vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Investigation is past 30 days, you are now in violation. requesting XXXX XXXX XXXX $ for each account. Or the removal of each account Cfpb complaint : XXXX Was sent XXXX. Today is 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had recently had a collection that was reported to my Transunion report. The account named was XXXX XXXX for the amount of XXXX . Ive already worked with the collection agency and sorted this information with them and the have sent me confirmation that the sent a request to have this collection removed from my Transunion report. Transunion has not removed this collection yet and it has been past 30 days

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 2024-04-17 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX has violated my rights. Or a 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 2024-04-17 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
I disputed a XXXX XXXX  account with transunion on XXXX the XXXX 2023. I still have not heard back and it has been longer than 30 days. This violates my rights.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-17 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Around XX/XX/2023 I was notified via email that changes to my XXXX information had been made. When attempting to log-in, I had found that my username had been changed. Unable to manually rectify that as I was unable to gain access to the account, I tried getting a hold of an XXXX Representative. They were the ones who confirmed that my User Name had been changed, but that I was currently locked out and that I would need to wait a few days before I could resolve anything. This happened a couple more times, before finally a competent representative was able to get me access to the account. Not seeing anything, I then just placed a Freeze on it. 

Not too long afterwards, I received a number of mail notifications for accounts that were attempted to be opened under my name through use of Identity Theft. I was able to get most of the accounts closed except for two, a XXXX and a XXXX XXXX  XXXX Eventually the XXXX one was resolved after it was sent to collections and I provided them with relevant information that the account was opened fraudulently, they never impacted my Credit. The XXXX XXXX  one however, is still showing as a hard inquiry on my XXXX Credit Report and impacting my score. 

I have attempted multiple times to get this resolved, I've even hired a Identity Theft Restoration Specialist through XXXX XXXX to assist. In late XXXX, I was notified that the account had been sent to Midland Credit Management, a collections agency, on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Speaking with them, I explained the situation, mailed them relevant information, and they have since closed the account and ceased collections. However the hard inquiry remains and after speaking with someone at XXXX, they claim that Midland is the one who needs to remove, but Midland is also saying that they don't. Regardless, the account is no longer valid and someone needs to do their job and remove it from my report. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I received mail from my XXXX  that the law firm Kenosian and Miele, LLP attempted to garnish wages. The first time I contacted this law firm after receiving the documents from my employer I was told by their representative/employee XXXX XXXX that I had been sued by them for a past debt that I owed to XXXX XXXX XXXX  XXXX I was told that this past debt was in the amount of XXXX, XXXX this was supposedly from XXXX according to XXXX XXXX. The amount that Kenodian and Miele, LLP has obtained a judgement against me for was XXXX dollars. According to XXXX XXXX the dept that I owe has become this high due to interest and fees accrued. Who added these additional fees and interest is unclear to me. XXXX XXXX XXXX  is no longer in business. I attempted to contact XXXX myself to make sure that I actually owe them a dept and the number is no longer in service.This is the information where I attempted to contact XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX. 
Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Web site : XXXX XXXX XXXX Now remember Kenosian and Miele, LLP is claiming that I owe them money based on an old credit card from XXXX. XXXX was sold to XXXX  XXXX in XXXX of XXXX. According to the XXXX XXXX Superior Court website Kenodian & Miele, LLP filed a judgement against me in XXXX. This was the first filing I guess. They have been filing ever since for a total of 17 years!!! Each time adding fees and " interest '' on a debt I don't even owe. It gets even better because XXXX themselves even lost a class action suit for unethical financial practices and had to pay their consumers about XXXX XXXX dollars total. So maybe XXXX actually owes me a check if this debt is real? 
So today ( XX/XX/XXXX ) I contacted Kenosian and Miele, LLP to gather more information about the so-called dept that I owed. I spoke with one of their representatives by the name of XXXX. She declined to give me her last name stating " I am the only XXXX in the office ''. She reports that I now owe them XXXX, XXXX and they will be attempting to collect this debt by attempting to garnish my wages, or levy my bank account. She did not tell me the amount of the original dept, and maybe was not aware that XXXX no longer exist, and was actually sued in a class action suit. She did claim however that they are collecting on the behalf of XXXX XXXX XXXX XXXX -- I am unable to find contact information on this agency. When doing online research about Kenosian & Milele, LLP I found that I am not the only victim of their scams, they have done this to several other consumers and was even sued and lost to a consumer in XXXX. 
I can only imagine the emotional and financial damage and stress this " law firm '' has caused its victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my continued concern regarding the outdated bankruptcy that is inaccurately appearing on my credit report. Despite previous disputes and requests for removal, the bankruptcy remains listed on my report, significantly impacting my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: EQUIFAX, INC.
State: CA

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. 

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 explanation
Consumer complaint received 2024-04-17 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:
THE ACCOUNT LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I bought a phone through XXXX XXXX XXXX XXXX and set up payments with XXXX XXXX the phone company in charge of the loan. This account never got paid and no one reached out to me to alert me of the delinquent payments. No attempts were made by XXXX XXXX  to contact me and no attempts from security credit services ( the debt collector ) have been made to contact me. By the fair credit reporting act this is unlawful and should be removed. I should also be given a fair chance/ ability to contact my debt collector to remove this from my reporting. This action is the most deceitful I have ever seen considering they also state the account was made XX/XX/XXXX yet I made this account last year in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Last 2 times I called : Nelnet XX/XX/24- said would mail ( received only past 2 years of payments ) XX/XX/24 - Said I need to wait 14-18 weeks to receive information as they don't have it currently. ( Last time they said this, I waited and again only got back 2 years worth of history, not the history of the entire loan ). 

XX/XX/24 - US Department of Education stated they do not have this information and the servicer does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed for bankruptcy XX/XX/2023 and listed XXXX  XXXX as one of my creditors. All of my debt has been discharged including XXXX  XXXX credit card. On my credit report, XXXX XXXX is listed under discharged under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of discharged to bankruptcy. This is called double reporting and is a violation. I spoke with XXXX  XXXX and mentioned that this should be removed from my credit profile because its already been listed as discharged from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about 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 2024-04-17 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 : It also states a consumer reporting agency can not furnish an 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 or 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 data 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