vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completes of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Violation of FCRA 30-Day Policy by Lexis Nexis CFPB Case Number : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Lexis Nexis for their handling of my claim regarding inaccurate data on my Lexis Nexis profile and the subsequent violation of the Fair Credit Reporting Act ( FCRA ) 30-day policy. 

On XX/XX/XXXX, I submitted a claim to the CFPB concerning inaccurate information on my Lexis Nexis profile. On XX/XX/XXXX, I received a resolution letter from Lexis Nexis stating that some of the information would be removed while some would remain. However, the letter did not provide adequate proof or documentation for the information they deemed accurate. 

Two days later, on XX/XX/XXXX, I contacted Lexis Nexis to request evidence for the information they claimed to be accurate and the sources from which they obtained it. Instead of providing the requested documentation, Lexis Nexis informed me that they had initiated a new investigation into my profile. 

According to the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to complete their investigation within 30 days of receiving a dispute. Instead of adhering to this regulation and removing the inaccurate information, Lexis Nexis closed the initial investigation with the CFPB and reopened a new one, effectively circumventing the FCRA 's 30-day policy. This action constitutes a clear violation of the FCRA. 

Additionally, Lexis Nexis ' failure to provide documentation supporting the accuracy of the disputed information is a violation of the FCRA 's requirement for consumer reporting agencies to provide consumers with any information used in the investigation ( 15 U.S.C. 1681g ).

Moreover, Lexis Nexis ' practices may also violate the Consumer Protection Act, which mandates fair and transparent handling of consumer information and requires consumer reporting agencies to ensure the accuracy and integrity of the information they report. 

Given these violations, I am seeking immediate corrective action to address this situation and to ensure that the inaccurate information is promptly removed from my Lexis Nexis profile. I kindly request the CFPB 's intervention to enforce compliance with the FCRA and the Consumer Protection Act and to hold Lexis Nexis accountable for their actions. 

Please let me know if any additional information is required to process this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Mortgage Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX Account XXXX : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX  Account XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX XXXX XXXXr : XXXX Reason : Inaccurate Information 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 5 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company has not provided me with any signed contract that I have with them. They have also been banned through the FTC.I have never signed any form on contract or any paperwork with this company. I have asked for communication of a 1099 and a detailed bill with no response.I have sent to them certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX Normans XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Collection Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Repossrting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license XXXX documentation o A self-attestation that you I am a victim

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ).

Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount.

2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges.

3. Any documentation showing your legal right to collect on this debt.

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. 

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day validation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} - Charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal closed my longterm account and took my money that was in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Tranunion reports an account -XXXX XXXXXXXX XXXX XXXX # XXXX, that is not accurate. XXXX & XXXX DELETED THE ACCOUNT IN XXXX completely off my credit file. Transunion still reports the account fraudulently reading VOLUNTARY SURRENDER which is not accurate XXXX XXXX HAS BEEN FILED IN A BANKRUPTCY-along with reading a XXXX balance, XXXX XXXX XXXX has continuously to charge a monthly fee for two years on my credit file degrading my credit history as a XXXX female woman, this has prevented me from pursuing lower credit card limits and other financing. I need assistance to them discriminating against me. CREDIT ACCEPTANCE HAS REFUSED TO REMOVE THIS ITEM OFF MY FILE AND DAMAGED MY CREDIT FOR THE LAST 7 YEARS .TRANSUNION HAS FAILED TO EVEN UPDATE THE ACCOUNT TO READ FILED IN XXXX  XXXX IT STILLS READ REPORTING AS OF TODAY XX/XX/XXXX VOLUNTARY SURRENDER THIS IS FRAUDULENCE, AND NO ONE HAS CONTACTED S IS THE MAIN REASON FOR THIS COMPLAINT.

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to formally lodge a complaint against [ MIDLAND CREDIT MANAGEMENT INC ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of 12 CFR 1006.34.

Summary of Violations : 1. Failure to Provide Validation : [ MIDLAND CREDIT MANAGEMENT INC ] has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims.

2. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The lack of validation has prevented me from appropriately addressing the validity of the debt.

3. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws.

4. Unauthorized Reporting : [ MIDLAND CREDIT MANAGEMENT INC ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating 12 CFR 1006.34 ( d ) and USC 1681s-2 ( a ) ( 7 ) ( A ).

Dispute Declaration : I hereby dispute owing {$410.00} to [ MIDLAND CREDIT MANAGEMENT INC ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner.

Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ MIDLAND CREDIT MANAGEMENT INC ] and the original creditor.

Any documentation that demonstrates their authority to collect on this alleged debt.

Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from Experian stating they validated the bankruptcy and stated they will not remove it from my credit report however they never submitted any proof in written per FCRA law 604 ( a ) that the bankruptcy company reports to them. I have disputed this several times I sent this letter below to them I am writing to formally request validation of the bankruptcy that is currently being reported on, my credit file. Upon reviewing my credit report, I noticed that there is a bankruptcy listed, and I am requesting that you provide proof of the validity of this information. 
Please provide documentation that verifies the accuracy of the bankruptcy listing, including any pertinent details such as the court where the bankruptcy was filed, the case number, and the date of filing. I kindly ask that you respond to this request within the specified timeframe, I request that it be removed from my credit report immediately. Furthermore, if you respond by verifying the bankruptcy, I will provide you with documentation from the court proving that that the bankruptcy has been resolved. Upon receipt of this documentation, I demand that the bankruptcy be removed from my credit report within 15 days. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
They have not validated the bankruptcy and they are These inaccurate bankruptcy is not only damaging to my credit worthiness but also violate section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies maintain reasonable procedure to ensure maximum accuracy of the information they report. 

I demand that they remove these bankruptcies now me with a written response within 15 days, as required by law. If you are unable to verify the accuracy of the disputed information, expect to be removed from my report promptly.

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Report # XXXXRecently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>XXXX  I received a response stating that the accounts were verified on XX/XX/year>. I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.im requesting you provide me all information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) 1. XXXX XXXX  act # XXXX {$810.00} XXXX Act # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA you are required to provide me this information within 15 days or delete the information

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