vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I just reviewed my credit report and noticed some inquiries that I do not recognize.

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 2024-08-20 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: VA

Complaint narrative:
I have accounts reporting incorrectly on my credit report they were included in a bankruptcy and is reporting wrong and its my to please gets these accounts removed from my credit report for reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
I have accounts reporting incorrectly on my credit report they were included in a bankruptcy and is reporting wrong and its my to please gets these accounts removed from my credit report for reporting inaccurately

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXm in distress in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.

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 2024-08-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-20 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: MI

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-20 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: SC

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/2023 My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( XXXX XXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data. 

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information. 
Evidence that my personal financial information has not been mishandled or improperly reported. 
Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 

Thank you.

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 2024-08-20 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 to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 XXXX XXXX XXXXXXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections.

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data.

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information.

Evidence that my personal financial information has not been mishandled or improperly reported.

Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law.

Thank you.

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
This company who has a Lasting Power Attorney sent me a notice attempting to collect an alleged debt. It is not clear if they are representing XXXX XXXX XXXX XXXX or if they bought this debt and is attempting to collect for their own gain. I request proof of the retainer agreement between XXXX XXXX XXXX XXXX and Weltman Weinberg & Reis. This debt is disputed and information/ documentation is being requested by me. See attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and discovered that my credit score with XXXX was XXXX had decreased by XXXX points bringing it down from good to fair at a XXXX credit score due to the inaccurate information that I, C, System, INC collection company is reporting as a debt owed to them of {$440.00}. Based on my credit report XXXX is the original creditor. This information is inaccurate. In XXXX I had XXXX XXXX  here in XXXX XXXX  when I was staying at an apartment complex called XXXX XXXX Upon moving to another apartment complex upon my lease expiring in XXXX, I went to XXXX XXXX  XXXX  turned in the cable box to the customer service representative at that time and had the account closed. Here it is approximately 15 years later and this collection company I.C. System reporting to the credit bureau that I owe them {$440.00}. I do not owe this debt to them or the original creditor 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 2024-08-20 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: VA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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.

EQUIFAX 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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
I contacted XXXX and Experian about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation