vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit reporting
Is INTENTIONALLY WITHOUT
ANY LEGITIMATE DISPUTES
AND AT RANDOM LOWERING
MY CREDIT XXXX SCORES BETWEEN 23 TO 40 POINTS
EVERY MONTH BECAUSE I TOLD THEIR CORPORATE HEADQUARTERS TO XXXX XXXX XXXX AND TOLD THE
CEO OFFICE SECRETARY THAT EXPERIAN CREDIT REPORTING AGENCIES ARE
AT RANDOM LOWERING EXPERIAN FICO SCORES FOR
NO APPEARANT REASON WHILE MY XXXX  AND XXXX  FICO SCORES ARE AT XXXX  AND XXXX XXXX SCORES AND LAST WEEK MY EXPERIAN FICO SCORES WERE IN HIGH XXXX
TO LOW XXXX AND EXPERIAN 
DOES THIS BETWEEN XXXX TIMES A YEAR BY AT RANDOM JUST LOWERS INDIVIDUALS EXPERIAN CUSTOMERS XXXX SCORES AND THE CUSTOMERS XXXX
SCORES ARE GOING UP WITH
XXXX  AND XXXX  BY OVER 25 TO 40 POINTS!* WHAT IS AND WHY IS EXPERIAN CREDIT REPORTING AGENCIES DOING THIS AT RANDOM WITH NO LEGITIMATE REASONS OTHER
THEN TRYING TO MANIPULATE AN INDIVIDUALS XXXX SCORES BY
INTENTIONALLY LOWERING MY XXXX  SCORES BY EXPERIAN CREDIT REPORTING AGENCIES SERVICES WHILE MY XXXX SCORES WITH XXXX  AND XXXX  ARE GOING UP
XXXX  AT XXXX  AND XXXX  HIGH XXXX*
*WHY DOES EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATIONS ALLOWED TO
MAKE UP AT RANDOM REASONS FOR LOWERING AN INDIVIDUALS XXXX SCORE FOR NO REASONS AT ALL!!*
*PLEASE INVESTIGATE EXPERIAN CREDIT REPORTING AGENCIES PRACTICES AT ONCE AND PLEASE ON MY BEHALF FILE
CRIMINAL COMPLAINTS AGAINST THEIR STAFF AND CORRUPT CORPORATE EXECUTIVES FOR INTENTIONALLY MANIPULATING MY XXXX SCORES AND FOR FALSELY 
REPORTING MY GOOD FAITH
ON TIME PAYMENTS WITH ALL MY CREDITORS AND CREDIT REPORTING AGENCIES AND PLEASE CHARGE THE CORRUPT EXPERIAN CORPORATE HEADQUARTERS EXECUTIVES 
WITH FEDERAL CRIMES AS
THEY FALSIFYING MY GOOD
CREDIT RATING!*I WANT THE
EXPERIAN CORRUPT CORPORATE EXECUTIVES TO
BE PROSECUTED FOR VIOLATIONS INTENTIONALLY 
VIOLATING MY PRIVACY AND
FORWARDING FALSE NEGATIVE CREDIT REPORTING INFORMATION TO
MY OTHER CREDITORS WITHOUT MY KNOWLEDGE OR CONSENT AND ALSO EXPERIAN CREDIT REPORTING AGENCIES SOLD
MY PERSONAL CREDIT AND
PERSONAL INFORMATION AND GAVE OUT MY SOCIAL SECURITY NUMBER TO AN OVERSEAS EXPERIAN CREDIT REPORTING AGENCIES THAT FALSELY REPORTED MY GOOD
CREDIT CARD PAYMENTS HISTORY!*I WANT EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATE EXECUTIVES PROSECUTED FOR FEDERAL CRIMES AGAINST ME!*
YOURS TRULY,
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

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 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't know any thing else it appeared on my credit report as a collection as Midland. My income is social security and is exempt from debt collectors..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
1. Fictious conveyance of language to constitute a fraud.

