vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I haven't received much information about my debt. I would like the original paperwork with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : UPSTART NETWORK INC. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} Balance updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service of Nevada
State: NV

Complaint narrative:
i justr recieved first written notice of debt on XX/XX/2024 of an alleged debt owed to sierra outsourcing solution in the exorbant amountt of {$18000.00}. Sierra outsourcing solutions is breaking the law because they have been reporting this debt to the credit bureaus for a couple months now. i have received no such notification.

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 2024-03-20 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: PA

Complaint narrative:
Experian is in violation of 15 USC 1681 2 ( a ) : A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. I have not given permissible purpose nor consent to report these " Late payments '' or share my individual privacy. Experian is effecting my credit worthiness. I demand correction under the FCRA.

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 2024-03-20 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: NY

Complaint narrative:
PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day RESIDENT VERIFY Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX XXXX XXXXXXXX, each bearing substantial balances. 

I have never been a client of XXXX XXXX XXXXXXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX XXXX XXXXXXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.

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 2024-03-20 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX XXXX XXXXXXXX, each bearing substantial balances. 

I have never been a client of XXXX XXXX XXXXXXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX XXXX XXXXXXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AZ

Complaint narrative:
For more than 5 years now I've been disputing auto insurance loss claims that don't belong to me, that I didn't cause, and are not my fault nor attributable to my vehicle which XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX, AZ XXXX continue to erroneously report on my XXXX XXXX to LexisNexis. 

XXXX XXXX XXXX knows that the losses belong to my father. Unfortunately I live with my dad so we share the same residential address but we have always driven our own separate vehicles, had our own automobile insurance policies, and we even have our own separate lives. However, the agents & underwriters at XXXX XXXX XXXX somehow took it upon themselves to include my name as a driver on my dad 's insurance policy at some point without my permission after I shared my social security number with agent XXXX XXXX to receive a quote. I declined to purchase auto insurance from XXXX XXXX & agent XXXX. Each year thereafter I began receiving reports from various brokers and insurers that I had a significant claims history regarding a vehicle that I do NOT own or use but because I happen to live at the same address as their insured who is also my father XXXX spread his risk onto me. This has adversely affected the rate quotes and the amount I pay for auto insurance for a long time. LexisNexis has refused to help remove the long list of XXXX claims because technically XXXX is the entity required by law to cease reporting the errors. I need help to clean my LexisNexis XXXX report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, 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 2024-03-20 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:
Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, 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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am asking for debt validation According to 15 USC 1692g send me a detail list of history of payments made by me on this account I also would like to see the signature that i put on a contract guaranteeing i would pay creditor I ask to see if there has been any insurance claim found on this debt I also want proof that you have a chain of title to collect on this debt original creditor Genesis FS card services inc date opened XX/XX/year> address XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NJ XXXX phone number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: TX

Complaint narrative:
XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX opened an account which was financed by XXXX XXXX. The loan was for roughly {$14000.00}. About {$6000.00} was paid but the remaining {$9000.00} is owed. In XXXX the file went delinquent and to collections. They tried to reach me regarding this matter but had a false email address. I found out about this in XX/XX/XXXX and have been trying to resolve this since. XXXX XXXX is not able to find " my account. '' They sold the debt to XXXX XXXX and SPIRE Recovery Solutions. I have asked for the docs to be mailed to me so I can file a police report however they mention they have mailed it several times, none of which I ever received. I did not open this account and I am unsure how a used tire place will allow such a high loan to be taken out. I do not live near XXXX nor did I open this account. They did access my bank account and have some withdrawals which we disputed and they credited us our funds back. XXXX XXXX should have verified true identity and had better practices in place to ensure this didn't happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

XXXX XXXX XXXX Account Number : 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