vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : 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. Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a couple of hard inquiries on my credit report that I did not authorize and I did not give permission for my credit to be ran. I would like them to be deleted immediately off my credit report please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Approximately XXXX XXXX  ago, I was the XXXX  of fraud across all of my credit and deposit accounts with XXXX  financial institutions. This was not an isolated incident and it happened XXXX times over XXXX XXXX as I did not realize immediately that the perpetrator was an associate of mine with access to my home and repeatedly accessed credit & debit card information. Some of these accounts were hit XXXX  times over this time, because the perpetrator access the new card information when the previous card was closed and re-issued. I did not give my associate access to my personal records, but they took the liberty to do so when unsupervised. Because of their actions, it caused multiple deposit accounts of mine to be in the XXXX  and for payments to capital one to be returned unpaid. I have contacted Capital One to explain the situation and make them aware that I was the victim of credit fraud not the perpetrator and they couldnt seem to understand. They closed my XXXX longest open credit card accounts that I had maintained excellent credit history for over XXXX XXXX on each. I again tried to explain the situation, and the fact that I was the victim and not the criminal to no avail. I have since experienced extreme economic hardship because of excessive XXXX  bills due to multiple chronic illnesses and have been given no concessions by capital one because XXXX of my XXXX accounts was characterized as not complying with company disclosures/delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I checked my credit report onXX/XX/2024and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX Resolutions XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
Absolute Resolution failed to notify me that the debt was brought and allow me time to dispute. Absolute Resolution Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from XXXXXXXX XXXX XXXX  XXXX XXXX with an amount of {$2300.00}. 

XXXX XXXX, Absolute Resolutions and XXXX XXXX are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days XXXX is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving XXXX XXXXXXXX authorization to contact me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: SC

Complaint narrative:
Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX XXXX  XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
XXXX XXXX failed to notify me that the debt was brought and allow me time to dispute. XXXX XXXX Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from BMG loans at work LLC with an amount of {$2300.00}. 

BMG Money, XXXX XXXX and BMG loansatwork are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days BMG is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving BMG Money authorization to contact me via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I'm unable to see my credit score.

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 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX  or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.

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 2024-01-20 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I was supposed to be in Covid protection status and was told and I have the proof that I didnt need to start making a payment until XXXX it is now reporting I am past due and it took a. Hit to my credit I want this fixed as I have paid a payment

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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:
I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.

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 2024-01-20 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: AR

Complaint narrative:
I checked my credit report on XXXX  and I noticed a Public Record from a XXXX XXXX  Bankruptcy on XX/XX/XXXX still reporting on TransUnion and XXXX. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but Transunion and XXXX failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED 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 2024-01-20 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: FL

Complaint narrative:
I am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/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 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX I am reporting a fraudulent inquiry found in 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 non-monetary relief
Consumer complaint received 2024-01-20 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: OH

Complaint narrative:
Experian, please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX The listed balance of {$2900.00} is incorrect as the account has been paid. Furthermore, the account is erroneously listed as open, which is clearly incorrect.

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 2024-01-20 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: FL

Complaint narrative:
I have some inaccurate information on my credit report, and I sent in some letters about 60 days ago and I have not received any response.

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 2024-01-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX [ Email Address : XXXX ] Dear, Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. 

As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.

In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.

I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.

Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience.

Thank you for your prompt and diligent attention to this important consumer protection matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief