vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-24 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-24 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-05-24 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've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX, I received an email from Juno informing me that international transfers would be stopped immediately, without any prior notice. Then, on Monday, XX/XX/XXXX, at XXXXXXXX XXXX, another email announced that the 5 % interest on savings accounts would be discontinued as of XX/XX/XXXX. Before I had the chance to move my funds, I received yet another email on Wednesday, XX/XX/XXXX, at XXXX XXXX stating that ACH and other banking services had been halted due to an issue with their banking provider, XXXXXXXX XXXX XXXX XXXX 

These banking services remain inactive, effectively blocking my access to the cash in my Juno account. I feel these actions have been deliberately taken to restrict my access to my funds. Despite the assurance that my funds are FDIC insured, I am unable to access my cash for any of my needs, forcing me to rely on my credit card. 

Furthermore, Juno is not paying the promised interest on the funds locked in my account. Who is responsible for covering the interest charges on my credit cards? I demand reparation in addition to immediate access to my cash. I hope my complaint is heard and that Juno XXXX, along with XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, are held accountable for their actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-24 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: AZ

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.

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 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Listen I XXXX  ; XXXX, Beneficiary of the ASSUMED NAME XXXX XXXX XXXX , the fore said name that yall credit bureaus abuse soo much.Iam the true Owner of that ENTITY, and I am asking that you remove this name XXXX XXXX XXXX , from every credit database there is!!, This is a Warning of USING MY PROPERTY AS A FINANCIAL GAIN, do not use this name and any proceeds or funds received off that ENTITY to be returned to XXXX XXXX XXXX, Beneficiary of That ASSUMED NAME, all agreements, accounts, profiles, recordings, addresses, phone numbers, etc. Without Prejudice, All Rights Reserved

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 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Listen I XXXX ; XXXX, Beneficiary of the ASSUMED NAME XXXX XXXX XXXX , the fore said name that yall credit bureaus abuse soo much.Iam the true Owner of that ENTITY, and I am asking that you remove this name XXXX XXXX XXXX , from every credit database there is!!, This is a Warning of USING MY PROPERTY AS A FINANCIAL GAIN, do not use this name and any proceeds or funds received off that ENTITY to be returned to XXXX XXXX XXXX, Beneficiary of That ASSUMED NAME, all agreements, accounts, profiles, recordings, addresses, phone numbers, etc. Without Prejudice, All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint against Midland Credit Management located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, concerning their ongoing attempts to collect an alleged debt, which they claim I owe. This complaint is prompted by multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced. 

Details of the Issue : Account Information : The alleged debt pertains to XXXXXXXX XXXX, with the account number ending in XXXX. 
Initial Contact : I was first contacted by this agency on XX/XX/year> and I received communications claiming that I owe a debt of {$3700.00} Request for Verification : On XX/XX/year>, I sent a formal request for the verification of this debt to the collection agency. This request was made in accordance with the rights granted to me under the FDCPA, specifically under 15 U.S.C. 1692g.

Lack of Response : Despite my clear request for verification, [ Collection Agency 's Name ] has failed to provide any documentation or proof that substantiates their claim or their authority to collect this alleged debt. 
Additional Transfers : Subsequently, the debt was transferred to another agency, XXXX XXXX XXXX, XXXX and then returned to Midland Credit Management. Neither agency has provided the required verification. 
Cease and Desist : I have sent a cease and desist letter on XX/XX/year>, instructing the agency to stop all communications except to notify me of their legal actions. Despite this, the attempts to collect the unverified debt continue. 
Violation Claims : Failure to Provide Verification : The agency has not suspended collection activities nor provided the debt verification as required by the FDCPA. 
Ignoring Cease and Desist : The agency has disregarded my cease and desist request, which further violates the FDCPA. 
Impact on Me : This situation has caused significant stress and inconvenience. The actions of Midland Credit Management have made me feel harassed by the calls and have invaded my personal peace, all while they have not proven that I legally owe the claimed amount. 

Requested Actions : I urge the CFPB to investigate these violations and to enforce appropriate penalties against Midland Credit Management. I also request help in ensuring that this agency complies with the FDCPA by providing the necessary verification or ceasing collection if they can not prove my obligation to this debt. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
Im writng this complaint today because experian has been violating my consumer rights. I I looked at my credit report and saw violations on all the accounts I have listed in my letters please see each attachment. I sent out these same letters on XX/XX/XXXX and got no reply and it doesn't even look like these accounts were investigated. It is their job to make sure everything is reporting with 100 % maximum possible accuracy and experian has failed that. I understand there are alot of reports to manage so it is hard to keep track but these errors need to be fixed immediately. I am requesting immediate removal please. Please investigate these accounts. I do not want to have to get the courts involved but if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Experian to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter on XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}

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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Over the past several months I have attempted to resolve this problem with XXXX in regard to a Bankruptcy that was matched to my Credit Profile. XXXX has ignored my disputes and have always responded that the information is verified. I have found that this is not true and that XXXX has continuously notated this account as verified. While doing some information I have found that LexisNexis Risk Solutions is the reseller of public record information to XXXX. On XXXX XXXX XXXX  I called LexisNexis and spoke with a representative to ask if there were any public records on my credit profile with them and if they provide bankruptcy information to XXXX. They confirmed that they do. The Representative from LexisNexis proceeded to file a manual internal dispute with XXXX in regard to the public record listed with them. On XXXX XXXX XXXX I received mail from LexisNexis that was dated XXXX XXXX XXXX giving me noticed that XXXX never responded to there dispute involving the reselling of the information that was false. I have found

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of 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 non-monetary relief
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
under the government code 15 U.S 1601 all charge off accounts MUST be removed. I want ALL charged off accounts to be removed from my credit report.

Under 15 U.S Code 1601 all Repossesions MUST be removed. I want all repossessions removed from my credit report.

Under 15 U.S Code 1602p all Hard inquiries MUST be removed. 

If these are not removed I am entitled to {$1000.00} per violation

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 2024-05-24 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: GA

Complaint narrative:
under the government code 15 U.S 1601 all charge off accounts MUST be removed. I want ALL charged off accounts to be removed from my credit report.

Under 15 U.S Code 1601 all Repossesions MUST be removed. I want all repossessions removed from my credit report.

Under 15 U.S Code 1602p all Hard inquiries MUST be removed.

If these are not removed I am entitled to {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief