm and Impact : The actions of XXXX XXXX XXXX XXXX have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.

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 2024-08-22 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/scrub>XXXX XXXXXXXX  Date of inquiry XX/XX/year>

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 2024-08-22 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and 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 2024-08-22 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: CA

Complaint narrative:
Subject : Complaint Against Midland Credit Management Inc. for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against Midland Credit Management XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Midland Credit Management Inc. 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : Midland Credit Management Inc. has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, Midland Credit Management Inc. has not provided this documentation within the legally required timeframe.

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to Midland Credit Management Inc. regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report.

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : Midland Credit Management Inc. initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts.

Harm and Impact : The actions of Midland Credit Management Inc. have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: AL

Complaint narrative:
XXXX is a fraudulent account. I asked the debt collector and the credit reporting agency on XXXX of XXXX  to provide a purchase agreement for the accounts, and they could not provide the information.

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 2024-08-22 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: KY

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: KY

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/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 2024-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX owes me for freezing my bank account for XXXX. During the pandemic. I've sent documents receipts letters etc. At a timely manner but they gave me Nothing in response

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has been sent the CFPB deletion of file document for XXXX XXXX and has ignored ignored it for the 3rd time now. This comes after a full 14 months of disputes they refused to run at FCRA standards. Even when provided with documentation and verbally told over the phone to accurately read documents they have refused to resolve issue. They stated they folllow their own rules which are not the same as FCRA. This is a Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) as they are intentionally reporting an inaccuracy on my report knowing full well the information is not correct. Experian has been email the documents which where signed as received, called over the phone, wnd digitally sent all files. They have still refused to correct issues. Due to Experians negligence I have been unable to progress further in my career as they keep opening disputes that last 30 days and not investigating issues with any urgency or care. When spoken to on the phone there was a level of disrespect I was treated with when asked why the documents Ive sent have not been looked at accurately as they clearly state my personal information and that the file was removed. Experian has maliciously ruined my credit by refusing to investigate at FCRA standards and ignoring any information sent to them and this has been a recurring issues as they have been told on many previous disputes to investigate correctly

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 2024-08-22 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: MD

Complaint narrative:
I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 2 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.

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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called Chase United Business credit card to ask if global entry {$100.00} Credit is a card benefit. They informed me yes and I went ahead and use the card for XXXX XXXX in XX/XX/year>. 

In XXXX I did not see credit so I called and the agent opened a case and confirmed me that XXXX XXXX XXXX is a benefit and it will be credited. 

In XX/XX/XXXX. XXXX  I got a letter saying " Your card does include the benefit of a statement credit '' but when I call, the agent tells there is no benefit. 

This is misleading and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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. My name is XXXX XXXX and 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