vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Violations by Midland Credit Management : ** Midland Credit Management has also mishandled an account on my consumer report. They have failed to provide validation information for the collection account as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. Additionally, Midland Credit Management has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-07-17 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: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-07-17 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: TN

Complaint narrative:
XXXX XXXX XXXX IN is reporting on my consumer reports at XXXX, Transunion and XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal 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 explanation
Consumer complaint received 2024-07-17 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: TN

Complaint narrative:
XXXX XXXX XXXX IN is reporting on my consumer reports at XXXX, XXXX and Equifax. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX  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 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have had this Citizens personal loan for several years. I had this loan on auto pay for approximately 3 years now. Late XXXX or early XXXX my purse was stolen with debit and credit cards in it and checkbooks. All these accounts were breached and were frozen and changed to new accounts. This robbery affected my auto payment with Citizens. It was a business account attached and I learned it is a lengthy process to get back the money from the unauthorized transactions. I am having funding problems while waiting on the funds to be investigated and refunded into the bank account. I requested a forbearance of 3 months while I get a hold of my finances. I will need to pull money from retirement accounts because the banks can not tell me definitively when the money will be returned. Citizens refuses to allow a forbearance because I received one in 2019 ( per them ) I was trying to get them to see this is no fault of my own. I could not predict a robbery. I offered the police report and a letter from the detective handling my case because the offender has been identified. They refused the documentation and will not offer any type of temporary relief while I pull down money. I have not and would not be late if this criminal would not have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. FRAUDULENT INQUIRIES : XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX  Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) , XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ). I have attached a copy of my ID and FTC report. ( Please see attachments ).

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 2024-07-17 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I desire to obtain my free annual credit report from all three credit bureaus, XXXX, Equifax and XXXX XXXX respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-17 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
For the last year to XXXX  months, I have been forced to pay on a Loan Modification that was never signed properly or recorded by the servicer. The servicer SOLD/Transferred the Loan to another servicer, and I have tried to get the ratified agreement. The agreement does not exist and the servicer admits they do not have the executed agreement but they are still forcing me to make mortgage payments I can not afford, and they are threatening to foreclose on a modification along with the details of the modification that was never properly signed, notarized, dated or recorded. The previous servicer Rushmore Loan Management Services sent a letter withdrawing the modification, however the new servicer is holding me to a withdrawn agreement. I have paid over XXXX and I am asking for my money back or for them to fix the modification and explain the math, they refuse to do both. Also, the loan was actually discharged in a XXXX XXXX bankruptcy and charged off in 2011 but was somehow sold and now they want me to pay almost XXXX XXXX dollars and they can not explain why. I am at a loss with no place to turn here I feel something is illegal. The servicer has been Rushmore Loan Management Services, Mr Cooper Loans, and Rushmore Servicing. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-07-17 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: TN

Complaint narrative:
MIDLAND FUNDING is reporting on my consumer report at XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-17 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NC

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 2024-07-17 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: NC

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
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv. Funding LLC XX/XX/year> open balance XXXX I sent multiple request for proof of owner ship my lawyer also did and I was treated nasty and not given any information or sent any of the documents I requested so I believe they dont have them And it should be taking off my trans union credit report equivalent report it was removed this account was fraudulently opened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute a series of unauthorized inquiry on my credit report. I recently became a victim of identity theft, and my personal information was used without my consent while I was inXXXX XXXX XXXX XXXX As a result, several unauthorized inquiries were made by car dealerships on dates listed below. Please remote all inquiries. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute a series of unauthorized inquiry on my credit report. I recently became a victim of identity theft, and my personal information was used without my consent while I was incapacitated in the hospital. As a result, several unauthorized inquiries were made by car dealerships on dates listed below. Please remote all inquiries. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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