vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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:
on XXXX, i sent a complaint to XXXX, equifax, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
on XXXX, i sent a complaint to XXXX, XXXX, and experian informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting 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 2024-05-01 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: GA

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 2024-05-01 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On or around XX/XX/2018, Someone opened a XXXX XXXXXXXX XXXX XXXX XXXX in my name. I did not authorize this account, and I did not benefit from this account. 

Someone opened a XXXX account in my name on or around XX/XX/2018. I did not authorize this account, and I did not benefit from it. 

I have demanded debt validation on these two accounts. XXXX has not legally validated the debt on these two accounts. These accounts were open fraudulently using my stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
I am writing to formally dispute the validity of the debt that of IQ DATA INTERNATIONAL agency is attempting to collect, of {$44000.00} on XX/XX/XXXX. I want to as well as to assert my rights under the Fair Debt Collection Practices Act, specifically under 15 USC 1692g Sec. 809 ( a ) and ( b ). Upon review of the information provided, I affirm that this debt is not mine and has been paid in full. I have no outstanding obligations to the creditor in question. 

Furthermore, I must emphasize that this agency has failed to provide verification of the debt as required by law. According to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
Transunion needs to be looked into, I requested the block under 605 ( B ) of the fair credit reporting act. Transunion, denies the request claiming I didn't submit a valid copy of my identification documents, or the FTC report isn't valid, etc. Giving a different reason every time I request that the fraud account be taken down. That is a false statement from Transunion. I have provided a two forms of Identification, a valid identity verification document, a valid FTC report made on the identity theft.gov website, and listed the name and account numbers as request by Transunion, and a cover letter. This agency does not maintain proper procedures to make sure that fraudulent information doesn't slip by them and getting reported on peoples credit report. Their agency have abusive practices by telling people to send in the disputes with the following information and then, telling people that their information is invalid in order to avoid having to due a proper investigation. Please look into this company CFPB. If my disputes continued to be ignored, I will have no choice but to write to the office of the deputy director of the cfpb XXXX XXXX, and foward this complaint along with a civil complaint to the transunion headquarters to address to XXXX XXXX CEO. You have been provided with that you need and this complaint will serve as proof! Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a federally protected, consumer. I am making this complaint against MIDLAND CREDIT MANAGEMENT MCM out of XXXX XXXX, California. I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party ( MIDLAND CREDIT MANAGEMENT MCM ) to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT to use or to be in possesion of any of my identifying information. This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harrasing me via phone calls. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. I have sent them a notice to CEASE AND DESIST ALL contact pertaining to me XXXX XXXX. THIS is a 2nd NOTICED TO CEASE AND DESIST ALL COMMUNICATIONS PERTAINING TO ME XXXX, XXXX, WHICH INCLUDES FALSE CREDIT REPORTING! 
By MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR in WHICH THEY DO NOT HAVE. MY NON PUBLIC PERSONAL INFORMATION WAS SOLD TO THIS COMPANY WHOM I DID NOT CONTRACT WITH. 
THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Section 807 ( 15 USC 1692e ) which states that no deceptive or misleading practices, nothing unfair from a debt collector is to be done. 
NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY I BE AWAREDED { {$1000.00} } PER VIOLATION FROM MIDLAND CREDIT MANAGEMENT.. MIDLAND CREDIT MANAGEMENT IS FALSELY REPORTING TO MY CREDIT REPORT CAUSING ME PROBLEMS FOR HOUSING. 

I AM A VETERAN AND I DEMAND UNDER THE FDCPA THAT YOU MIDLAND CREDIT MANAGEMENT CEASE AND DESIST ALL ACTIVITIES WITH MY TRUST ACCOUNT XXXX XXXX AND SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING { {$5000.00} }, TO MY HOME ADDRESS XXXX XXXX XXXX XXXX MI XXXX. 
OR I WILL HAVE A CIVIL SUIT FILED AGAINST YOUR COMPANY FOR FRAUD. 
I DEMAND THE CFPB FINE MIDLAND CREDIT MANAGEMENT FOR ILLEGALLY COMMITTING FRAUD IN MY TRUST ACCOUNT AND HARASSING ME. 

