vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  XXXX XXXX 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 stat
es 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 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information

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 2022-02-23 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:
all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot different name on my account.

They wrote

my name in so much different way I would like to delate those names and just have on in the correct way. Also the address if you can delate my old addresses and just leave the recent one. Im working on my mortgage house and, Im having some issues whit it because of that

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 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for committing identity theft. I have never given CREDITORS BUREAU ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDITORS BUREAU ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDITORS BUREAU ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and CREDITORS BUREAU ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 
Account # : xxxxx XXXX, xxxxx XXXX, xxxxx XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Had credit card through XXXX XXXX XXXX. account was closed and reported to credit bureau 's before I could make a minimum payment. Account opened on XXXX from what I recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FlexShopper, Inc
State: NC

Complaint narrative:
Company called Flex shopper is constantly charging my credit card unauthorized charges and I keep having to call my bank to dispute. Their reason is that my account is past due. I make payments and did not authorize this company to take payments off of my card automatically. I also requested my card be deleted from their files. I was advised my card information was deleted but this was not factual.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
Someone in XXXXXXXX XXXX named XXXX XXXX is using my social security number and it shows on 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: OK

Complaint narrative:
this company ASG recovery kept on calling my family members about a debt that was charged off by XXXX XXXXXXXX XXXX  which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now ASG recovery says that I owe over {$3000.00} which I never had the card I don't know what they're talking about

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting late payments on my credit report that are not late and violated the ( CARES ) Act forbearance program regulations it states that NO LATE PAYMENTS are to be reported to the credit bureaus during the time of Covid 's ( CARES ) Act forbearance period. 

I have listed the accounts with the late payments on my report that should not be reporting late especially if payment arrangements has been made. Failure to comply is a direct violation of FCRA section 623, 15 U.S.C 1681s-2 ; 12 CFR part 1022 subpart E. 

" If my account is current and I make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is REQUIRED to report to credit reporting companies that I am CURRENT ON MY LOAN OR ACCOUNT. 

These accounts LATE PAYMENTS needs to be update to CURRENT that were reporting during the pandemic : 1. XXXX XXXX-Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or to NO REPORTING Account Number :. XXXX  XXXX Account Number : XXXX 2. XXXXXXXX XXXX- Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or NO REPORTING Account Number : XXXX XXXX. XXXXXXXX XXXX-Please update reported late payments showing on XX/XX/XXXX, XX/XX/XXXX, and XXXX remove the 30 days late to CURRENT or NO REPORTING Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
this company XXXX XXXX  kept on calling my family members about a debt that was charged off by PROVIDIAN NATIONAL BANK which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now XXXX XXXX XXXX that I owe over {$3000.00} which I never had the card I don't know what they're talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Under the fair debt collection practices act pursuant to 15 u.s.c. 1692b the laws were established and written to protect the consumer where debt collectors must abide by the laws accordingly.

Truist Bank has attempted to collect a debt illegally.

The fair debt collection practices act says any person, company or alleged creditor who attempts to collect a debt is a debt collector!

Ignorance of the law is no excuse.

15 USC 1692b ( 2 ) shall not state that such consumer owes any debt ; ( 3 ) shall not communicate with any such person more than once unless requested to do so by such person.

( 5 ) shall not use any language or symbol on any envelopes or in the contents of any communication. 
XXXX 's are illegal and a violation of a consumer 's right to privacy. 
Post cards are illegal as well and the amount on the post card shows a positive balance and not a negative which means only a debt can be shown as a negative balance. 
Each violation {$1000.00}

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 2022-02-23 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: MD

Complaint narrative:
I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from Experian and XXXX, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.

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 2022-02-23 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: NV

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account US DIST CT Bankruptcy XXXXXXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX 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 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
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 

XXXX XXXX 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 2022-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. Experian has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXX XXXX XXXXXXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX The accounts are as follows - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX 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