vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-07 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Several listed accounts have reporting errors, including inaccurate amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I can plan it again XXXX like a players against the fraud that is committed against me the refusal to accept my tender and my negotiable instrument which is a crime. They claim that I signed something under the cardholder agreement which I did not so I am asking you not only to do your investigation again I'm asking you just show me the steps that you took to provide that investigation. Under 15 USC 1681i I am demanding that you prove to me where I signed any agreement I also want answers to my questions 15 USC 6802 XXXX I did not sign anything on my behalf regarding your company so no you can not share my information which is a violation and I will be filing a federal lawsuit against you but I want answers here I expect answers here and your failure to do so it's just going to make you look worse in court or arbitration is a you can't prove to me that you let me credit because it's against the law to learn credit the fraud that you've been doing is just despicable. My main question is for you also to show me the steps on how and where you actually let me credit when the law says you can not lend credit where did this credit come from it came from me and you lied to me about that that is false and to set the practice and under 15 USC 1681n will compliance and 15 USC1611. I want proof with in 15 days that I signed anything from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # 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 2024-06-07 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-07 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # 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 2024-06-07 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account number ( XXXX ) Debt {$590.00} Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. 

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. 

Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I did not authorize these accounts. This issue has been previously addressed, and I urgently request the removal of these accounts from my report. Their presence is causing significant stress, misrepresenting my true credit history and financial management. If not rectified promptly, I am prepared to seek legal recourse to safeguard my rights and seek resolution. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and supporting my family. I trust this matter will be resolved expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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 XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-06-07 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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : 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 2024-06-07 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: AL

Complaint narrative:
I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely affecting both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-07 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:
Filed lawsuit against them for their failure to comply with FCRA requirements especially refusing to comply with FCRA 605B which proper documentation was provided to them by my attorney. 

Failure to comply with FCRA requirements has resulted in the loss of XXXX XXXX and loss of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have also contributed to the lack of XXXX not being made eligible for any credit products being that they were more concerned about their financial relationship with the bank ( trade lines ) than their compliance with the federal law. 

Refusing to suppress the XXXX XXXX XXXX XXXX XXXX and Refusing to Remove the XXXX plus fraudulent inquiries reported by their credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: OH

Complaint narrative:
In accordance with the Fair Act Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 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 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 
Has violated my rights 15 U.S.C 1681 section 602A states, have rights to privacy.

15 U.S.C 1681 Section 604A 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 pf crimes which antedates the report by more than seven years, 15 U.S.C 1681s 2 ( A ) ( 2 ) 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 2024-06-07 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: NC

Complaint narrative:
XXXX has reported for several years that I have a credit card with them. I do not. In fact I have never even heard of XXXX in any capacity other than this erroneous report on my credit history. 

I have disputed this account several times over the years and have never received a response about my disputes from any of the bureaus. 

Recently I contacted XXXX and offered to pay the disputed amount on the condition that they would contact the credit bureaus and correct my history by acknowledging that the account is not mine and that I never owed them anything. While they didn't explicitly refuse, they did refuse to discuss the matter with me and disconnected the call.

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 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Trying to apply for financing, but denied due bogus reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-07 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: OH

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
I entered into a contract with a merchant, XXXX, and a financing company, Universal Account Servicing ( UAS ) on XX/XX/XXXX. I purchased {$8100.00} worth of XXXX services, which were financed by UAS under a promotional rate of XXXX months with XXXX interest, provided I made the appropriate payment each month. I made the payments each month, on time, for the duration of his contract, and I have continued up to this day. 

In XX/XX/XXXX, after providing services for XXXX sessions, XXXX refused to continue to provide the contracted services that were promsed upon sale. From XX/XX/XXXX to XX/XX/XXXX, I continued to pay UAS, even though XXXX failed to render contracted services. In XX/XX/XXXX, I subsequently contacted XXXX and eventually the bank to put the issue in dispute until it was resolved in later that same month. Specifically, XXXX settled and refunded me {$4000.00}, almost the entirety of my remaining balance, which was {$4900.00}. This should have left a balance of just {$920.00} XXXX, which I was prepared to pay in full to close the account. 

However, before XXXX settled, I had contacted his bank, XXXX XXXX, who recommended he dispute the UAS charges until the dispute is resolved. When XXXX contacted UAS, UASwithout any investigation or communication with XXXX about the nature of the disputeimmediately returned {$1000.00} of my payments to XXXX, which XXXX then informed me the dispute was resolved in my favor on XX/XX/XXXX. UAS then immediately added {$1400.00} in interest penalties to my account, claiming it was I who now voided his promotion period because I had not paid my payments in time, and they fully backdated interest as if no payments have been made. This is a clear abuse on the part of UAS and they settled the dispute in my favor simply to abuse the credit system, knowing that if they sell the debt to collections my credit will be ruined. 

I was pleased that XXXX finally made an offer to make me whole after breaching the contract, and I wanted to pay UAS the disputed payments back as well as the remaining {$1000.00} on the account, to close out the balance completely. I reasonably assumed that now that the dispute was resolved, UAS would remove the interest charged and let me simply close the account. I contacted UAS to make this offer by phone at least 5 times, and on XXXX of those occasions I asked to speak to a manager, and he told I would be called back ( he never was ), I was refused, taunted, and demeaned. UAS employees insinuated he does not understand interest and did not read the contract. I did read the contract, but UAS has engaged in foul play in order to obtain illegal interest payments. Other customers have similar complaints about this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc ( Searching UAS payment scam XXXX yields many results ).

Company response to consumer: Closed with explanation