vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I recently received a copy of my ( EXPERIAN ) credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # - XXXX XXXXXXXX XXXX Account # - XXXX EXPERIAN is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information sole
ly as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EXPERIAN ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance contacted me about paying on a personal loan in my name. I did not take out a loan. This was a fraudulent loan based on a scam. 
XX/XX/2022 I submitted fraud packet with Police Report to Regional Finance for a loan they said was issued in my name for {$2100.00} effective XX/XX/2022. They gave me a copy of a cancelled check that does not match my signature, phone number, or texas driver 's license number. I have contacted Regional Finance numerous times to have this account removed from my credit report and as of today 's date, XX/XX/2022 it is still showing and now is reported as past due negatively impacting my credit score. 

The local Regional Finance office says it has no record of the loan and it is now with their corporate office who states it will be at least XX/XX/2022 before they finish their investigation. This company is reported numerous times on XXXX  for this same fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
Complaint to Midland Funding, LLC and subsidiaries Complaint to Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I have explain several times to company, about account ID Theft, I denied account not mines company continues molesting me and forcing me to account that Is not mines Company list account transaction, thats no proof, they are using my social security number in letters company sends to me, in the event letter ends in other hands due to Midland Funding LLC and subsidiaries I will have another ID Theft issue due to them someone got my private information that is what happen, company is cooperating that my private information leaks and they will be responsible, they are informed. 



I denied account, MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) Find enclose XXXX XXXX XXXX XXXX Account number XXXX Original account number XXXX ID Theft report was filed an sent to your company, your company continues harassing and causing me damages in addition to court matter. 
On letter dated XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, Refering to MCM no. XXXX which belongs to account ending in XXXX ) and other account XXXX. .find attached letter Additionally, we have made the business decision to close the account, There will be no further collection activity or sale of this account Both accounts mentioned on your letter MCM Account number XXXX original account number XXXX And account XXXX. 

Send me a confirmation letter as for each of the accounts 1- MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) and for account XXXX. 
There will be no further collection activity or sale of this account, Please dont XXXX me anymore in Court or any other means, I DENIED ACCOUNT XXXX, Account not mines and account XXXX. 
I sent letter on XX/XX/2022 XXXXTo Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX AS of todays date XX/XX/2022 you have ignore my correspondence to delay matter purposely and cause me more problems .find attached letter Im requesting your company to withdraw case from XXXX XXXX XXXX XXXX court case number XXXX, Within XXXX business days from this complaint You have been also sued by Consumer Financial Protection Bureau on XXXX for violations an ill-gotten gains. find enclose page Your corporation has continue molesting me and picking on me I denied accounts, ID Theft report Issue, stop the collection of both accounts, Midland Credit Management MCM Account number XXXX Original account number XXXX and account XXXX. 

Please I request to have this case completely withdrawn as ASPA I want this complaint to be publish for consumer safety Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: PA

Complaint narrative:
On XXXX I filed a complaint against TransUnion requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days.TransUnion has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .TransUnion has fail to provide me proof of verification so at this time I ask that you step in and have them delete this fraudulent accounts .Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer 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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I noticed on my credit report in XX/XX/2022 that there was a card issued to me from Avant/Webank . I called them and they said a credit card was issued in my name to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They sent me the Affidavit paperwork in the mail but I have had multiple questions for them and every time I call them they hang up on me. They said the card was issued but because I called they never sent card out. However, I havent been able to have them verify. I also would like to have inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 30 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. 

XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 60 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. I was advised to contact the credit bureaus. I filed a dispute with all three credit bureaus on XX/XX/2022. 

Dispute came back stating Credit card was verified and correct on XX/XX/2022. I contacted Experian credit burau to get further guidance. They put a fraud alert on my credit report and informed me to file an FTC claim.

