vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: MN

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I never got a letter informing me that I must use the card or it would be closed. 
I ask that my account is reopened ASAP.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It should be known that TransUnion is reporting information from a account that was closed by original Creditor, sentinto collections, and sold to a Debt buyer named XXXX XXXX XXXX under account # XXXX. XXXX XXXX and/ or TransUnion is reporting information on this report that violates the F.C.R.A. and due process of federal law which is adversely affecting my credit rating. A dispute was filed and denied by TransUnion and updated. Contrary, nothing was corrected so this new complaint is promulgated. A copy of the consumer 's TransUnion report is incorporated as evidence so discrepancies can be ascertained for review. Said errors are as follows : 1. Under Account type, this account is being reported as a open account. This is not a open account!!! XXXX XXXX is a Debt buyer and this account is a collection account. XXXX XXXX  can not extend credit to anyone. XXXX XXXX  can not have a open credit type with anyone and should not be reporting any type of account except collections. Nor do I have any agreements with XXXX XXXX regarding this account. Further more, no collection account should have a account type as open.This is falsely reporting information and should be considered fraud. 2. A balance and past due amount are showing on the account report. This is in violation and or error. XXXX XXXX is a debt buyer and not a creditor and can not report an account as past due or current. By a debt buyer reporting a balance and past due amount is a violation. 3. Date account opened is missing. 4. Date account closed is missing. 5. Date of last activity is missing. 6. Date verified is missing. Errors 3 through 6 make report incomplete and unverifiable.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It should be known that at current time TransUnion is reporting information from a account under Account # XXXX from XXXX XXXX XXXX that is violating the F.C.R.A and due process of federal law which is adversely affecting my credit rating. A dispute was filed and TransUnion verified information as accurate and updated the account information. A copy of the consumer 's TransUnion report is incorporated for review to see all errors and discrepancies. Said errors and discrepancies are as follows :. XXXX. TransUnion is reporting this account as a open account under Account type. This is incorrect and false information. XXXX XXXX XXXX is a collection agency and not the original creditor or a creditor. XXXX XXXX XXXX can not extend credit to anyone and should not be reporting a open credit type with anyone and should not be reporting any type of account except collections. Also I have no agreements with this company period. Further more, no collection account should have a account type as open. This is a violation and by them reporting this account as open is incorrect and false. XXXX. This account is reporting a balance and past due amount. I have no agreements with XXXX XXXX XXXX in any way and since XXXX XXXX XXXX is not a creditor, there should be no payment history to report. Further more since, XXXX XXXX XXXX is not a creditor or original creditor, they can't report an account as past due or current. This is a violation. XXXX. Date account closed is missing. XXXX. Date account closed is missing. XXXX. Date of last activity is missing. XXXX. Date last verified is missing. Errors XXXX through XXXX also make report incomplete and unverifiable.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I sent a Certified return receipt letter to EQUIFAX Credit reporting agency ( See attached document ) regarding two unauthorized hard inquires on my credit report. The two unauthorized hard inquires are from : 1 ) XXXX XXXX XX/XX/2023 2 ) XXXX XXXX XX/XX/2023 On XX/XX/2023 I sent a Certified return receipt letter to XXXX XXXX XXXX XXXX ( See attached document ) regarding four unauthorized hard inquires on my credit report. The XXXX unauthorized hard inquires are from : 1 ) XXXX XXXX XXXXXX/XX/2023 2 ) XXXX XX/XX/2023 3 ) XXXX XXXX XXXXXX/XX/2023 4 ) XXXX XXXX XXXX XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: GA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance XXXX {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/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 2023-07-24 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 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

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt.

Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections

1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt. 
Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal.

Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act. 
What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing. 
I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them. 
I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-07-24 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: FL

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, a consumer reviewed my credit profile on XX/XX/23 and Identified a discrepancy with account listed under CREDIT COLLECTION SERVIC and validation was requested as this was an account I did not recognize. I reviewed my report again on XX/XX/23 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Pursuant to 15 USC 1682g. I requested that they provided me with verification of this alleged debt, no documentation was provided. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


According to the 15 USC 1681 law, there should not be any damages on my report as this defamation to my character. Please remove all fraudulent accounts immediately.

I hereby inform that this company does not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitues aggravated identity theft. I also did not provide consent for them reporting information in my name to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation