vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: OH

Complaint narrative:
Trans union XXXX XXXX XXXX all reporting inaccurate information on my credit report for XXXX XXXX  XXXX XXXX ARE NOT REPORTING ACCURATE, SUCH AS TRANS UNION XXXX XXXX XX/XX/2018 / XXXX  reporting XXXX XXXX reporting XX/XX/2018 XXXX THIS ACCOUNT IS ALSO SHOWING A PASS " DUE BALANCE OF OF XXXX FROM XXXX AND XXXX XXXX FROM TRANS UNION AND XXXX XXXX! ALSO THE INCORRECT CHARGE / OFF DATES ARE INCORRECT LAST REPORTED DATES ARE DIFFERENT AND ALL THE DATES OF LAST ACTIVITY ARE ALL DIFFERENT PLEASE REMOVE INACCURATE REPORTING

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 2024-02-19 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 2024-02-19 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: AK

Complaint narrative:
XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX is reporting to my consumer reports that I did not express permission or permissible purpose to report. XXXX XXXX XXXX b. As a consumer I have the right to privacy pursuant XXXX XXXX XXXX, pursuant XXXX XXXX, and pursuant XXXX XXXX XXXX. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX XXXX  have reported my private information without my consent. XXXX XXXX XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures XXXX XXXX XXXX. XXXX XXXX XXXX Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section XXXX of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXXXXXX XXXX XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

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 2024-02-19 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: WY

Complaint narrative:
I am being sued for a Debt that I still don't owe. I have asked several times to have the original contract that is signed to verify it is mine. On both occasion 's I was sent statements, and Midland Credit XXXX XXXX agreement. Never have I Received a XXXX with my signature. 
Debt Buyer : Midland Credit Managment Account # : XXXX Amount : {$3500.00} I have been to court and have to go again in XX/XX/2024. Midland Credit Managment is suing me for {$3500.00} plus court cost. 
I have seen that MIDLAND CREDIT MANAGMENT is a subsidiary of ENCORE CAPITAL GROUP XXXX INC has been fined for the same thing that they are doing to me. XXXX XXXX that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I can never utilize my online equifax account and my last correspondence via mail they simply said they arent sure why it doesnt work. I submitted a request via writing to provide proof of validity for a debt along with requesting it be removed and I didnt receive a reply well past 60 days which also did not address my concerns or include the requested information. Their processes and systems seem to have the most obstacles when attempting to dispute or request info and they never reply in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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 urgently request the removal of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.

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 2024-02-19 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: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report A convergent account has violated my rights. Account : XXXX XXXX XXXX. The credit bureaus stated my account was properly investigated but how is that possible if the account number is inaccurate, the account status is inaccurate, payment status is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and also the date of last payment is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have attached images of the inaccuracies being reported on 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 2024-02-19 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I was looking at my credit profile and noticed there was inquiries that are not mine

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 2024-02-19 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: SC

Complaint narrative:
Simply fix and make my report accurate.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Simply fix and make my report accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this account from XXXX XXXX has been affecting my credit report for years now. ive already attempted to dispute this account because it is not mine. please provide to me account level documentation of said debt. I something with the original contact with my wt signature and all detail proven that I owe this debt. as I mentioned before this about has been drawn to my attention because its not mine. provide me with documentation with 30 days or les that I owe this debt. if this information can not be provided in a timely fashion deleted it from my credit now. 

the credit reporting agencies are violating my rights as a consumer by reporting this most after month after month thats hiring my financial situation right now especially trying to buy a house for me and my family. pursuant to 15 usc 1683e this account is violating my rights under federal law. 


XXXX XXXX has violated 15 usc 1681n

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 2024-02-19 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: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX  LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX  LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.

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 2024-02-19 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: FL

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.

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 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. USDOe/XXXX  Account # XXXX is old and is reporting 14 years on my credit report. 

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. USDOE/XXXX  actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX/GLELSI have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX/GLELSI has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX/GLELSI Account XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. USDOe/XXXX  Account # XXXX is old and is reporting 14 years on my credit report. 

USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. USDOE/XXXX  actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account 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 2024-02-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF ED/XXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX XXXX  Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX FACT Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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.

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 2024-02-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name XXXX U S DEPT OF EDUCATIONXXXX Account XXXX XXXX  XXXX Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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.

Company response to consumer: Closed with non-monetary relief