vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I began questioning this organization in XXXX XXXX XXXXXXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Transunon and XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC
State: NJ

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX. I took out the loan with Greensky in XX/XX/XXXX. During the entire bankruptcy, I made timely payments to Greensky, never missing a payment. In XX/XX/XXXX, we paid off the loan in full which was 7 years early ( loan was a 12 year term and was paid in 5 years ). 

My mother was originally impacted on her report but was eventually fixed by Greensky. This loan was reaffirmed as payments were sent from my checking account ( ending in XXXX ) each month for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX Experian and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. 

SEE ATTACHMENTS

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 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Let it be known that I XXXX XXXX am acting on my own behalf. On XX/XX/XXXX, I XXXX Accounts Receivable Technologies illegally reported a negative collection account on my consumer reports in the amount of {$2800.00}. I have never willingly entered into a contractual agreement, spoken to, or done any business whatsoever with Accounts Receivable Technologies. 

On XX/XX/XXXX the CFPB 's new debt collection rule became effective stating that The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. Accounts Receivable Technologies disrupted my workday with phone calls as well as advised me that the collections will be negatively reported to my consumer report if not paid in full within their timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF ED/XXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: IN

Complaint narrative:
Please see attached documents showing schedule of debtors and the collection account. 
This was discharged in the XXXX  XXXX bankruptcy. 
The date of original debt is XXXX, you have to include ALL debt in a XXXX. 
The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. 
This is criminal behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Experian : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 2022

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to Equifax, XXXX, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are still showing that they are open with a balance and missed payment history. See attached credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please see attached documents showing schedule of debtors and the collection account. 
This was discharged in the XXXX  XXXX bankruptcy. 
The date of original debt is XXXX, you have to include ALL debt in a XXXX. 
The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. 
This is criminal behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are still showing that they are open with a balance and missed payment history. See attached credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They have been calling almost constantly every day, especially at work. They are looking for a XXXX, who may be my brother, and assuming he lives with me. I told them to stop calling my number and I would report them. They show up on call waiting as Midland Credit, and have been using different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is showing that I work at XXXX XXXX  which I left in XXXX. Also It shows that I work at XXXX XXXX XX/XX/XXXX. I currently work for XXXX XXXX XXXX. I would like this information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and Equifax at the disputing it multiple times can't get it right. I even have had Equifax say it would be removed and it just hasn't came off yet and it's now XXXX months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiry on XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX GA XXXX Inquiry on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Inquiry on XX/XX/2021 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