vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ) listed IMMEDIATELY.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-09-18 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX 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 2024-09-18 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 XXXX 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 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: IL

Complaint narrative:
The company Kimball, Tyree and Saint John are claiming that I owe unpaid rent to a company called XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  concerning an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX. Unfortunately I've contacted the debt collection agency, Kimball Tyree, and Saint John, numerous times to discuss this and inform them that this alleged unpaid rent had been paid through a covid-19 hardship rent relief program. I am also forwarding this information as well, to the attorney general, and they can look through the databases and confirm that this debt has in fact, been paid. So the debt collection agency is attempting to collect a debt twice, which is fraud. So, I am going to also report this to the authorities as well as a fraudulent misrepresentation, and assertion of invalid debt. As a result of this, there will also potentially be legal action that I take since the debt collection agency is refusing to abide by my request that first of all, this debt is disputed, therefore, is not something that should be represented on my credit report and also that their failure to communicate with me is also an act and omission in their duties as debtors under the Fair Credit Reporting Act and other respective legislation set in place to help consumers. 

Open Kimball XXXX XXXX XXXX to me 17 minutes agoDetails Account Information Address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Date Updated XX/XX/XXXX High Balance {$20000.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Past Due {$20000.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

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 XXXX 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against TransUnion regarding my recent experiences with their customer service and the handling of my credit report.

I received an email from TransUnion expressing a desire to discuss my situation, but I have found that contacting them has been largely unproductive. I have spent an excessive amount of time on holdup to 30 minutes to 1houronly to receive little to no resolution regarding a negative remark on my consumer report.

Despite my efforts to point out negative remarks that are affecting me financially, there has been no change in my report. Specifically, I have requested the removal of negative remarks and for certain accounts to be marked as " paid and closed '' or even deleted from my report. I believe that such updates should not take 30 days that TransUnion indicates, especially when the errors are clear.

I would appreciate your assistance in resolving this matter and ensuring that TransUnion adheres to fair practices in credit reporting.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-18 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: KS

Complaint narrative:
Midland Credit Management sent me a packet of papers saying I owe them almost {$1300.00}. I sent a dispute in response asking them for debt validation and a complete history of transactions ( including payments ) showing how the amount was accrued. The responded to my dispute with an exact copy of the what they sent the first time, which was one statement, no contract with the full account number, nor transaction history. The account number provided was redacted and incomplete. I responded to them to advise that the documents received did not contain what I had requested. There has been no other response. I did dispute the remark on my credit in XXXX in which I received notification on XX/XX/XXXX that there was no change in the debt. A few months they are attempting to sue me with three business days notice on XX/XX/XXXX. Notice received XX/XX/XXXX ( XX/XX/XXXX via door hanger on my door. The officer did ring the doorbell but I was at work in a call and was not able to respond. I later found the notice when I got off work that evening and went to get groceries, I found the notice on my front door. ) I called in sick the next day XX/XX/XXXX so I could call the sheriff and make arrangements for another delivery as per the door hanger received and to make sure I was available and didnt miss them again. I called the sheriff and they said they would come by. I called them at XXXX as the whole day had gone by and still no one came, I get off work at XXXX, it appears I respectfully took the day off for nothing. They finally came at XXXX on XX/XX/XXXX. This was three business days notice for court on XX/XX/XXXX @ XXXX which is unreasonable. This was not enough time for me to prepare myself nor request XXXX per company policy so I called in sick to use sick time to cover for my absence financially and politically due to such short notice. Midland failed to report the debt as disputed, ( since I personally disputed them via postal mail ) when they reported it to my credit, nowhere did I agree to any debt after they sent me two copies of the exact same paperwork. We have not had any phone conversations either. They should have stopped their collection efforts since they know I havent signed any contracts with them and they are not able to furnish transaction history of an account that never existed with them, but they still reported it to my credit and is in process of suing me. All of this has been a major inconvenience and calling in to work twice within one week without approval can cause an accrual of negative points at work. I lost my second job unexpectedly as the company closed down and so my Dayjob is very important to the wellbeing of my children including my son with XXXX. Midland is not acting in good faith nor have they respected my rights as a consumer to furnish the debt validation I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is concerning complaint ID XXXX XXXX. 
Citibank was suppose investigate this matter further & it would take 30 days & I would received a response by mail. I received a telephone call yesterday XX/XX/year>2024 from Citibank fraud department telling me that my claim is still being denied. They feel because I was on Citibank app that the scammers got my account information. I told them they were sent police report & I was manipulated & scammed in to making a domestic wire transfer to perpetrater account without my consent, knowledge & authority. I told them money in a bank should be insured. I also said this should have raised red flags with Citibank staff & this transaction should have been questioned by them. Citibank fraud department cant seem to give me an answer as to why no questions were raised about this transaction. 
It looks like this case may have to be settled in civil court. I would appreciate if you could refer me to a lawyer that handles these types of cases.

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 2024-09-18 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-18 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: CA

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
violation of us 15 code 1681, 15 us code 1681e ( b ), Under 15 U.S.C. 1681i of the FCRA ( did not reinvestigate thoroughly )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
violation of us 15 code 1681, 15 us code 1681e ( b ), Under 15 U.S.C. 1681i of the FCRA ( did not reinvestigate thoroughly )

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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 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 2024-09-18 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: CA

Complaint narrative:
XXXX is reporting information on my credit reports also has another company the operated with sister company to report information thats not accurate I keep getting denied because XXXX is reporting accounts thats is do from identity theft I sent police reports and ftc report copy of my id gas bills to show proof of my identity but for some reason XXXX remove the debt than added it back on saying the companies sent them a police reports to add it back on I ask to get a copy of what ever they had to prove the debt was validated I was than told to contact the actual company which I did and get no where they refuse to speak with me and also I think they running crime organization by selling debt and keeping it on a some type of payment but each time they denied me I was denied credit and could be losing my home do to the poor action they refused to investigate the matter. please help me XXXX keep saying the accounts was remove but they are not I showed on my cfpb accounts they removed the accounts but on my credit report they did not I also will showed that the agents is operating my personal information telling me I cant dispute because I need a new reason to do so.denied me a complete accurate credit report. my point went from XXXX to XXXX there something wrong they also reporting on different account which is not accurate on XXXX and XXXX XXXX is diffrent and on scoresenses is not reporting the same diffrent date inquiry and my addresses I dont give XXXX permission to sell or give my information to any one I also know they reporting transaction date in giving personal information my credit report without my permission I dont think its fair for any comapines to give out personal information putting me in danger to be hack hurt or stalk I wish to get help with this matter. accounts is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX dpt educations XXXX XXXX I also gave police reports and ftc reports so they can remove the accounts.

Company response to consumer: Closed with explanation