vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I  looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

( ACCOUNTS ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

( ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit 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 explanation
Consumer complaint received 2024-10-12 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: TN

Complaint narrative:
i have false names, addresses, and information on my credit report on XXXX, XXXX, and experian. 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 2024-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan was for {$500.00} the total payout will be {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXXXXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Experian asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the Original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.

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 2024-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I can't accurate counts. I have student loans that are to be discharged under PLSF however, they counts are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries that am not aware of an thats a violation of consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Hard inquiries thats am not aware of and thats a violation of my consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for. 

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information. 

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.

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 2024-10-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for. 

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information. 

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.

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 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Today XX/XX/year> around XXXX a young woman driving a personal vehicle ( XXXX XXXX XXXX ) knocked on my door for few minutes and went to the second house to keep looking for myself, she asked for me ( XXXX XXXX ) and she told my wife that she is here to served me from court on behalf of XXXX XXXX. She stated. 
At this point Im not having a good life style thanks to this company trying to scare me or threatening me. Im actually going to see a therapist because of their actions. What they are doing it is not legal and it goes against my rights. They need to stop doing this threats against me and now taking it to court its not helping my mental health situation. Im not functioning well at work and home due to this stress situation.

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 2024-10-13 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: LA

Complaint narrative:
On XX/XX/year> company has failed to provide a description of procedure in which they use in providing inaccurate information on my 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 explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
XXXX XXXX  I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

Thia fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month

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 2024-10-12 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to assure an accuracy. Here is the account Im asking you to verify as accurate XXXX XXXXXXXX

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 2024-10-12 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an 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 items of information, Any other adverse item of information, other than records of convictions of 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 to any consumer reporting 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 2024-10-12 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: OneMain Finance Corporation
State: PA

Complaint narrative:
One main ran a Hard Credit on my credit file.

I did not apply or request any credit from ONEMAIN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for ONEMAIN XXXX XXXX XXXX this appears on my credit. 

IT also impacted my XXXX XXXX for something I did not apply for in which was credit.

Company response to consumer: Closed with explanation