vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX   was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Informative LLC
State: IL

Complaint narrative:
I applied for a HELOC on XX/XX/XXXX with the credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) to replace a construction loan I had with them. Within minutes of the XXXX XXXX running a credit check my wife and I were bombarded with unsolicited robocalls and texts trying to sell us mortgage products. 

Here are the number of calls I received : Friday - XXXX Saturday - XXXX Sunday - XXXX Monday - XXXX Tuesday ( as of XXXX CT ) - XXXX and counting I contacted my credit union and they shared that they use " CBC '' ( from XXXX : " CBC , also known as Credit Bureau Connection , is a credit reporting and compliance solutions company. CBC also has a third party partner that credit unions use to pull credit reports used in evaluating mortgages " ) I never consented to CBC to sell my ( and my wife 's ) information to be then sold by CBC to random mortgage brokers to then harass us with scammy mortgage offers. I literally had to turn my phone off on Monday because I was getting a call a minute. CBC should not be able to sell my data like that without my consent ( I am/was in privity with the credit union , not them ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I am interested in deleting the items listed on my credit report Tha has been fraudulent an reported incorrectly. please delete an remove all listed items asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
The company is shady because we tried to make a payment and because my husband asked for documentation as to why the payment was different they refused the payment altogether. XXXX. XXXX reached out to me she wanted me to come take her the payment when I was in the XXXX  .she said she banned my husband from the store and don't worry about the balance because it she would XXXX  it out .now all of a sudden 4 years later they claim I still owe them money and sent it to collections

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 2024-04-16 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: MD

Complaint narrative:
I have disputed this debt several times. The debt does not belong to me. I have been a victim of identity thief and has sent in all required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MI

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 XXXX : XXXX XXXX Account XXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
I checked my credit report and I noticed an error in the payment status with one of my accounts. I was never late on this account. The payment history shows that I paid this account on time.

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 2024-04-16 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: RAS LaVrar, LLC
State: FL

Complaint narrative:
Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX  was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 non-monetary relief
Consumer complaint received 2024-04-16 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: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 
I have sent in multiple permissible purpose letters and Metro 2 compliant letters asking to delete this account due to the numerous inaccuracies, however these Bureau 's keep stating that the account has been verified and reporting accurately which is false. This is grounds for removal and deletion.

They also violated my rights under 15 U.S.C 1681 section 602 A ; which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; states that a consumer reporting agency can not furnish a account without my written consent.

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 2024-04-16 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: NC

Complaint narrative:
XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. 

-Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

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 NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX has violated my rights XXXX Or a 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 2024-04-16 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:
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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights XXXX Or a 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 info
rmation, 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 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I disputed the incorrect personal information with the 3 consumer reporting agencies Equifax, XXXX, XXXX XXXX in XX/XX/2024. They are reporting incorrect names, addresses and employment. I am requesting my information reports correctly on my consumer reports with one name address and no employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-16 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: KY

Complaint narrative:
I have contacted XXXX and Experian by mail on XXXX separate occasions about correcting my personal information. I have sent in multiple copies of my identification card and my mortgage statement showing the correct name and address. They are refusing to update this information which is linked to multiple negative accounts that DO NOT belong to me! This is damaging my credit report as I have not been able to apply for anything in the past 2 years.

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 2024-04-16 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: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
Midland Credit Management calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and Midland tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.

Company response to consumer: Closed with non-monetary relief