vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/2024 XXXX XXXX Open. {$930.00} past due as of XX/XX/2024. 
XXXX XXXX XXXXXXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2024. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/2024. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!

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 2024-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX XXXX XXXXXXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the accounts referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax mixed my credit report with someone else 's. Equifax included someone else 's collection accounts and unpaid balance on my credit report and ruined my credit report which caused the denial of my tenant application. Any reasonable person could tell the credit report was wrong and included information of more than one person since there were addresses in NY, NJ and CA in the same time and there were six XXXX accounts. However, they still sent this report out to landlords. This shows that Equifax did not exercise any reasonable care in preparing credit report and they are grossly negligent in this. 

The collection accounts Equifax wrongly included in my credit report relates to missed rent payment in XXXX and I have included my rent payment history here for the past three years going all the way back to XXXX. This clearly demonstrates that the collection accounts don't belong to me. I have attached my rent payment history here. 

In addition, there is a XXXX component to this as well. I learned from the collection agency that the collection accounts Equifax wrongly included in my credit repot belong to someone else with a similar but different XXXX name as mine. It seems like Equifax thinks all XXXX names are the same and they can just randomly assign one XXXX 's credit history to another XXXX. This shows that Equifax is extremely careless in handling credit reports of people with XXXX names and treat their customers differently based on their XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: LA

Complaint narrative:
I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, XXXX, and TransUnion. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing 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 non-monetary relief
Consumer complaint received 2024-02-17 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: LA

Complaint narrative:
I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, Equifax, and XXXX. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
I and my husband are divorcing. I left the family home and the XXXX bill was in my name. Over {$760.00} of utilities was accrued under my name. My ex claims that he paid the debt in full. I have not received a bill since XXXX of last year and then suddenly I get this collection notice in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: VA

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. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2024-02-17 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: VA

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. 

XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information 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 non-monetary relief
Consumer complaint received 2024-02-17 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: AR

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am responding to your communication regarding the account furnished on my consumer report by Midland Credit Management MCM # : XXXX. After reviewing the documents you have sent I noticed you stated that the account in question meets FDCPA requirements. That is false because according to 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business your company as you have claimed has a reputation and is known for debt collection practices. Also According to 15 USC 1681a ( d ) ( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report therefore the documents you submitted clearly shows transactions and experiences. Your company can't provide anything with my wet ink signature proving that I owe any debt. I refuse to allow you to continue to harm my overall creditworthiness by furnishing this inaccurate information. Furthermore I would like the representative that has first hand knowledge of this alleged debt to come forward and provide adequate evidence proving that I am responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I opened checking account on XX/XX/XXXX with Wells Fargo and kept a XXXX  account history with them. I retrieved my XXXX  report only to find that on XX/XX/XXXX Wells Fargo reported that I overdrew account. That is false and defamatory and I request they investigate to correct their error and remove this information. I would need to see proof of a bank statement showing the amount overdrawn otherwise remove this info from my 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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