vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WestLake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Removal of Late Payment Record Account XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/year> and XX/XX/year> do not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with WestLake Financial SVC and have made all my payments on time, I believe may have been an error or the result of a delay in payment processing.

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 2024-09-25 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: MD

Complaint narrative:
For months, these accounts have been showing up on my credit report, and its been incredibly stressful. Im simply asking that you verify whether or not these accounts are actually mine. The errors have lowered my credit score and blocked financial opportunities, making it harder for me to achieve my goals.

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 2024-09-25 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: SC

Complaint narrative:
I am writing regarding accounts that have been reported to the credit bureaus by your agency or company under my name and Social Security number. These accounts are currently reflected in my credit report, but I have not received a 1099-C form indicating any cancellation of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the regulations set forth by the Internal Revenue Service ( IRS ) under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more of debt has been canceled or discharged. Failure to provide this document within a reasonable period constitutes a violation of both federal regulations and reporting accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In accordance with the FCRA, I am requesting validation and verification of the reported debt, as required under 15 U.S.C. 1681i ( a ). If your agency has discharged or forgiven any portion of the debt, you are legally obligated to issue the necessary 1099-C form to me and report this accurately to the credit bureaus. If you are unable to provide the necessary documents, including a valid 1099-C, within the required timeline, failure to do so will be treated as a violation of federal law and could be considered fraudulent reporting under 18 U.S.C. 1341.

Please take immediate action to remove the incorrect and unverifiable accounts from all consumer reporting agencies in compliance with the FCRA, 15 U.S.C. 1681s-2 ( a ). Additionally, I demand that you immediately cease all collection efforts related to these accounts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq, until proper validation has been provided.

Failure to comply with these requests will leave me with no choice but to pursue all available legal remedies, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

Please respond in writing within 30 days of the receipt of this letter to confirm the removal of the accounts and/or provide the requested 1099-C form.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: SC

Complaint narrative:
I am writing regarding accounts that have been reported to the credit bureaus by your agency or company under my name and Social Security number. These accounts are currently reflected in my credit report, but I have not received a 1099-C form indicating any cancellation of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the regulations set forth by the Internal Revenue Service ( IRS ) under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more of debt has been canceled or discharged. Failure to provide this document within a reasonable period constitutes a violation of both federal regulations and reporting accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In accordance with the FCRA, I am requesting validation and verification of the reported debt, as required under 15 U.S.C. 1681i ( a ). If your agency has discharged or forgiven any portion of the debt, you are legally obligated to issue the necessary 1099-C form to me and report this accurately to the credit bureaus. If you are unable to provide the necessary documents, including a valid 1099-C, within the required timeline, failure to do so will be treated as a violation of federal law and could be considered fraudulent reporting under 18 U.S.C. 1341.

Please take immediate action to remove the incorrect and unverifiable accounts from all consumer reporting agencies in compliance with the FCRA, 15 U.S.C. 1681s-2 ( a ). Additionally, I demand that you immediately cease all collection efforts related to these accounts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq, until proper validation has been provided.

Failure to comply with these requests will leave me with no choice but to pursue all available legal remedies, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
Please respond in writing within 30 days of the receipt of this letter to confirm the removal of the accounts and/or provide the requested 1099-C form.

Thank you for your prompt attention to this matter.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 16B1c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, also another personal loan at XXXX XXXX XXXX Acct on XX/XX/XXXX under the account number XXXX XXXX and last but not least a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hand inquires a s reported. The aforementioned accounts, collections and hard inquires reporting on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of hard inquiries identity theft and fraud. 1have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: PA

Complaint narrative:
This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I checked my report, as I always do, and suddenly these discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Now, Im left worrying, and I ask that the documents I submitted be reviewed carefully so I can put this behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( s ) : XXXX  XXXX XXXX, XXXX - XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX 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 non-monetary relief
Consumer complaint received 2024-09-25 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Clients Need to Dispute : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Open : XXXX XXXX, XXXX Balance : {$0.00} - XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXXXX 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 Account Number XXXX Date Open XXXX XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Open : XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection

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 2024-09-25 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XX/XX/2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge XXXX to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps XXXX will take to rectify this situation for its victims.

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 2024-09-25 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XX/XX/2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge Equifax to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps Equifax will take to rectify this situation for its victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: Toyota Credit De Puerto Rico Corp.
State: PR

Complaint narrative:
Dealership : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Disputing Information in Credit Report - Hard INquiry I am writing to dispute the following information that your company supplied to XXXX. The item " XXXX XXXX '' ( date : XX/XX/2024 ) is inaccurate because I only discussed the pricing of the vehicle. I was very clear that I was not talking about financing until I agreed on the price, and I did not sign nor verbalized any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MO

Complaint narrative:
The late payments listed do not correspond with my typical payment record.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have identified incorrect information on my credit report that has been repeatedly verified by XXXX, XXXX, and Equifax as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted all three Credit reporting agencies regarding the fact that my personal private information was disclosed on report This letter is per the FCRA as a Federally protected consumer per 15 USC 1681. I am now opting out of any and all authorization I the consumer may have given you in the normal course of doing business that gave any written unwritten verbal and non- verbal consent. Pursuant 15 USC 6802 my right to opt out was never extended to me, as well as potential violations of 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6508,16 CFR 313.1, CFR 433.1-433.2. The Banking Act of 1937, The Privacy Act of 1974. 
The following accounts listed below all have been found to be in violation of Federal law that protects of release of my nonpublic personal information to non-affiliates as a result of my internal investigation as well as numerous inaccuracies of credit file # XXXX XXXX, report # XXXX, Report # XXXX, Report # XXXX, Report # XXXX. XXXX, XXXX, TRANSUNION, EARLY WARNING SERVICES are all third-party affiliations of the following corporations. 
I hereby demand validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation ratified by me. 
I hereby demand that XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account profile updates pending the investigation of any evidence you are instructed to update any detrimental information to paid as agreed. 
Thank you kindly, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Maryland XXXX Cc : Consumer Financial Protection Bureau Cc : XXXX 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 non-monetary relief