vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: AL

Complaint narrative:
I dispute this Equifax-reported collection from XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX  ) based on the following violations of federal law : LEGAL GROUNDS FOR DISPUTE : XXXX. INVALID DEBT COLLECTION PRACTICES ( 15 USC 1692e ) - No signed agreement exists with XXXX XXXX - Only possible signature was an emergency room digital pad - Collection agency can not produce valid proof of debt - Dates on collection have been altered multiple times, violating FDCPA Section 807 ( 8 ) regarding false representation of debt XXXX. HIPAA VIOLATIONS ( 45 CFR 164.502 ) - Protected health information disclosed without authorization - Violation of HIPAA Privacy Rule 45 CFR 164.508 requiring specific authorization for disclosure - Medical information shared with third parties without valid consent - No evidence of Business Associate Agreement allowing information transfer XXXX. XXXX XXXX XXXX  ( Restatement ( Second ) of Contracts XXXX ) - Contract formation during medical emergency is void - Signatures obtained under duress are not legally binding - Emergency Medical Treatment and Active Labor Act ( EMTALA ) protections apply - No capacity to form valid contract during medical emergency XXXX. FCRA VIOLATIONS ( 15 USC 1681 ) - Equifax failed to follow reasonable procedures ( 1681e ( b ) ) - Reporting information known to be inaccurate ( 1681s-2 ( a ) ( 1 ) ) - Failed to properly investigate dispute ( 1681i ) - Continued reporting of unverifiable information RESOLUTION REQUESTED : Immediate removal of this account from credit report as it is invalid and unverifiable under FCRA 1681i ( a ) ( 5 ). This account should be deleted as : - No valid contract exists - Collection violates HIPAA Privacy Rules- Any alleged agreement was obtained under duress - Documentation contains material alterations - Collection agency can not provide original signed agreement I am submitting this under " This is not my account/I am not responsible for this account '' as I never established any valid contractual relationship with this collection agency. The fact that dates have been altered on this account further supports this position and suggests potential violations of FDCPA 807 regarding false representation of debts. 

And I just noticed that XXXX describes themselves as the original creditor which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX  XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF XXXX XXXX AND XXXX XXXX  PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB

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 2024-11-16 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX  EXP XX/XX/year> XXXX XX/XX/year> 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 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Company has repeatedly attempted to coerce me into paying a debt that is unrecoverable as Ive been on ssdi for multiple years, and have no assets not even a car. Theyve continued to use the legal system to harass me knowing that I can not afford to legally defend myself, attempting to take funds they are legally not allowed to seize. 

This is in addition to previously serving court documents inappropriately, such as sending by regular mail, and sending unprocessed paperwork as a vague legal threat ( we havent filed this yet, but it says youre gon na lose so you better pay up ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXXXXXX XXXX XXXX  Account XXXX XXXX  Date open : XX/XX/XXXX Balance : {$680.00} - Collection EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$300000.00} -Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My husband and I filed a claim for fraudulent activity for transactions we did not make with US Bank. They did not provide a provisional credit. Instead, they froze funds in all three checking accounts, and they did not honor our mortgage payment. They refuse to return our money in all accounts to us until after they complete an investigation and close all accounts which could take 90 days, meanwhile our mortgage payment can not be made and will cause a late payment on my credit report. We have filed a police 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 explanation
Consumer complaint received 2024-11-16 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: OneMain Finance Corporation
State: NY

Complaint narrative:
One main financial is stating that I have a closed loan that is was taken XX/XX/2021 but I am unaware of this loan I tried disputing it multiple times from being on my credit report I have also contacted them to provide me with proof of paperwork of the loan that I have haven't received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I'm requesting that these accounts to be deleted. I've been challenging these bogus and erroneous accounts. I also attached an FTC in my previous disagreement, which I am also attaching to this one.

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 2024-11-16 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: FL

Complaint narrative:
I'm requesting that these accounts to be deleted. I've been challenging these bogus and erroneous accounts. I also attached an FTC in my previous disagreement, which I am also attaching to this one.

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 2024-11-16 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: GA

Complaint narrative:
I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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 2024-11-16 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: GA

Complaint narrative:
I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF XXXX XXXX AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB

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 2024-11-16 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Company reporting on my account. 
Company reporting charge XXXX XXXXXXXX off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 E B

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company reporting on my account. 
Company reporting XXXX XXXX XXXXXXXX off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 E B

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For changing off or writing off the account no 1099 c sent for taxes IRS filing 15 USC 1681 XXXX  company still reporting on my account this is proofs of inaccuracies of this account.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For changing off or writing off the account no 1099 c sent for taxes IRS filing 15 USC 1681 EB company still reporting on my account this is proofs of inaccuracies of this account.

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 2024-11-16 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my XXXXture on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX  XXXX  XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : $ 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 2024-11-16 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: DE

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request that the accounts and inquiries listed below be blocked and permanently deleted from my credit report. I have been a victim of a data breach, and my personal information was used to create unauthorized accounts and inquiries without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and removed from my credit file. 
XXXX Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: VA

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts.

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 2024-11-16 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: VA

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts.

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 2024-11-16 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: GA

Complaint narrative:
I am a victim of a data breach that has resulted in unauthorized accounts and inquiries being reported under my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I formally request that the following accounts and inquiries be blocked and removed from my credit report immediately. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX  XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX Inquiries to Be Blocked and Deleted : XXXX  XXXX XXXX  XXXX  - XX/XX/year> XXXX/XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XXXX XXXX/XXXX  - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX  XXXX XXXX  XXXX  - XX/XX/year>

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 2024-11-16 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX {$130.00} Charged off XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-11-16 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: FL

Complaint narrative:
I'm requesting that these accounts to be deleted. I've been challenging these bogus and erroneous accounts. I also attached an FTC in my previous disagreement, which I am also attaching to this one.

Company response to consumer: Closed with non-monetary relief