vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  Account Number : XXXX  XXXX days late in XXXX XXXX 2. XXXX Account Number : XXXX  XXXX days late in XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  days late.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 
. 
XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX day late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX Account XXXX : XXXXXXXX XXXX days late in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My XXXX XXXX Access has been blocked by Ally Bank and I have $ XXXX in my 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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
CFPB + Midland Credit Management + XXXX  XXXX, On a recent review of my credit report, I discovered MIDLAND CREDIT MANAGEMENT reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - My drivers license - My social security number - My address - My letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMORGAN CHASE BANK XXXX XXXX is where my deposit accounts have been where disctrpncies are being found. Several accounts have been affected because the bank offers promotions for opening a new deposit account and therefore while taking advantage of these offers confusion has taken place. The following accounts are affected -- XXXX this is where 3 stimulus payments were to be received and I have found only one {$1400.00} -- XXXX is the next account held after the prior ending in XXXX -- and today a secured checking account XXXX -- from this the state of MI income tax refund has not been deposited from XX/XX/XXXX for the XXXX tax year. 

I have found blocks put on credit offers at this bank and get the impression the bank is controlling my personal financial interests without my consent ongoing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ENHANCED RECOVERY COMPANY the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian keeps posting the wrong balances and not posting accounts that are paid .Not removing wrong address and family names on my credit. Keep asking me to pay for info to be removed. Inquiries that should be removed have Not been removed. Info that should be added is Not being added. ALWAYS has info that is XXXX months old and decreasing my true CREDIT PLEASE HELP I HAVE BEEN TRYING TO GET A MORTGAGE BUT THEY HAVE THE WRONG INFO

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB + XXXX XXXX XXXX + Capital One, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - My drivers license - My social security number - My address - My letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: MI

Complaint narrative:
In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX informing that it was an error for it to be reported.

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear Equifax , This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation