vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
XXXX Oliphant XXXX account # : XXXX I have noticed that a collection account, which was paid in full, still shows inaccurate information on my credit report. Despite reaching out to the company responsible for the debt collection, unfortunately, the error has not yet been corrected. 

As a responsible consumer, it is crucial to me that my credit history accurately and fairly reflects my current financial situation. However, the persistence of this incorrect information is having a negative impact on my ability to access financial services and credit products. 

Therefore, I kindly request your assistance in resolving this issue. I would appreciate any help you can provide to rectify this situation as soon as possible. 

I appreciate your attention and cooperation in this regard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from XXXX XXXX. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from XXXX XXXX. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX XXXX Dear CREDIT COLL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the applicable identity theft and fraud laws in XXXXXXXX XXXX 

It has unequivocally come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX XXXX, particularly those pertaining to identity theft and fraud, emphasize the necessity of consumer consent for credit reporting. XXXX, XXXX XXXX, in alignment with federal regulations, establish clear guidelines for the fair and lawful reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: LA

Complaint narrative:
In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
List of accounts 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 15 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate holding inc

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 2024-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was XXXX  into a lease reneweal after undergoing XXXX XXXX  notices, for not renewing their leasing terms. Which in return I was XXXX into signing a new lease in which 30 days later I was XXXX to move and was XXXX with a XXXX debt owed when I have not stayed at the property for that 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 2024-05-28 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 recently signed up for XXXX this year and I seen that there was accounts currently on my report I have no clue or idea how it was on my report. Ive been enlisted in the XXXX for XXXX  months as well so I just was able to start seeing what was credit and how to use it.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear DP OF EDUC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes, Chapter 570 on Fraud and Identity Theft.

It has unequivocally come to my attention that DP OF EDUC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the statutes under Chapter 570, emphasizes the necessity of consumer consent for credit reporting and underscores the severity of unauthorized access and misuse of personal information. These laws are designed to protect consumers from identity theft and ensure fair and accurate credit reporting practices.

I assert with unwavering certainty that I have not provided consent for DP OF EDUC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a
n unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that DP OF EDUC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws concerning identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DP OF EDUC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: MA

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 instructions 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX - Account name : XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name XXXX XXXX XXXX XXXX  Account XXXX Account name XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-27 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: MA

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 explanation
Consumer complaint received 2024-05-27 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: VA

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. 

Aidvantage # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 instructions 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.

Company response to consumer: Closed with non-monetary relief