vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: 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.

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 inructions 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 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. 

These are the inquiries which should be off from 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 2024-07-06 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: FL

Complaint narrative:
I have sent this company a cease and desist This company has refused to adhere to the federal guide lines ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency which it is listed the company is not listed is not legally binded and or insured to collect in the state of Florida. Please have this company cease all collection activities. This is my last attempt to complain outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year>, I have requested online from all XXXX  credit reporting agencies ( Equifax, XXXX, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from Equifax, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. XXXX and XXXX, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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.

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 inructions 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 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. 

These are the inquiries which should be off from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: GA

Complaint narrative:
XXXX Account number : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian : XX/XX/XXXX, XX/XX/XXXX 15 USC 1666b ( 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. 
XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-06 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: 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.

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 inructions 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 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. 

These are the inquiries which should be off from 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 2024-07-06 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: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

F H CANN AND ASSOCIATED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus XXXX, Equifax, and XXXX. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - Equifax : XX/XX/year> These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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:
Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus Experian, XXXX, and XXXX. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - XXXX : XX/XX/2023 These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Resurgent Capital Services for their persistent and unwarranted communication attempts despite my repeated requests to cease all forms of contact. 

This is the third time I am being forced to address this issue. I have no affiliation with Resurgent Capital Services, its affiliates, or any parent company associated with them. Despite my previous written requests, I continue to receive letters and other forms of communication from this company. 

I find these continuous communications to be a clear invasion of my privacy and a form of harassment. I am hereby reiterating my demand for Resurgent Capital Services to immediately cease all forms of communication with me, including mail, email, phone calls, and any other means. 

If this company continues to ignore my requests, I will be left with no option but to pursue full legal actions for invasion of privacy and harassment. I urge the Consumer Financial Protection Bureau to take immediate action to ensure that my rights as a consumer are protected and that Resurgent Capital Services complies with my cease and desist demand. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
Incorrect information in 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report for the third and final time. Despite my previous two attempts, you have failed to rectify these errors. This letter serves as my formal demand for the immediate removal of the disputed information, as mandated by law. 

Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ), Section 611 : Under the FCRA, I am entitled to dispute any inaccurate information on my credit report. The credit bureaus are legally required to investigate and correct or delete inaccurate information within 30 days. To date, you have not complied with these requirements. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : The creditor agencies involved have engaged in unlawful practices, including harassment, false representations, and other violations. These practices not only violate the FDCPA but also undermine the integrity of the credit reporting system.

14th Amendment, Section 4 of the U.S. Constitution : This amendment asserts that the validity of public debt authorized by law can not be questioned. Any actions that misrepresent or question the validity of debts on my credit report are unconstitutional and must be rectified immediately. 

Demand for Action : Given the legal framework outlined above, I demand the following actions : Immediate Investigation and Removal : You must immediately investigate and remove the inaccurate information from my credit report. This includes all entries that are not consistent with valid records. 

Cease and Desist Unauthorized Practices : The creditor agencies must cease any unauthorized or unlawful practices related to this debt, including but not limited to selling, collecting, or making false representations of the debt. 

Notice of Further Action : If the inaccurate information is not corrected and removed from my credit report within the next 15 days, I will : File a formal complaint with the Federal Trade Commission ( FTC ) regarding your non-compliance with FCRA and FDCPA requirements. 
Consider legal action, including arbitration, to enforce the deletion of this information and seek damages for the harm caused by your negligence and non-compliance. 
This letter serves as a formal notice of my intent to pursue all available legal remedies should this matter not be resolved promptly. I expect confirmation of receipt and detailed information on the actions you are taking to comply with this demand. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus XXXX, XXXX, and TransUnion. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - XXXX : XX/XX/2023 These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NV

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Bank XXXX XXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NV

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX XXXX : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B

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 2024-07-06 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.

Company response to consumer: Closed with non-monetary relief