vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked Transunion, XXXX and XXXX to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all three credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX  credit inquires on my report that i did not authorize or express permission to share my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove that following statements off my XXXX report. I have asked you guys over XXXX days ago to remove this and it is still showing. PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

The only name that should be showing on my report is XXXX XXXX XXXX. Please remove other names. 

Please remove this statement from XXXX XXXX- I HAVE NOT GOT A XXXX FORM I THIS IS INACURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: WA

Complaint narrative:
On XX/XX/2023, I was informed by the XXXX Credit bureau that I have two past due balances with XXXX XXXX in the amount of {$5300.00} and {$5800.00}. I spoke with the apartment complex on XX/XX/2023 and i explained that i had not received any noticed. They mentioned I should contact Pro-Collect since it was already in collections. I contacted Pro-Collect, Inc. on XX/XX/2023 and spoke with XXXX XXXX to request additional details about the alleged debt since I received no official notification prior to XX/XX/2023 with XXXX XXXX or Pro Collect inc. I was informed of a balance of {$5300.00} on my account. I asked if that was the only balance I owed and XXXX XXXX verified that it was. I was informed that I needed to pay that debt by the end of the day or make 3 monthly payments of approximately {$1800.00}. XXXX XXXX stated he spoke to his supervisor about getting a settlement of {$3500.00} but I would need to pay it by Wednesday XX/XX/2023. I requested time to reach out to my bank in order to secure a loan to cover the alleged debt. XXXX XXXX informed me that I had to leave a card on file for the time being while coordinating with my bank. Unfortunately, I was unable to secure payment for the settlement amount and called XXXX XXXX on XX/XX/2023 at approximately XXXX pacific standard time to request that my card be removed. XXXX XXXX stated he was unable to remove my card on file due to it being late in the day and the payment was set to be auto-drafted on XX/XX/2023. I informed XXXX XXXX that I was never sent an official notification of the allege debt and formally requested that he send me one via secure email or certified mail. XXXX XXXX stated that he would not be sending me official documentation and when I requested to speak to his supervisor or manager, he refused. During this verbal interaction with XXXX XXXX, he hung up on me on three separate occasions and placed me on hold twice while I was talking. In my opinion XXXX XXXX actions were unprofessional and has hindered me from receiving legal notice of an allege debt. Furthermore I feel that XXXX XXXX was being deceptive by carrying out unfair trading practices as I was not made aware of my rights nor the amount owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My tax return was deposited on credit karma card and card was sent I never received it I finally seen on app that my card was stolen and money being spent so I contacted credit karma told lock my account been stolen they continued to allow the activity till money was gone then I had to dispute transactions they gave XXXX credit back from their investigation out of XXXX still can't get them to give my money back I contact them they say they will email me never happens I been waiting XXXX and still no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX / XXXX / XXXX / - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX / Amount - {$400.00} / XXXX XXXX XXXX  - Date - XXXX / Amount - {$630.00} XXXX XXXX XXXX XXXX XXXX / Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date XXXX / Amount - {$720.00}. Illegal posting of owner / consumer credit reporting of alleged debt ( s ), hard inquiries on companies credit monitoring services / site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I have received this notification twice this year, the first time I won the case, thus case was close successfully. Some months later, I have received the same collection agency again, alleging the same, and I have said the same, I dont own this debt, is not my account, I think is a identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On my credit report there are two different names reflecting on my credit report that arent mine or aliases of mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. 

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. 

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. 

the debt that is on my credit report does not have a signature associated with this debt as well. 

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and experian still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

experian and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. 

these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

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
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a copy of my credit report from XXXX on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX XXXX XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX  - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was charged {$14.00} by Experian yesterday ( XX/XX/2023 ) and I never signed up for any service from them. I didn't notice the charge until today ( XX/XX/2023 ) and tried calling but apparently they are closed as it's Sunday. When I tried logging into Experian with my email it says my password is incorrect and when selecting the change password link, the phone number it was said it would send the call or text doesn't match mine. It shows just the last 2 digits for security reasons and those 2 numbers don't match my number but when asking security questions regarding my identity, it had my real number matched to my name and social. So I can't access my account and report anything because I can't login and I can't change the password or have the option of using any other information to confirm my identity. I don't know what else to do until they open tomorrow but I feel this is a significant issue because this is my credit and I already have a credit freeze and alert due to an issue I reported 2 months back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Experian continue to share my personal information with a 3rd party collection agency call XXXX XXXX since 2021 and everytime I use this site to make a complaint experian retaliate by inputting incorrect information on my credit report. I have screenshots of experian deleting inquiries of XXXX XXXX  whom I never gave permission to look at my account. Experian also listed 4 of ny accounts as potentially negative in retaliation of me reporting them. They deleted my social and took information from a mortgage lender by listing my child as my spouse. They are purposely interfering with the process of a potential mortgage lender by disclosing inaccurate information and at times locking credit profile from lender. This is being done simultaneously on a day to day basis for almost two weeks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As has been previously documented with this company on a monthly basis since XXXX XXXX  XXXX, I opened a " Chase Plan '' for 18 monthly payments - no interest - no fee- as confirmed in writing by them on XX/XX/XXXX. 

This no interest plan should end XX/XX/XXXX. 

Despite this they have charged me incorrect interest fees- most recently {$34.00} on XX/XX/XXXX and {$35.00} on XX/XX/XXXX. Total of {$70.00} I have paid for all my new purchases in full. I have even apparently prepaid the purchase amount in the chase plan in full early. I have sent corresponding documentation every single month. I have called the customer service line and spoken with a representative who indicates that I have no 18 month chase plan.

It makes absolutely no sense that any finance charge should have been applied to this bill in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters XX/XX/2023, to the credit bureaus asking them to validate an account on my consumer report. And they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the consumer reports even after they did the thorough research. 

The status updates are inaccurate, the Balances are inaccurate ect. 

Account : XXXX XXXX XXXX # XXXX In accordance with the Fair Credit reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my right.

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. 

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. 

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. 

the debt that is on my credit report does not have a signature associated with this debt as well. 

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and XXXX still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

XXXX and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. 

these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.

Company response to consumer: Closed with explanation