vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am being harassed by what I believe is a fake debt collection agency. Since XX/XX/year>, I have received near daily phone calls from multiple different numbers claiming to be Franklin Service Inc.-Debt Collector I looked into the collection agency as it seems suspicious. I believe the people contacting me are attempting to impersonate Franklin Collection Service ( a real company based in XXXX, XXXX XXXX. The calls I have received are from several ( XXXX ) numbers, but the XXXX XXXX has no southern AL phone nos or addresses listed on their webpage. When I search for these numbers, they are not linked to any legitimate persons or company. Some are flagged for a XXXX XXXX warning. Here is a list of the phone numbers I have been contacted by claiming to be XXXX XXXX XXXX-Debt Collector : 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 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
There is an unknown debt on my credit report and its effecting it poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-08-15 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: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX Account Number : XXXX Account Name : 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: TN

Complaint narrative:
XXXX I applied to refinance my home I was denied due to a collection that I was uaware about. I contacted XXXX the orginal comapny and they stated that they had sold this account to XXXX XXXX and gave me a XXXX number which i called and it was disconnected. I then contacted XXXX  again and asked for an updated number but was given the same number... but oin my credit report it has ziondebtcollection.com which I also tried to contact and got no answer. I am out of ways to contact or try to resolve this debt and would like for this item to be removed from my credit file as I was not notified and given to chance to pay this debt before it went to my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-15 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is 3rd request under FCRA 623 ( A ) ( 8 ) ( E ).

Your office has never sent me the information I am requesting and you are in violation of FCRA 623, therefore this is a new request for the PROOF that supports your reporting to XXXX a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

Portfolio Recovery knows or should have known this account has been ILLEGALLY REAGED! 
According to todays XXXX  Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my XXXX Credit report as Portfolio Recovery # XXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( XXXX  ) in total disregard of FCRA and FDCPA laws. 

How can Portfolio Recovery report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA 623 ( A ) ( 8 ) ( E ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
Portfolio Recovery is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or Portfolio. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
XX/XX/year> I noticed XXXX XXXX accounts on my Experian credit report that were not mine. 
XX/XX/year> I confirmed with the creditor ( XXXX ) that my SS # does not exist in their system. 
I asked for written confirmation via email so I can forward it to Experian and was told it would be sent to my email by the end of the day. 
Opened dispute on Experian website. 
XX/XX/year> Checked email and did not received email. 
Checked dispute with Experian and it was denied. 
XX/XX/year> Called Experian the next day to inquire why it was denied, and Experian alleged that the info was verified by XXXX. Opened dispute again. 
XX/XX/year> Called XXXX to request email previously agreed to. Request was denied. 
I received consent to record the phone conversation. Received supervisor 's employee number and verbal confirmation that I do not have accounts with them. 
I can provide the audio file.

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 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have personally contacted National Credit Systems, and the information they have on file is not my information, including date of birth, address, email, and other details. Despite this, the account remains on my credit report, which I find deeply concerning. 
I spoke with a representative from National Credit Systems, a woman at extension XXXX, phone number XXXX case XXXX. She mentioned that she would send me an email with a link to submit my driver 's license and other personal information. However, I am extremely hesitant to provide any further details to them, given the inaccuracies already present in their records. 
This account is supposedly tied to an apartment complex, yet I have lived in the same house for a long time and have no association with the property in question. I do not understand how such a mistake could occur and how this account could be added to my credit report without thoroughly verifying every single piece of information. 
I am deeply concerned about how my Social Security number and other personal details could have been accessed or used in this way. Please, I implore you to investigate this matter thoroughly. I am not the person tied to this account, and this should be evident upon reviewing the personal information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After checking my credit report, I noticed fraudulent accounts listed. Kindly remove these as they're impacting my credit.

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 2024-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
I received a call today from XXXX XXXX XXXX XXXX XXXX XXXX  ph # ( XXXX ) XXXX they inquired about a T-Mobile account that they claim was past due. I Advised the representative fully paid XXXX XX/XX/year>. I asked her if she was associated with the XXXX XXXX  that I saw on my credit report and she got very rude and defensive. I told her I would like to dispute the account because it was already paid and I could provide proof and I asked her to mail proof that she cant collect the debt and she hung up in my face. I called the number back and spoke to another young lady, and she was very rude. She talked over me, yelled at me and asked me for my Social Security number in order to verify the debt and ask for my card number and my address. I saw that XXXX collection agency has already reported {$190.00} on my credit report as of XXXX XXXXI am not sure if either one of these companies are associated with each other. I advised him not to contact me anymore due to them being rude and not professional, and not wanting to provide proof that they are supposed to even have my information. When I reach out to XXXX they say I do not owe them. When I looked up the attorneys information they state that there is a class action lawsuit against them for attempting to collect debts that are not theirs. Ive had a report with the FTC that number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
I'm unaware of this debt, I didn't have an opportunity to dispute this debt. I didn't receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These late payments arent in line with my consistent payment record. Please delete them and update my accounts as soon as possible.

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 2024-08-15 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: GA

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 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 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 2024-08-15 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: Experian Information Solutions Inc.
State: GA

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 XXXX Bankruptcy 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 XXXX 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

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