vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am writing to express my strong objection to Midland Credit Managements unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with them, they have been attempting to collect a debt from me. 

I am submitting this complaint against Midland Credit Management for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : Midland Credit Management was never contracted by me to collect any debt.

2. Failure to Validate Debt ( FDCPA 809 ) : Midland Credit Management has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation.

3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 
4. Unfair and Deceptive Practices ( FDCPA 804 ) : Midland Credit Management has engaged in unfair and deceptive practices, including misrepresenting the debt and your authority to collect.

5. Negligent Reporting ( FCRA 623 ) : Midland Credit Management has negligently reported false information to credit bureaus, damaging my credit score.

Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ) 2. Peonage : The debt collection practices have forced me into peonage, a form of modern-day slavery, by : Coercing me into paying debts through threats and intimidation, creating a cycle of debt that is impossible to escape, Using high-interest rates and fees to maintain control over me, Limiting my access to credit and financial resources 3. Human Trafficking : The debt collection practices have subjected me to human trafficking, including : Forced labor ( through debt bondage ), Exploitation ( through excessive interest rates and fees ), Coercion ( through threats and intimidation ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines : XXXX XXXXXXXX.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
Credit corp solutions have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I'm unable to log into my Experian account. After clicking on " forgot username '', I get the message to enter SSN and birthdate. They couldn't find my profile. I called their customer service line, but the entire line is self service trying to redirect customer to online portal which I can not log into and there is no LIVE customer service on that line. The only phone numbers are tailored to their business accounts. This is unacceptable that I can not speak to a live person to address the issue. There are also no forms online to fill out to send an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
The Equifax company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The XXXX company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit

bureau Can you give this information if my person does not authorize, thank you. 2inquiries Th
ese lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-25 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.

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 2024-07-25 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: GA

Complaint narrative:
I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.

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 2024-07-25 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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-25 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  and beyond financial violated the fair credit reporting act. For 13 months they have been they have been reporting to the credit bureaus XXXX is XXXX percent interest rate and the loan Installment agreement is XXXX percent interest rate. They reported wrong information on the amount of money it's different from the installment agreement signed on XX/XX/year> and XX/XX/year>. Loan Installment agreement is XXXX they have reported to all three credit bureaus XXXX. I never signed another Installment agreement with the change. On one loan they claimed they settled with XXXX XXXX XXXX on the XXXX credit report it is different listed as a charge of Bad credit purchased by another lender. They reported wrong information to all three credit bureau. I've paid to date XXXX dollars and my monthly payment is XXXX XXXX XXXX  and beyond financial reported wrong information to the credit bureau . They did not provide the service they claimed. Accurate account and settlements with all lenders reported on the three credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate late/missed payments entries that are currently reported on my credit report. I kindly request that you investigate this matter and correct the inaccurate information on my credit reports. Please provide me with written confirmation of the results of your investigation.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate late/missed payments entries that are currently reported on my credit report. I kindly request that you investigate this matter and correct the inaccurate information on my credit reports. Please provide me with written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate late/missed payments entries that are currently reported on my credit report. I kindly request that you investigate this matter and correct the inaccurate information on my credit reports. Please provide me with written confirmation of the results of your investigation.

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 2024-07-25 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: OR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from XXXX XXXX account number XXXX in the amount of XXXX  $ from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was originally denied this claim by Bank of America, I have reopened it and I have also filed a police report regarding these charges Claim id XXXX Police case report number : XXXX I originally filed my claim on XX/XX/XXXX and was denied I have now reopened it. This ( as a client for 15 years ) and aside from the past few months no claims at all is unacceptable

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 monetary relief
Consumer complaint received 2024-07-25 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: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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