2. Wire and mail fraud.

3. Defamation/claim 4. Colluded with the credit bureaus to constitute a fraud.

5. Multiple violations the Fair Credit Reporting Act.

6. Falsification of documents.

7. For this with the claim and the original creditor.

8. Collusion, racketeering, and false name change.

9. Engineered fraud.

10. A plethora of accounts have been closed and re-opened without updating information and no explanation listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NJ

Complaint narrative:
someone stolen my identity to obtain credit, fraudulent open accounts under my name to were open to obtain credit, fraud accounts are XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX XX/XX/XXXX {$980.00}, XXXX XXXX  XX/XX/XXXX {$610.00}, XXXX  XX/XX/XXXX {$6400.00}, XXXX XXXX XXXX XX/XX/XXXX {$540.00} and a XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: IL

Complaint narrative:
I am in receipt of your letter dated XX/XX/XXXX. The following is my response along with the attached Identity Theft Report from the FTC : American Education Services ( AES ) is defined as a debt collector pursuant to 15 USC 1692a ( 6 ) by 1. compiling and designing a deceptive form called a FAFSA and 2. defined under 15 USC 1692a the term debt collector means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is a fact AES is participating in interstate commerce, provided a FAFSA ( free application for federal student aid ) and is participating in the collection of any debt. The form was deceptive and its null and void. I, the consumer have all CFPB records and all mailing evidence providing the alleged debt was never verified. The consumer reporting agencies have removed this alleged account from my consumer file due to not being able to verify it and/or identity theft. FCRA 1681c-2 is the law that governs identity theft. I mailed a notarized Affidavit on XX/XX/XXXX to AES that stipulated failure to Cease and Desist shall be evidence that American Education Services intends to be guilty of the aforementioned crimes and more ( reference the Affidavit ). By failing to meet all of the stipulations required in the Affidavit, AES ' full agreement through tactic acquiescence was and is that there can be no case, collection, or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks, P. 2d 257 260. There shall be no reporting or any attempts to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion illegally refuses to allow people to submit disputes by fraudulently conspiring to say they are sending an authentication email but never actually sending that email. This is a twisted conspiracy to willfully break federal law.

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 2022-03-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that 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 non-monetary relief
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX of 2016 I gave my apartment complex a 30 day notice in persona nd filled my paperwork out. I moved out and they claimed I never gave them notice and put a {$900.00} collection on my credit report which I eventually did pay as I want to protect my credit score. Six years later is still costing me crucial points to get the best pricing and rates as I have been told its costing me 80 to 100 points. I really need your help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital1 had application for card I didn't request. XXXX app & problem solved. All cc companies should inquire & verify like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX servicing has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
Transunion consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit.

They have my credit file in s special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application.

They have no reason to have my file listed under special security.

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over 7yrs old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which Transunion corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.

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 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
beginning of XXXX of last year, credence resource management has been trying to collect a debt for XXXX that has my name on it but not my correct phone number i have never changed in 20 years. They did attempt to verrify debt by sending 4 of the most recent but any name can be entered there by them so they can collect on fraudulent debts. They say I owe {$1300.00} in one letter {$1300.00} again for another account, {$220.00} and {$170.00} all in the 6 months that it says the account was open for. I informed them this is not my debt not my phone number but they do their own investigation and replied on or about XX/XX/2022 that I owe this debt on a phone I have never used. For 2 years they not only have marked me as a bad cobsumber for a debt that is CLEARLY not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: MD

Complaint narrative:
I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted XXXX who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still 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 2022-03-19 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: GA

Complaint narrative:
PLEASE HELP! 

I send Experian a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. Experian has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and Experian obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. Experian is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with Experian has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that Experian has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX  because I feel I need additional help/ back up due to the fact that Experian continue to tried to bully and intimidate me.

15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2020, JPMCB- Card Service pulled a copy of my credit report. I contacted them within 24hrs to inform them I didnt authorize it. I spoke with their security/fraud department. I also mailed them a total of three letters. I have also contacted the credit companies to dispute this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$600.00}, Date opened. XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues to verify as accurate accounts that are a result of identity theft and fraudulent charges. One collection account is completely fraudulent, XXXX, and they continue to report it and will not remove it. The second account is a compromised account by discover. They have been provided a police report as well as documentation but they refuse to block it. They have ignored FCRA regulations and deadlines as well as internal processes regarding this matter. 
The transactions from these accounts are a result of transactions not made by 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