vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: AL

Complaint narrative:
My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, Division Of Child Support Account # XXXX I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please remove all negative consumer personal data IMMEDIATELY.

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 2023-04-09 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: LA

Complaint narrative:
Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: LA

Complaint narrative:
Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: FL

Complaint narrative:
Midland Credit Management is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, XXXX, and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, Experian, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.

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 2023-04-09 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: OH

Complaint narrative:
i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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. 

accounts to delete immediately : XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXXXXXX XXXX-acct XXXX XXXX XXXX XXXX XXXXacct XXXX XXXX XXXX-acct XXXX XXXX XXXXXXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX-acct # XXXXacct # XXXX addresses to delete- XXXX XXXX XXXX XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX ohio 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 2023-04-09 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX ( XX/XX/2022 )

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 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit filed a lawsuit against me for debt XXXX XXXX. 
The court date was set and I obtained a lawyer. 
Midland credit voluntarily dismissed the case. The collections was removed off my credit files. 
I just reviewed my credit file and the have put the same two collections back on my credit file. 
This happened this year XXXX. This case was dismissed in XXXX I want the collections removed immediately from all 3 bureaus. This is against the law and they should be brought to justice for trying this. 
I want the collections removed NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: WA

Complaint narrative:
According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.

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 2023-04-09 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: WA

Complaint narrative:
According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX have put XXXX credit back on my credit file the court judgment was final in XXXXThey attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my credit score to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$4400.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$0.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$19000.00} XXXX. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT {$460.00} XXXX. XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$560.00} XXXX. JPMCB OPEN DATE XXXX STATED PAST DUE AMOUNT {$8400.00} These account are being furnished to the credit agencies and they are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: WA

Complaint narrative:
According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting XXXX On or Around XX/XX/2022, I contacted madam CEO Citi Bank XXXX XXXX XXXX then I made trip to Citibank XXXX XXXX branch XXXX city of XXXX XXXX, CA XXXX XXXX to Speak with branch manager XXXX, XXXX Thankfully advised me to Ship package to Garnishment Citibank, I did Then a month later I made Another trip to : Citibank XXXXXXXX XXXX located XXXX XXXX XXXX, XXXX Ca XXXX, Lucky I was I met Citibank V.PresidenXXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX 
XXXX, made copy from over 250 documents and Faxed it to Citibank HQ, 6 months, and so far nothing received from Citibank, until now, please Contact My dear Mr.v.president XXXX  With my complain, thank you for your help and happy 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 2023-04-09 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7  years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company response to consumer: Closed with explanation