AND IT IS SO UNDER GOD! 

THANK YOU IN ADVANCE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
Consumer Complaint Regarding XXXX XXXX XXXX  XXXX Investigation - Report Number XXXX I am writing to file a formal complaint regarding the investigation conducted by XXXX XXXX XXXX XXXX, pertaining to dispute report number XXXX, concerning the tradeline from XXXX XXXX XXXX 

On XXXX XXXX, I received the results of the investigation conducted by XXXX XXXX XXXX XXXX regarding the accuracy of information contained within my credit report. The investigation was in response to my dispute regarding the accuracy of the balance reported on the tradeline from XXXX XXXX XXXX, account number XXXX, with a reported balance of {$1200.00} Upon review of the investigation results, it has come to my attention that the balance being reported to the consumer report is not accurate and does not align with the true balance owed on the tradeline. Attached herewith is the monthly statement between XXXX XXXX XXXX and myself, which clearly indicates a different and accurate balance owed. 

It is imperative that the information reported by XXXX XXXX XXXX XXXX accurately reflects my financial obligations. The inaccuracies in reporting have the potential to adversely affect my creditworthiness and financial standing, which is a direct violation of my federal consumer rights under the Privacy Act of 1974, 15 USC 1681b Permissible Purpose, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I kindly request that the reported balance on the tradeline from XXXX XXXX XXXX, account number XXXX, be accurately corrected to reflect the true balance owed as per the attached documentation. Failure to do so will leave me no choice but to pursue legal action to rectify this matter and to ensure my rights are protected. 

Enclosed is my XXXX XXXX XXXX statement and XXXX XXXX REPORT RESULTS. PLEASE REFER TO PG.6

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
IQ data international Inc. Is trying to collect a debt for an apartment that I have never lived at or have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION

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 2024-05-01 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: NC

Complaint narrative:
I took out a at Americash on XX/XX/XXXX {$600.00} to be exact. I made my first payment and they applied a {$25.00} payment on my account just because I placed a stop payment on my account. A customer can do what they want to, they didn't know if I was changing my bank account to another or anything. All because i initiated a stop ACH payment. I missed a payment in XXXX because I had an emergency come up with owing back taxes. So they had placed a payment of {$280.00} note that was 2 payments. I called and they said they charge fees daily, however I kept paying my monthly payments. I am reading where I made a complaint to CFPB and i see the lies of what they tell them versus what they have told me. I called spoke to a Rep and she says when you late we charge a {$100.00} a week fee. Who does this. This is when I started to investigate on my own and read numerous of reviews and complaints about their services and the outrageous fees they charge and customers see no way out but to file BK or make various complaints. Reading the results sent back from CFPB after filing a complaint telling them a Rep called and said after you make your final payment in XX/XX/XXXX you will be charged another {$1000.00}, because you still accruing interest on your late charge. When I called spoke to another Rep she indicated " oh you good. '' " I don't know why she called you. '' I didn't go for that shady XXXX. I made the complaint. They told CFPB my last payment would be in XXXX which indicated that until XX/XX/XXXX. I received a text message that says important information about your loan. After logging in I was furious they got me owing another {$130.00} until XX/XX/XXXX. I called another Rep says yes the interest accrues daily on your past due balance which is now {$150.00} you until XXXX then you will accrue interest again making it another 6 months of payment. making it a total of {$2300.00} on a {$600.00} dollar loan. Man I CAN'T no way. Im XXXX with XXXX XXXX galloping to the point I'm missing work due to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Which I know they don't care. I did inform the Rep that in the State of NC you are prohibited to charge that kind of interest rate. He stated well you cross the state line didn't you. " oh but you know it all, and he said have a good day and hung up. I sent this report to the Attorney General, Rip off and sending it to ACTION 9 because they think CFPB is a joke just like the XXXX is. Read the reviews where customers made complaints and XXXX does not enforce these longsharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX ( Finance ) XXXX  XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MN

Complaint narrative:
my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX  XXXX ( Finance ) XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank 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 2024-05-01 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: 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 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