vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: IL

Complaint narrative:
I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE EXPERIAN, XXXX, AND XXXX AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/2023 AND THEY RECEIVED IT ON XX/XX/2023. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO 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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
midland funding acct XXXX they continue to contact me via mail even though account is currently being handled by XXXX XXXX XXXX Acct. XXXX. 
Midland Funding sent a multiple page document to fill out get notarized and send back to them called Aid of Execution attaced was court document over 7 years old.I have been working with XXXX XXXX XXXX and in current incapacity to repay they issued a financial hardship status letter. This debt was less than {$700.00} and is over 8 years old. 

I just dont get how they can continue to send letter after letter when they themselves turned it over to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not authorize this inquiry, and I request that it be deleted immediately. Please send me written confirmation and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: SC

Complaint narrative:
No response even though they said the report 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 explanation
Consumer complaint received 2023-12-11 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 attest that I am a victim of commercial trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor of trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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 a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio

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 2023-12-11 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 a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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 a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio

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 2023-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
Had a place in my name with roommates with the rent and utilities being split between three people. I was unaware that the cable by XXXX was put in my name after I left the roommate situation. Currently in collections by Eastern Account Syst

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XX/XX/23 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT For several months now I have requested that Nelnet directly report to XXXX that my loans are paid and closed out forever. XXXX continues to report incorrectly, that the balances are unpaid and due in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into accounts inaccurately reporting me as late, even though I am consistently on time.

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 2023-12-11 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: DISCOVER BANK
State: GA

Complaint narrative:
Ex employee " XXXX XXXXXXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan for any purpose.

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 2023-12-11 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: IL

Complaint narrative:
I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, XXXX, AND TRANSUNION AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/ AND THEY RECEIVED IT ON XX/XX/. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX  THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO 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 2023-12-11 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: OR

Complaint narrative:
XXXX has reported inaccurate balance and credit line amount and the length of account and also the incorrect credit utilization which I had told XXXX and they have now fixed the information in which they have reported the correct information to XXXX and XXXX which you will see in the documents I provided I had been talking to XXXX about the errors on my report that they submitted and they told me that they was working with the credit bureaus to fix the issue and I had disputed the information that is on my credit report with Transunion they said they did an investigation and decided to keep the inquorate information on my credit report which is hurting me and effecting me from being approved for loans and credit cards and i know they did not investigate my dispute because if they had they would have been told the information is incorrect from the creditor Transunion also have my credit account with my bank inaccurate as well they are reporting I have a 44 % credit utilization and a balance of {$220.00} which is also inquorate which you can see in the documents I provided I have zero credit utilization and no balance so all the negative statement 's that they have is hurting my credibility which I wanted to apply for a loan which if they had the correct information reporting i would be able to get a loan but because they have the wrong information that's negative my score with Transunion is XXXX but with XXXX its XXXX and with XXXX its XXXX but Transunion is XXXX and steady dropping by the day which is unfair to keep this inquorate information on my credit profile i have explained to them that they are reporting wrong figures and they are still not doing anything about it just letting it sit on my credit report and they have not verified these accounts which congress said they must do if a consumer disputes any information they have for the public to see. which they can be fined because i told them and i sent documents that XXXX have written to me telling me they are fixing the account information and they even said I'm supposed to have XXXX utilization which they apologized to me and that would have been found if Transunion investigated but they didn't so they are deliberately furnishing this inquorate information knowing its hurting me which I've worked to hard to get my scores to rise and ive been doing just what I'm supposed to and for Transunion to continue to furnish this incorrect information is cruel and i don't deserve to be placed in this way because they are hindering me from getting ahead

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 2023-12-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX  Account # XXXX {$230.00} Opened XXXX XXXX XXXXXXXX XXXX Account # XXXX {$380.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.

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 2023-12-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.

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