vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This Debt Collection Company Central Portfolio Control has been sending automated calls repeatedly every day. I told them that the debt was not mine but they do not listen nor give me any response. The balance is ony {$440.00} why would I such money to someting I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
On XX/XX/2022, I received a letter from Southwest Credit Systems , L.P. stating that I owed {$840.00} to XXXX. The letter stated : " Our information shows : You had a account from XXXX with account number XXXX. '' This is false information. This is not a XXXX account number, but it is my reference number with SWC. 

Because of the false information SWC provided, when I called XXXX later that day, they stated that my balance was up-to-date and this was probably a fraudulent attempt at collections, so I reported it. Importantly, because my alleged XXXX " account number '' per SWC 's letter only had 8 digits and XXXX 's actual account numbers have 16, the XXXX representative assured me this wasn't a real collections letter. 

On XX/XX/2022, the collections account hit my credit report, and on XX/XX/2022, XXXX confirmed it was a result of identity theft. 

On XX/XX/2022, I emailed an image of the collections letter to a Customer Security Assurance representative at XXXX. On XX/XX/2022, that representative stated that XXXXXXXX XXXX system never would have located the account because of the false information SWC provided.

Later, a representative from SWC 's compliance department confirmed the error and that they should've used the creditor account number, not SWC 's account number. 

In sum, SWC told me that they were collecting for " a account from XXXX with account number XXXX. '' This is false. If SWC had not erred and had accurately provided the creditor 's 16-digit account number, my credit score wouldn't have been impacted, and I would've been alerted to my identity theft 2 months earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. They did not provide me with the information that i asked in the timely matter. In accordance with the Fair Credit Reporting Act 15 U.S.C 1581 and Fair Debt Collection Practices Act 15 U.S.C. 1592 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1581 section 602 A. States I have the right to privacy 15 U.S.C 1581 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 1692 section 605 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer 15 USC 1592 section 605 A section 3 States at the consumer place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1592 section 606 section 5. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

XXXX XXXX XXXX has been harassing me and stressing me out for years. I have XXXX now because of this collection that has been illegally reporting on my credit report due to this debt collector. I have proof of them telling me they are a debt collector and they have violated so many of my rights going on for years now. this is not my first time disputing this illegal account that is on my credit report. I have sent countless papers and did everything they told me to do to show them this account is not mine and the only thing that happens is they update it i want the account deleted. I have proof i sent certified mail to them and they were supposed to send me everything back in 5 days which they failed to do so. I also have proof of every letter they sent me along with them telling you they didn't try to contact me and they are not a debt collector.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022 LCI, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Dear, LCI representative Transunion, your parent company has notified me that they received information of a bankruptcy from LCI, XXXX. 

Refer your knowledge to the Fair Credit Reporting Act Law, subsection 609 - 15 U.S code 1681g - Disclosure to consumers. 

I am requesting a complete file of all the information LCI, XXXX has obtained about an alleged bankruptcy in my name. 

Provide the information on file, the source which LCI , XXXX obtained the information and the recipients of the information. 

I want the identification of a person, court or business, the name of the person, court or business or, if applicable, the trade name ( written in full ) under which such person, court or business conducts business and the address and telephone number of the person, court or business that furnished the bankruptcy that you have on file. 

You are here by put on notice LCI XXXX XXXX. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to PRIVACY. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency OR any PERSON/COMPANY can not furnish a account or information without my written instructions and consent. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Each violation is a XXXX dollars when a company breaks the law. 15 U.S code 1681n

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 2022-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
Currently, I have a collection request from Enhanced Recovery Collections, for {$100.00} for XXXX XXXX, opened on XX/XX/XXXX. I am currently still a customer with XXXX XXXX. About XXXX years ago I moved addresses, during this transition I created a new XXXX account to service the new address. I was unaware that I owed any outstanding money to XXXX and even checked my old account, which still shows no amount is due on either accounts, and was never contacted by them about the {$100.00} owed. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my previous address. The Enhanced Recovery Collections attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with them their company policy is to not accept any pay in full for deletion letters, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Service Residential, Nevada, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) Management company and registered agent for the HOA : Firstservice Residential Nevada XXXX at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX XXXX XXXX tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc.

We dispute the debt because neither we or our property management ( XXXX ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX XXXX contact as well. 

Thank you very for reading this and please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times.  transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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