vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX (Bank) (XXXX) INQUIRY MADEXX/XX/XXXX XXXX (Bank) XXXX INQUIRY MADE   XX/XX/XXXX XXXX XXXX XXXX   XXXX) Account Number: XXXX

INCORRECT Addresses  (EXPERIAN) XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX  (EXPERIAN) INQUIRY MADE  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX need to remove XXXX payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) XXXX showing proof each payments was made on 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 2024-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TN

Complaint narrative:
I received a welcome email from Chime directed to " XXXX '' and another email confirming the direct deposit information, which includes the checking and routing account information fully. I am not XXXX and this is not my banking information, but someone from Chime used my email address and now I have somebody's personal financial account information! What the heck do I do with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CT

Complaint narrative:
The law of permission purpose XXXX XXXX XXXX ( a ) ( XXXX ) In accordance with the written instructions of the consumer reporting agency XXXX furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law XXXX stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from ( XXXX ) XXXX that went to voicemail. The voicemail stated it was concerning an account connected to my social security number. I called the number back and the call was answered as " legal department XXXX XXXX XXXX ''. When I inquired why they contacted me a " XXXX XXXX '' proceeded to ask if I was XXXX XXXX. I confirmed I was and asked why they called me. She stated they were " representing their client for debt owed to XXXX XXXX in a civil suit and would I like to pay the bill owed before it went to court ''. I asked them to send me the information regarding the debt and let them know I owed no debt to XXXX XXXX and have a XXXX balance on my XXXX XXXX credit card account. XXXX XXXX refused to send information to be regarding this alleged account and any money owed. She also refused to provide me with an address for their organization so that I could send a verification letter. I then stated to XXXX XXXX that any reference she may have to an alleged balance owed was from an old account which was paid off in 2003 and that I had reported Portfolio Recovery Associates ( who keeps selling this account ) to the Federal Trade Commission and the Consumer Finacial Protection Bureau for re-aging debt practices in 2014. I advised XXXX XXXX since she was refusing to provide me an address for their business to send a verification request letter that they were to cease and desist calling me. This business called me again on XX/XX/XXXX and a " XXXX '' called me from XXXX saying she was " calling on behalf of attorney XXXX XXXX '' and would I like to pay the debt or be ready to have my wages garnished and my home with XXXX XXXX have a lien put on it ''. I again stated to " XXXX '' that I did not owe a debt to XXXX XXXX and requested verification of information ( which she refused ) and asked for an address of the company to send a request for verification letter. She refused. I again told " XXXX '' to cease and desist calling me. I have received calls and voicemails from this company from ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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:
On XX/XX/XXXX XXXX reported to experian that they were unable to locate me. But I have been in contact with XXXX and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one XXXX has on their file. 

My credit score dropped because XXXX reported they were unable to locate me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice

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 2024-01-07 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: MD

Complaint narrative:
I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation USPS Tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Unsolicited Calls Beginning XX/XX/XXXX - This company has made calls to my personal phone number for the following dates ( without cause, reason, or voicemail ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) On XX/XX/XXXX - my verification letter and request to cease telephone contact for return response via mail only and written validation was confirmed received by the company. 

However, I have not received any letter of validation or written response via mail from the company. Instead, they have violated 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act - continuing to call on the following dates ( record as of XX/XX/XXXX ) : - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) In all eighteen ( 18 ) cases of phone contact since XX/XX/XXXX, there has been XXXX instances of identification from calling entity, or explanation/validation for contact. Under 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act, I clearly provided formal, written notice for the company to discontinue all telephone calls. I requested in return, a response via USPS letter, to provide validation and reasons for contact. At this point they have proceeded to neglect my verification request and attempted to continue contacting me by phone ten ( 10 ) times since the return receipt of my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

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 2024-01-07 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
On XX/XX/2023 I filed a dispute with the credit bureaus TransUnion, XXXX and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, Equifax and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, XXXX and Experian for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.

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 2024-01-07 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice

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 2024-01-07 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on Experian, XXXX, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX  XXXX incorrect opening dates and was removed from XXXX for inconsistent reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never late

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 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: OK

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: AL

Complaint narrative:
There are several inquiries that are unauthorized in my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation