vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Opportunity Financial, LLC
State: NM

Complaint narrative:
On XX/XX/2022, I began the debt consolidation process with a company. On XX/XX/2022, I emailed XXXX requesting to freeze card and close the account. XXXX replied on XX/XX/2022 stating they could close the account, but XXXX never closed the account and it is still accruing interest to date and reporting negatively on my credit report. The debt consolidation company can not begin negotiations until the account is closed for collection. XXXX is the only creditor who has not complied with my request for account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX debt collector for Capital One. During the pandemic my account went to collections. My wife and I had a joint account. XXXX XXXX  XXXX sent garnishment letters from XXXX to XXXX. They began my wages weekly in XX/XX/XXXX. My wife contacted them to resolve her issue or put blame me. My wife and I are separated and not speaking with each other. XXXX XXXX XXXX XXXX sent legal documents to my payroll department at the XXXX XXXX XXXX in XX/XX/XXXX. My name is the only name mentioned on a joint account with my wife XXXX XXXX. ( Credit card ending XXXX ) The garnishment is weekly between {$99.00} to {$110.00}. My wages at the is XXXX hourly. What Justice would approve garnishment of my wages? I think it maybe a scam. The garnishment totals $ XXXX monthly. There's many scammer 's out there. My apartment complex make fraudulent charges too. 

*Please cancel my current complaint XXXX. It was entered incorrectly. My apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: OR

Complaint narrative:
I Believe I am a Victim of identity theft there are multiple accounts that i did not open or authorized. I really don't know anything about credit unit I recently checked my credit report and seen these fraudulent accounts. I am confused how someone can open an account in my name without my consent or authorization Please look into this investigation i will like these account to be remove from my credit report as its hurting my score and its fraud. thank you Fraud account are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Creditor continues to make Errors on money owed And reporting late payments to credit bureaus. This has been an ongoing problem. THIS IS INCORRECT! 
PLEASE HELP ME CORRECT PROBLEM THAT IS NOT 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 explanation
Consumer complaint received 2023-01-02 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: LEXISNEXIS
State: MI

Complaint narrative:
I never got any letter from any agency called LexisNexis on any of my report but now this explain why my rates on my issuance was rising and XXXX  was raising my policy higher. I never had any accidents the accidents was cause by people that was been XXXX and they out this on my report that I had any knowledge of by the report shows that i was not at fault on the accident someone that ran in to me on purpose calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aware of the accident but I never knew that this was added to me report at all and I didn't or know the consumer agency at all. I never receive any notices at all but now this explains why my rate was going up with XXXX instance and why they cancelled my policy out. The date they had listed was XX/XX/2019 and XXXX knows I was not at fault at all on this one at all. i would like to know who sold my information to this company without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: LJ Ross Associates
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certity that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC account XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX this account is reporting to XXXX and XXXX only ( its not on my XXXX account )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accountXXXX XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.

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 2023-01-02 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: AZ

Complaint narrative:
I never had a credit card with this company. It states opened XX/XX/2020 I didn't even have a job with any income during XXXX. I lost my job end of XXXX so no real money coming in to get a card. I have XXXX  XXXX but never ever used XXXX  XXXX or got a card from them wvver.

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 2023-01-02 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I never had a credit card with this company. It states opened XX/XX/2020 I didn't even have a XXXX  with any XXXX  during XXXX. I lXXXX XXXX XXXX  end of XXXX so nXXXX XXXX XXXX XXXXoming in to get a card. I have XXXX  XXXX but never ever used credit XXXX or got a card from them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was unable to get a refund from a merchant in XXXX XXXX XXXX. I subsquently filed a dispute with citibank to charge back the purchase. As of XX/XX/XXXX the dispute has not been resolved, although I have provided citi with proof that merchant agreed to refund the purchase but hasnt done it.

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 2023-01-02 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,

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 2023-01-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.

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 2023-01-02 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : CCS COLLECTIONS This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a HIPPA waver allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose any of my personal information to the debt collection agency MDS ( Medical Data Systems ). I began receiving calls at my workplace once a week, And they identified themselves as Medical Revenue Service, it wasn't until I saw the report to my credit score that I found they were also called Medica Data Systems. I was fearful because I was being contacted while I was at work and was afraid losing my job because of it and was feeling pressured to give an immediate payment each time they called me, even though I explained I did not currently have the amount they were asking for at the moment, however they still continued pressuring me for payment. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, to disclose my personal information to Medical Sata Systems, a collection agency. The amount that the collection agency told me that I owed was over {$300.00} of which I paid {$25.00} on XXXX the XXXX of XXXX. The amount owed was from XXXX the XXXX of XXXX. However according to the claim information from my health insurance benefits page, the amount should have only been {$290.00}. Not only did I write a letter to Medical Data Systems explaining the violation of my rights and the request to see exactly what XXXXXXXX XXXX XXXX XXXX  sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency, but I also wrote letters to all 3 credit bureau 's explaining what happened, And requesting that the debt collection report be removed from my credit score. The 3 credit bureau 's I wrote to were XXXX, XXXX, and XXXX. Those letters were sent on XXXX the XXXX of XXXX. I have attached documentation of each letter that was sent, the proof of Labeled envelopes with stamped postage, a record of the incident being reported to my credit score on XX/XX/XXXX, The claim information from my benefits page of my health insurance from XX/XX/XXXX, as well as confirmation of payment of {$25.00} which was sent on XXXX the XXXX XXXX, but cleared on my account on XX/XX/XXXX. If any additional information is needed I will be happy to supply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00} has violated my rights. 

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

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation