vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I received a debt collection alert on my credit report for an alleged debt of {$160.00} placed on my credit report by a company called XXXX XXXX XXXX. I have no knowledge of this debt and I have never received any notice of this debt or any chant to dispute the debt which is a violation of my FCRA rights. I have no knowledge of this debt and there isn't even an account number for the debt for me to call and ask for information about it. This debt is not mine and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 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 2023-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
I HAVE NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION 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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my XXXX XXXX went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX  times from different representatives over XXXX months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.

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 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received XXXX card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
I only owned XXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX  card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX  times and must had called them XXXX  times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX  months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX - XXXXXXXX XXXX XXXXXXXX 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 this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
CKS Prime Investments LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from CKS Prime Investments LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$540.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

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 2023-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a identity FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I also received a summons for this debt to the local court house with documents that were heavily redacted attached to include the loan amounts, account number, and even the signature line redacted so that I couldn't see if it was even a real debt. I couldn't even call to ask about the debt because there account numbers are redacted. There is no wet signature or any verification of this alleged debt. I have never received a validation of this debt or any notice of debt from Midland Credit Management nor have I ever heard of this debt collection company. I have never been provided any change to dispute these two alleged debts due in the amount of {$730.00} and {$490.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I disputed the I.C Systems as they continued to report and have for years. I am educating myself on consumer laws and have discovered many violations. I wrote I.C systems asking for a Debt Validation Letter they responded they could not provide me any information they could verify and they would not be reporting any further on my reports. I.C. systems is still being reporting on my report and being updated regularly. I have the letter I can provide for proof. 
Thank You for your time, 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 2023-05-16 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: CA

Complaint narrative:
On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with Experian, XXXX, and XXXX and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over XXXX days prior. That is a direct violation of 15 USC 1681.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring Oaks Capital LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Spring Oaks Capital LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$920.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : 1XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I CONTACTED LEXISNEXIS OVER A MONTH AGO BECAUSE I ORDERD A COPY OF MY CONSUMER REPORT AND NOTICED IT WAS OVER 20 ADDRESSES ON THE REPORT THAT I NEVER HURD OF AND NEVER LIVED OR BEEN TOO SO I STARTED A DISPUTE AND THEY LEFT THE ADDRESSES ON THE REPORT SAYING IS VERIFED WHICH IS A LIE ONE OF THE ADDRESSES I LOOKED UP WAS A XXXX XXXX THATS HOW I KNOW THEY NEVER DID THEY JOB TO INVESTGATE OR DELETE THEY ALSO HAVE 5 INSURANCE COMPANIES ON MY CONSUMER REPORT ONE OF THE COMPANIES HAD ANOTHER PERSON NAME ON IT NOT EVEN MINE AND THEY SAID ITS VERIFED AND MINE WHICH SHOWS ME THEY NEVER LOOKED INTO IT I CALLED THE SAME COMPANY AND THEY SAID MY NAME NOT ON THE POLICY AND WAS NEVER ON IT THEY DONT UNDERSTAND WHY LEXIS NEXIS IS REPORTING THIS INFORMATION THE OTHER COMAPINES I CALLED THEY DONT HAVE MY LICENSE ON FILE OR MY SIGNATURE OR ANY INFORMATION TO CONFIRM I WAS THE PERSON TO APPLY OR OPEN UP THESE POLICYS, LEXIS NEXIS IS NOT DOING ANYTHING CORRECT ACCORDING TO THE FCRA AND I WILL TAKE THEM TO COURT IF THIS INFORMATION DOES NOT COME OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: OH

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$4200.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/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 2023-05-16 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: NC

Complaint narrative:
I hereby file this CFPB Complaint regarding a fraudulent entry on my credit report, which has surfaced recently. I did not authorize or participate in this entry, and it has significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge this fraudulent account with both the credit reporting agency and the creditor involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, this account remains on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent account resulted from identity theft, and I am deeply concerned about its potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this fraudulent account is expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following account be removed from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00}. The fraudulent account on my credit report comprises a credit account that I did not open, as well as various charges and loans that I neither initiated nor received. Its total amount is significant, and its impact on my credit score has been negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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