vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inclusion of Income Information on Credit Report I am writing to file a formal complaint against Experian for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX Account Number XXXX it has been updated the pay status as charged-off / written off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Experian today XX/XX/2024, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law.

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX Account Number 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my Experian consumer report from a company named XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report and Experian filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint.

Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft.

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents.

I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number XXXX with a balance of USD 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX XXXX, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on XXXX. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

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 2024-07-14 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: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX Equifax, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on XXXX. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX XXXX, and the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on Experian. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

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 2024-07-14 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: NJ

Complaint narrative:
Subject : Dispute of Duplicate Account Information on Credit Report Experian, this account is also in the COLLECTION. On XX/XX/year>, I obtained the result of my reinvestigation inquiry of XX/XX/year>, for the account XXXX XXXX You failed to reinvestigate this account properly, on XX/XX/year>, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. 
I have enclosed copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/year>. 
Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
I am disputing the validity of this debt collection that has appeared. The account in question is related to Eastern Account System for the amount of {$1000.00}. 

To the best of my knowledge, I have never received a bill or validation of this debt from the creditor who is unknown as it is not displayed on the Credit report or the collection agency. I have no known proof of this debt and therefore, I request that this debt is deleted from all 3 credit reports. 

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.

Eastern Account System : 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TN

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a Capital One Credit Card for a value of {$1000.00} credit line. This occurred without my knowledge. I received it in the month oXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: IA

Complaint narrative:
Kingston Data and Credit posted a collection on XX/XX/2024 to my credit report for the amount of XXXX XXXX I did not agree to any contracts with Kingston Data and Credit and claim they are on the behalf of XXXX XXXX. Anytime fitness claimed I owed XXXX which I attached a receipt from them as paid. On behalf of the US Code 162j it is illegal for Kingston Data and Credit to continue to harrass me and negatively affect my credit score with false amounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CA

Complaint narrative:
This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. XXXX XXXX card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active. 
You can see charges I made and payments I made for the last few months. its an open account!

Why do the continue to report it as CLOSED. makes no sense. its not that hard.

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 2024-07-14 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: CA

Complaint narrative:
This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. XXXX XXXX card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active.

You can see charges I made and payments I made for the last few months. its an open account!

Why do the continue to report it as CLOSED. makes no sense. its not that hard.

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 2024-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Similar to the other claim I submitted. I did not realize how high the percentage rate was when applying for this loan. I am struggling to pay my bills between this loan and my other loan I am currently paying roughly {$860.00} a month. Im behind on my bills and would like to start saving to buy a house. The percentage rate in interest that I am paying is 159.56 % Im paying {$160.00} each pay and only {$38.00} is going towards paying off the {$1900.00} I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Rim Alliance Corporation
State: CA

Complaint narrative:
I had my identity stolen, and I am not responsible for none of the credit cards are hard inquiries on my credit. I demand them to remove it off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: WA

Complaint narrative:
L **Subject : Complaint and Dispute Against Experian and XXXX XXXX for Unauthorized Furnishing of Consumer Report Data** **To Whom It May Concern : ** I am writing to file a formal complaint against Experian and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b regarding permissible purposes for obtaining consumer reports. 

**Details of the Complaint : ** 1. **Unauthorized Access and Use of Consumer Report Data : ** - XXXX XXXX furnished my private data to Experian without my express written consent. This is a direct violation of 15 U.S. Code 1681b, which mandates permissible purposes for accessing and using consumer report information. Neither Experian nor XXXX XXXX had my express written permission to furnish this data. 

2. **Lack of Due Diligence by XXXX XXXX : ** - XXXX XXXX has failed to demonstrate the detailed steps taken to ensure that my credit report was clear and accurate before furnishing the data to XXXX XXXX 

3. **Fraudulent Activities by XXXX XXXX : ** - XXXX XXXX has committed multiple fraudulent activities, including but not limited to : - Falsifying the validation of debt. 
- Falsely claiming that I signed an agreement with them. 
- Falsifying records of sending my statements in a timely manner. 
- Refusing to accept my tender. 

These actions constitute numerous federal crimes and have caused significant harm and distress. 

**Requested XXXX : ** XXXX. XXXX removal of any data furnished by XXXX XXXX from my consumer report. 
2. A thorough investigation into the unauthorized furnishing of my data. 
3. Appropriate penalties and corrective measures against Experian and XXXX XXXX for these violations. 
4. Written confirmation of the actions taken in response to this complaint. 

I am asserting my rights under the Fair Credit Reporting Act and demand that these violations be addressed promptly. Please consider this communication as formal notice of my intent to enforce my rights under the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland funding LLC Doing Business In Ohio As Midland Funding De LLC has obtained a debt from a XXXX XXXXXXXX bank. The original debt that was placed on my account was for {$1300.00}. The account was deleted from my credit report for being fraudulently opened. I informed Midland that I am not responsible for this debt. I never opened a credit card with XXXX XXXX bank. I was a victim of identity theft in XXXX. They sent a letter dated XX/XX/XXXX stating that I owe {$1600.00}. The letter states that a judgment was obtained against me or certified in XXXX XXXX XXXX on XX/XX/XXXX demanding payment. If I dont respond within 15 days then they will begin to garnish my wages. I spoke with Midland and they would not set up a dispute resolution for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this request due to LVNV Funding erroneous reporting onto my credit report. I have never conducted business with this company by the name of LVNV and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that LVNV provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH LVNV FUNDING Reference Number : XXXX. In addition please provide the contract signed between LVNV AND XXXX XXXX XXXX  ; a notarized and sworn under penalty and perjury for LVNV FUNDING to have the ability to collect this alleged debt. 

Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED

Company response to consumer: Closed with explanation