vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: NJ

Complaint narrative:
There is no legal contract or agreement between My all caps Name and This Company, I requested a Validation of this debt but they failed to provide, all I received was a bank statement for the 2nd time. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Last attempt to solve this matter Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential SMALL CLAIMS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XXXX  i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX  i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Purchased XXXX XXXX XXXX XXXX XXXX  from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with Experion and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

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. DEPT. OF HUMAN SERVICES : # XXXXXXXX 15, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s )

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 2023-05-19 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: MD

Complaint narrative:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$940.00}, XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}XXXX XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX Balance : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX  Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXXInquired

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX received my 623 letter request on XX/XX/ via USPS Certified Tracking Number XXXX. 

XXXX XXXX DID NOT respond in the 30 day time frame to my letter, which results in a FCRA violation, which they are continuing to report false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: MD

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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:
TransUnion can not verify the Debt ( XXXX XXXX # XXXX ) yet continues to report it! 
How did they verify this account when I have documentation to prove that this account can not be verified? 
Under the FCRA unverified accounts must be removed! 
I've reached out to the Original Creditors. Calls and email. 
Both companies stated they have no records of the account/ no knowledge of the account. Both companies also sent an email stating no records of the account. I have uploaded documentation I received from both Original Creditors

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Let me premise this complaint by saying Ive have always worked hard at preserving my excellent credit score, and this is the 2nd time in my entire credit history a creditor has intentionally ruined it. 

In XXXX of this year, I received notice from American Express that my credit card would soon expire ; and a new one should arrive shortly. In XXXX, I received my card and put it aside to use for emergency purposes. During the month of XXXX and XXXX, I received a number of promotional offers... including a personal loan. Since I pretty much stopped using credit cards, I wasnt enticed by their offers. 

On XX/XX/XXXX, concerned that my XXXX XXXX was in need of wheel alignment, I had it inspected by a reputable repair shop. Unfortunately, they determined my control arm wheel bearing unit needed replacement. Once the repair was complete I opted to pay using my American Express card. It wasnt until receiving a text message from them I realized the transaction was over my credit limit. Well, I figured an extra payment ( {$100.00} ) towards my balance would resolve it. 

Earlier this week, I received an email/text from a credit monitoring company that my score had dropped from XXXX to XXXX. Dismayed, I called American Express regarding this issue to hopefully resolve it ; or at least receive an explanation as to why the transaction was approved. Again XXXX reiterate my use of credit cards was minimum, and my credit limit had decreased on all of them. After speaking to a representative, who couldnt provide any insight on the approved transaction ; Im hoping by registering my complaint to you, my credit score would be restored. 

It really baffles me, that I can receive promotional/personal loan offers due to my credit worthiness ; yet a {$75.00} over the limit transaction ( which they should have declined ) has placed me at a marginal status. Its also worth mentioning, Ive been an American Express member since XXXX ; and never been late on a payment. My credit history is what Ive worked to achieve and maintain, and I want my XXXX score returned in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}

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 2023-05-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that this information was erroneous. The Equifax credit bureau must validate this unknown item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NY

Complaint narrative:
Despite of my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 2023-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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:
I am a victim of identity theft. I found out that my information was used for several student loans.

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 2023-05-19 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: FL

Complaint narrative:
I am a victim of identity theft. I found out that my information was used for several student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attachedXXXX XXXX XXXX XXXX XXXX. Please update.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm " XXXX XXXX, '' and I am glad if you put some margin to CORRECT a portion of the data in my credit document. As I saw my credit file i am so disappointed that there are still a few records that required to update. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected immediately : XXXX XXXX Balance {$3400.00} ; XXXX XXXX  XXXX XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$410.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX : {$3400.00}. 


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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