vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the actions of midland credit management., as they are in violation of my rights under the following laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681 -s 2 ( 7 ) ( a ).

I have recently discovered that there is an item on my credit report that has been reported by your company, Midland credit management. This item is inaccurate and is causing harm to my credit score. The laws and regulations listed above clearly state that inaccurate information must be removed from credit reports in a timely manner.

I am requesting that Midland Credit Management immediately remove this item from my credit report in accordance with the laws and regulations that protect my rights as a consumer. Failure to do so may result in legal action being taken against your company.

I am attaching copies of the relevant laws and regulations for your reference. Please respond to this dispute in writing within 30 days to confirm that the inaccurate item has been removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the item has been removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX IN XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00}

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 2024-04-30 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: NC

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00}

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 2024-04-30 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: AZ

Complaint narrative:
Early 2020, I was affected by XXXX XXXX Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
XXXX to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the XXXX major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The XXXX outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Early 2020, I was affected by XXXX XXXX Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
XXXX to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the XXXX major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The XXXX outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I received an unsigned letter from Professional Credit Services, XXXX XXXX XXXX XXXX, OR XXXX. The letter stated that the company was collecting a debt owed to XXXX XXXX in the amount of {$83.00}. 
I sent them a letter disputing the claim. 
They sent another unsigned letter, without any of the information that I requested, and said I owed the same amount. This letter threatened to add interest. 
I called and negotiated for a settlement of the alleged debt. We agreed upon a final payment of {$58.00}. I sent check # XXXX for {$58.00} on XX/XX/year>. I wrote : Negotiated Final Payment on the memo line of the check. The check was stamped and deposited to the account of XXXX XXXX XXXX at XXXXXXXX XXXX on XX/XX/year>. 
I received an unsigned letter from Professional Credit Services on XX/XX/year> stating that I owe {$25.00} for principal, interest, and penalty fees. This is why I am contacting you for help in this matter. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-04-30 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: CA

Complaint narrative:
All old information be deleted and new information be updated

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 2024-04-30 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and 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 2024-04-30 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Okay XX/XX/year> Equifax Credit bureau remove all my account that was accurate mines from my credit report and my credit score Drop down Tremendously. I have Screen shots of all the accounts that was accurate being my accounts I feel like that a lawsuit am I will be getting me a lawyer if they dont fix this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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 recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief