vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
I received calls off and on for over a year from Portfolio Recovery Associates in an attempt to collect an alleged debt from a family member. After requesting multiple times to be removed from the list and reminding them it is illegal to contact me, they continue to do so. In a recent phone call, they disclosed the individual 's home address, last four of their social security number, the type and amount of the alleged debt, and the company the alleged debt was with they are representing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: CA

Complaint narrative:
I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan, Date opened XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK
State: IA

Complaint narrative:
I am showing a $ XXXX loan from XXXX XXXX XXXX on my credit report. Additionally, my checking account has been charged in XXXX and XXXX of this year by XXXX XXXX  for {$440.00} ( the same amount my credit report suggests the monthly payment of the $ XXXX XXXX loan is ). I called XXXX to inquire about this with XXXX, as I have not borrowed any money since purchasing a home in XXXX and obtaining a mortgage through XXXX XXXX. That mortgage has since been paid off. XXXX representative suggested that this loan was used to pay off an XXXX Credit Card held through XXXX XXXX in the amount of {$8500.00}. XXXX Card number XXXX. I have never owned an XXXX Credit Card, and own no XXXX products. XXXX suggested that in addition to this, a {$1300.00} check was sent to XXXX XXXX XXXX XXXX, XXXX, XXXX - payable to XXXX XXXX. I am named XXXX XXXX, however I live in XXXX  and have never been to XXXX in my life. Upon sharing all of this information with XXXX, they advised they had opened a fraud case and had sent the info to the email address on file. When I suggested I'd never told them my email address, they suggested its the one that ends with XXXX. I advised that is not my email address, and pointed out that they had likely just tipped off the person who stole my identity. They would not share the full email address with me, nor would they tell me what the phone number I have on file with them is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/XXXX. Apparently, a company called Midland Credit Management served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, XXXX via email ( XXXX ). I am in XXXX. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in XXXX  sent the paper to my company CFO ( XXXX ), also located in XXXX. No prior order was served in XXXX. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, XXXX. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong XXXX  accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of XXXX. ( Fraud? sounding more and more like it ). 
Either way I would like for Midland Credit to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, After disputing XXXX XXXX XXXX Total XXXX acct # XXXX multiple times I filed complaints with CFPB for the account with Transunion, XXXX and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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 2023-06-08 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:
I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( Equifax, XXXX, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( XXXX, Experian, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.

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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This debt belongs to my daughter. I did not sign anything to be held accountable for this debt. My daughter has since paid off this debt and I don't think it is fair for this collection to be on my credit file. I am not responsible for the account. 

The collection company is ProCollect in the amount of {$390.00}

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 2023-06-08 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX  It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-08 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: IL

Complaint narrative:
In accordance to XXXX USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXXXXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account Number:XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor. 
Verify the accuracy of the reported information with Creditor and any other relevant sources. 
Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, 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 2023-06-08 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor.

Verify the accuracy of the reported information with Creditor and any other relevant sources.

Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : 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 respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: GA

Complaint narrative:
Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to the credit report act.this creditor is violating my rights under XXXX5USC1681 section 602 states I have the rights to privacy 15USC1681 section on 6048 section 2 it also states a consumer report agency can not furnish an account without my written instructions, under 15USC166B a creditor may not threaten a payment or a credit card account, under all open a consumer credit plan as late by any purpose.

Company response to consumer: Closed with explanation