vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.

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 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A States I have rights to privacy. 

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing with XXXX AR XXXX and Transunion and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus Transunion and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, Transunion, and XXXX for their negligence.

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 2022-04-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing with XXXX AR XXXX and XXXX and Experian since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original CreditoXXXX and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and Experian. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXXXXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, XXXX, and Experian for their negligence.

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 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
EVERYTIME, I DISPUTE THE ALEGED ACCOUNT WITH MIDLAND FUNDING, THE AMOUNT CHANGES {$1.00} INCREASE THEN A COUPLE DAYS LATER {$1.00} DECREASE AND IT EFFECTS MY CREDIT SCORE AS IF I MISSED A PAYMENT. I'VE DONE RESEARCH ON THE COMPANY AND THEY HAVE MANY COMPLAINTS OF UNFAIR PRACTICES AND LAWSUITS REGAURDING THEIR COLLECTION ATTEMPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have zero inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.

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 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of 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 TXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX 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 2022-04-10 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: World Acceptance Corporation
State: TX

Complaint narrative:
This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past seven years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Original creditor : XXXX BANK XXXX AD XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  O Original creditor : XXXX XXXX EXXXX  XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Wrong amount in debt I have no debt nor acknowledge of the debts why is it still on my account fraud 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a letter from Truist stating that I had until XX/XX/XXXX to bring my mortgage payments current, otherwise foreclosure proceedings would begin. On XX/XX/XXXX, Truist transferred my mortgage to a third-party company. I went to a Truist branch location to figure out what I ought to do, and after the branch employee and I called the third-party company, we learned that it takes 15 days for the company to internally process a transferred mortgage. Therefore, I would not have the opportunity to pay off my loan, and the third-party company refused to share how much I owed in order to bring the loan current. Eventually, the Truist branch employee told me to get a cashier 's check of the most recent amount shared to me via letter, and to overnight it to the third-part 's location. 

I'm concerned that I may lose my house, despite my best efforts to bring my mortgage current. The early transfer of my mortgage may have locked me out from properly bringing my mortgage current by XX/XX/XXXX, and may cause me to lose my house.

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 2022-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past XXXX years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.

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 2022-04-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # 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

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