vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and Equifax, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-11 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: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debts in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated them and the banks also approved of updating the status of the accounts to open/closed never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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 non-monetary relief
Consumer complaint received 2024-04-10 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$530.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$530.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
Equifax is reporting errors in my credit file and is affecting my life. 
XXXX XXXX - Account is reported as closed in XXXX and pay as agreed all year XXXX, and XXXX. Account must be removed for inaccuracies and is in violation of FCRA. 

XXXX  XXXX XXXX  XXXX Account is reported as pay as agreed in payment history but payment status is reported as 120 days late. As FCRA account can't be reported late and pay as agreed at the same time. DELETE ACCOUNT. 

XXXX XXXX XXXX XXXX  Account is reporting as XXXX late payment but Equifax and creditor is unable to comply with XXXX15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! 
Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form UNIFUND CCR LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I noticed a negative reporting accounts on my credit reports. XX/XX/year>, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for this company XXXX XXXX and Lockhart , Morris & Mont for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA XXXX. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and XXXX failed to mark

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I'm a victim of identity theft I uploaded all supporting documents below.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. The Creditors PYOD LLC, XXXX XXXX & LVNV FUNDING are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXXXXXX XXXX and XXXX XXXX The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

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 2024-04-10 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 not associated with these creditors, nor did I start the investigation. Kindly immediately have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I recently receive the copy of my recruiter report. And I noticed that some information was not reporting accurately. I Have one late payment on my account that I infact paid on time. The consumer reporting agencies must report all information accurately. I have not missed payments on this account, I've attarched a copy of my credit report to this complaint with the following date of XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with record showing that I had a late payment. If this information can I be verified I demand These payments be updated to paid on time Immediately. Thank you for your time, understanding and prompt action.

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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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