vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
I'm not liable for this debt with MIDLAND CREDIT MANAGEMEN I don't have a contract with the collection agency trying to collect a debt they didn't provide me with the regional contact as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AZ

Complaint narrative:
this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: AZ

Complaint narrative:
this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your 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 2023-10-18 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: NV

Complaint narrative:
I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of 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 2023-10-18 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: DriveTime
State: NV

Complaint narrative:
I applied for financing from Drive time for a vehicle and despite having approximately {$6000.00} a month in income they were only qualifying me for XXXX a month and requesting that I pay a down for approval. I believe the financing team at this company is engaging in predatory lending practices. I was in a no fault accident and am without a vehicle currently trying to maintain XXXX jobs and caregiving for my elderly mother this is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MO

Complaint narrative:
No one from NACA has responded to my emails or provided a written response stating that is was discussed in the last meeting in XXXX. I have an email dating back to XX/XX/XXXX with no response and I several other emails with no response. I have emails requesting support, help and how to move forward. All emails are also being sent to my NACA client portal file. My pervious CFPB complaint was answered by XXXX XXXX XXXX XXXX. NACA XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX but this person has never spoken with me or emailed me and I am unsure of her role with the NACA company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion has continued abusing my file and failing to update information such as phone numbers, employment title & true 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 2023-10-18 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: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from 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 2023-10-18 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: GA

Complaint narrative:
This has been a on going disagreement with transunion consumer reporting agency, about several accounts on my report that's not mine and that is port of me being a victim of identity theft. this is proof that they are in direct error and causing my financial hardship. Inclosed is a letter from XXXX that was sent to Transunion and the other credit reporting agencies, however, the other agencies removed this and other accounts that was not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
Per complaint : XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS sent me an email on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

They then shared the attached documents ( A document named statement and lease ) which do not address why I owe this amount. 

The 'statement ' shared does not state the date of origination, authorizing party or business that generated this said statement, or why I owe these amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX in Utah sent me a invoice and note about a past due invoice saying that I had until XX/XX/XXXX to pay {$1000.00} amount in full or else they will send the debt to collections. A few weeks ago I received a letter from MLC collections dated XX/XX/XXXX thar they were attempting to collect the debt from XXXX XXXX. Same debt that I was just told that I had until XX/XX/XXXX to pay. They also added on {$300.00} worth of interest and fees. I called XXXX XXXX and was told that if I paid them by XX/XX/XXXX that they would take off the fees. I called XXXX XXXX today, XX/XX/XXXX, to pay the amount in full and I was told that they wouldn't take my payment because MLC already had the account. I spoke to a XXXX XXXX and told her about the letter I had that said I had until XX/XX/XXXX to pay and at first she told me that she knew nothing about a letter as I insisted I had it in writing she then started in on other excuses, honestly confusing herself from time to time. She wouldn't let me pay her or talk to anyone else, telling me she was the highest I could go. I then called MLC and they were concerned about the letter and told me to email their attorney but it could take 30 days for them to resolve it and they would be charging me interest daily while I wait. I asked if I could just pay the balance without the fees and she said no, it wouldn't be paid in full until I paid my balance and the fees. I spoke with XXXX. I asked her to put in the system that I did not want to be contacted by phone and about XXXX hours later I had someone else from MLC call me trying to collect the debt, after I asked them not to call me again.

Company response to consumer: Closed with explanation