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Was denied multiple times for personal loans, business lines of credit, and business loans. My Fico score on the most recent inquiry was XXXX and they denied me any amount for any type of loan, my business had been up, profiting, and established over the minimum " 2 years '' they asked me about criminal history, and I disclosed transparently that I had no law involvement in over 8 years. To all modern standards I should qualify for anything I desire based off credit and income. Recently XX/XX/2022 I noticed they have been taking money out of my account for " service fees '' for the last 2 months, i asked them about it and their response was " sorry sometimes the system changes it back on its own '' I couldn't help myself by laugh because how does one change paper to E statements on an established account that has never since day 1 had paper statements. My ambition is too sue them for discrimination and fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # XXXX has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}

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 2022-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express Serve Pre-paid Card The pending transaction becomes a posted transaction yet Serve will not release the hold/pending transaction. I discovered this recently as I was alerted my card was in the negative. When I looked, I had pending and posted amounts for the same transaction. There were two transactions. One each to XXXX and one to XXXX XXXX lines. I called Serve and they told me that when the merchant finalizes the transaction, the pending/holds will go away. I questioned this because both transactions had posted. The posted amounts matched the final amounts as expected ( slightly different from the hold/pending amounts ). I am having the same issue once again with a restaurant transaction. In looking at reviews, it seems this is a common practice for Serve Prepaid cards and that a number of other users have had this same issue. To me as a consumer, it doesn't feel right. Either it's posted or pending. Not both. Their response is that it can take up to 30 days to clear out the pending. How can that be legal if the transaction has already posted? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
LexisNexis is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such. 

I've also have filed a complaint with the XXXX XXXX State Attorney Generals office. As this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Late XXXXXXXX XXXX 2022 someone stole mu social security number somehow and opened up lines of credit in my name. One company is Affirm. They seem to have no interest in helping me. They claim the fraud department is looking into it but I continue to get emails claiming if I don't pay they will report it to my credit. They told me I had to fill out a form yet they refuse to email it to me. I have had several phone calls with them and I get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CADENCE BANK
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MN

Complaint narrative:
The following accounts and balance listed on my Experian and XXXX credit report are lost/stolen and fraudulent transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OK

Complaint narrative:
Company : I.Q. Data International, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I.Q. Data International failed to comply with FDCPA 15 USC 1692g, Section 809 ( b ) as I formally requested debt validation. 

Details : ( 1 ). I.Q. Data placed a collection account on my credit report on XX/XX/XXXX, prior to sending a debt letter to me. This is a collection action. 
( 2 ). I received a written debt letter from I.Q. Data dated XX/XX/XXXX stating I had 30 days to respond ( Enclosed ) / ( 3 ). On XX/XX/XXXX, I generated a formal dispute letter for debt validation. I faxed my formal dispute letter to XXXX as stated on the debt letter. ( Fax confirmation of receipt on XXXX/XXXX/XXXX attached )./ ( 4 ). On XX/XX/XXXX. I sent that same formal dispute letter for validation to I.Q. Data via certified mail to the address for written disputes as stated within the debt letter ( Copy of certified mail return receipt and tracking information included )./ ( 5 ). As of XX/XX/XXXX, I.Q. Data has not formally validated this debt./ ( 6 ). This debt was formally disputed with XXXX XXXX prior to referring to the collector./ ( 7 ). The amount due on the collectors demand letter is different than what my internal XXXX account reflected. My internal account reflects a {$0.00} balance. 

I have been harmed as this collection item had an adverse effect on my insurance rates and home purchase goals. 

I believe this is a willful violation of FDCPA 15 U.S. Code 1692k. 

XXXX.Q. Data International has well over 250 complaints listed with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and XXXX XXXXXXXX, XXXX XXXX as well as XXXX XXXX has fraudulent information 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 2022-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The company is Capital One. They are continuously reporting inaccurate late payment information on all three credit bureaus. I have written 3 letters to Capital One and 4 letters to XXXX, XXXX, and XXXX. Each time I get the response Account Verified as Accurate. I know No proper investigation is being done because the same inaccurate information is on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I recently received a copy of my TRANSUNION credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ TRANSUNION ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

TRANSUNION HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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