vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Dear Credit Acceptance Corporation I am writing to request validation of the alleged debt referenced above, which you claim I owe. This is a formal request for validation made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information regarding this debt : 1. Verification of the amount owed : A complete breakdown of the debt, including principal, interest, fees, and any other charges.

2. Original creditor information : The name and address of the original creditor, along with any information on how this debt was acquired by your agency.

3. Proof of your right to collect this debt : Documents showing that you have the authority to collect this debt on behalf of the original creditor or that you have purchased the debt.

4. Payment history : Documentation showing the history of payments and any charges or credits applied to the debt.

5. Statute of limitations information : Verification of the date of the last payment on this account and whether the statute of limitations on debt collection has expired.

Please treat this as a formal dispute of the debt, and cease all collection activities, including reporting to credit bureaus, until proper validation of this debt has been provided to me in writing. 

Thank you for your attention to this matter. I look forward to receiving the requested information within 30 days. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International wrongfully put a revolving collection of what is now {$520.00} on my report. After many failed attempts at civil communication and verification of debt that resulted in being yelled at by representatives, refused services, and hung up on between the months of XX/XX/year> - XX/XX/year> ; I sent out an Objection to Collection/ Debt Validation Letter on XX/XX/year> to no avail. IQ Data International has not sent an itemized receipt and has illegally violated the Fair Debt Collection Practices Act by knowingly placing an inaccurate debt on my credit report and refusing to remove it based on evidence provided. When I attempted to contact them again on XX/XX/year> to follow up on the fax that was sent - both representatives proceeded to hang up after I mentioned the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. IQ Data International is knowingly engaging in illegal activity by purposely blocking communication regarding an incorrect mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
My XXXX XXXX XXXX that had a balance. XXXX  Garnished the balance off the XXXX XXXX  credit car from my XXXX pay. It clearly show the whole balance paid off. I call XXXX that took care of our pay, they told me it was paid off, that shouldn't be happening with my social security. I report it to the credit bureau to remove it, they still never removed it. Those people that still have it on my credit kept telling me it will stay there and accumulate interest until I pay that same debt I already pay that was Garnished from my pay again with them. 
I had provided proof off my XXXX  to the credit bureau showing the balance at XXXX after all the Garnishment. Now I have no idea what to do. They are telling me my only way to remove it from my credit is by paying them on my own again. It seems like companies have the upper hand to do whatever they want on your credit Consumer just have to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NJ

Complaint narrative:
XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccuracies and inconsistencies on XXXX and EQUIFAX and XXXX Further, the late payment histories are inaccurate/inconsistent in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER.

I have attached screen shots of the discrepancies, circled.

15 USC 1681e states : ( 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.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CO

Complaint narrative:
Hi. The inquiries that include XXXX XXXX XXXX and XXXX  XXXX  are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. XXXX has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank you.

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 2024-11-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: AR

Complaint narrative:
RECENTLY LOOKING AT MY CREDIT REPORT I NOTICED. FRAUD ACCOUNT LISTED ON MY CREDIT FILE.

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 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report due to identity theft. I am a victim of a recent data breach, and I believe the following accounts and inquiries were fraudulently added to my credit file without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to block and delete these items from my report to prevent further damage to my credit and financial well-being.

Accounts to Be Blocked and Deleted XXXX XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Opened : XXXX XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX XXXX - Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX Inquiry Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: IA

Complaint narrative:
Several years ago I went to the emergency room in XXXX XXXX, they tried to charge me out right know I did not have the funds, I wasn't properly notified until the debt went to charge off, I want it fix because it has damaged my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-04 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:
My credit score has been severely impacted by a fraudulent account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
My credit score has been severely impacted by a fraudulent account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
this company is reporting an incorrect account in my name because the debt was Paid and they have it in the collection and they do not report is closed satisfactorily.

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 2024-11-04 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: VA

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$15000.00} XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$2900.00} XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$5900.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
Re : Failure to Validate Debt Within Required Timeframe Account Number : [ XXXX XXXX XXXX Dear [ Hayt , Hayt , and Landau , LLC ], I am writing regarding the above-referenced account and judgment. On [ XX/XX/year> ], I sent a request for validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have yet to receive any response or validation from your agency, including any contract with my signature or other documentation proving this debt is valid. 

Since [ 34 ] days have now passed without any response from your agency, I must assume that no such documentation exists to support your claim. As a result, I am formally requesting that you lift any judgment related to this debt and immediately cease all collection activities associated with this account. 

Additionally, I request written confirmation, via email [ XXXX ] and/or Mail [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], that this debt is no longer owed and that it has been removed from any applicable records. Please consider this letter as a formal demand under the FDCPA to verify the cessation of any further collection efforts and to confirm the invalidity of this debt in writing. 

I have to submit this to the CFPB due to the fact your company is refusing to move promptly on my request. 

Thank you for your prompt attention to this matter. I look forward to receiving your written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief