vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Upon checking my personal EQUIFAX account, I realized that I have incorrect information in my credit report. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, EQUIFAX is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act XXXX XXXXXXXX XXXX '' The dates on which the incorrect late payments appear are described in each account as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EQUIFAX must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information. 

This is not the first time I have tried to contact experian and they have not shown any interest in resolving the errors they are making and are affecting my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit and noticed inaccurate employment information resulting in damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXXXX/XX/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 2024-10-20 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: Sezzle Inc.
State: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reviewing my credit report I get 4 hard inquiries that are not correct EQUIFAX Disputed Inquiry 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 XXXXXX/XX/XXXX, Unspecified. 


EQUIFAX is violating the following laws : Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: MD

Complaint narrative:
My previous mortgage company has failed to provide a refund for the escrow amount after refinancing. 

There two significant issues.

1. The mortgage company failed to provide a payoff statement to the new mortgage company, delaying the loan closing process.

2. The mortgage company has NOT provided the escrow balance and refund. It has been over 30 days since the loan was closed.

I am attaching the most recent mortgage statement as a supporting document.

The name of the mortgage company is as follows. 

Village Capital & Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt Amount : {$330.00} Creditor : Midland Credit Management , Inc . 
Date Submitted XX/XX/year> **Key Points of My Dispute : ** 1. **Inaccuracy of Reporting ( FCRA 1681s-2 ) : ** I believe the reported debt is inaccurate, as I have no record of incurring this obligation. Under the Fair Credit Reporting Act, specifically 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies.

2. **Failure to Validate Debt ( FCRA 1692g ) : ** I invoked my right under the Fair Debt Collection Practices Act, 1692g, to request validation of the debt. To date, I have not received any documentation from Midland Credit Management proving the legitimacy of this debt, which is a violation of my rights. 

3. **Obsolete Information ( FCRA 1681c ) : ** The FCRA, specifically 1681c, prohibits the reporting of debts that are outdated or incomplete. If this debt is tied to an account that exceeds the reporting period or lacks essential details, it should not remain on my credit report. 

I have requested that Midland Credit Management conduct a thorough investigation into this matter and provide written confirmation of their findings. I am seeking the removal of this debt from my credit report if it can not be validated as they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. XXXX XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX Account number XXXX, XXXX XXXX  balance {$1900.00} account number XXXX open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$19000.00} open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$1200.00} open date XX/XX/XXXX, XXXX XXXX XXXX  account number XXXX balance {$570.00} open date XX/XX/XXXX, XXXXXXXX XXXX account number XXXX open date XX/XX/XXXX balance {$10000.00}, XXXX XXXX account number XXXX balance zero open date XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX balance XXXX account number XXXX XXXX XXXX Account number XXXX balance XXXX open date XX/XX/XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX open dates XX/XX/XXXX XXXX XXXX open date, XX/XX/XXXX balance {$690.00} account number XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
DATE : XX/XX/year> TO : Equifax Subject : Notice of Dispute Inaccurate Reporting Dear Equifax, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX Account NUMBER # XXXX. This account is being marked as charged-off on a monthly basis, which is incorrect. SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TX

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. 

Account name : XXXX XXXX Account Number : XXXX, Account name : OFFICE OF THE ATTY GENER Account Number # : XXXX, Account name : XXXX XXXX  Account Number : # XXXX, Account name : XXXX XXXX XXXX Account Number : 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 convictions of crimes which antedates the report by more than XXXX  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 2024-10-20 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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  Credit Unions XX/XX/XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Dear CFPB Team, I am writing to formally lodge a complaint against the credit reporting agencies, XXXX, XXXX, and TransUnion, for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). It appears that these credit bureaus have decided to disregard the law due to their own greed, failing to provide accurate and complete information regarding my credit accounts, which constitutes a violation of Section 607 ( b ) of the FCRA.

Furthermore, I am requesting proof of any previous investigations conducted regarding my complaints. I would like to know the methods used in these investigations and request all records of communication with the lenders involved, including : 1.The contact information of the lenders ( name, address, and phone number ).

2.Documentation that substantiates any claims regarding late payments on my accounts.

Please provide this information within 10 days. If you are unable to furnish the requested documentation in this timeframe, I ask that my account be updated to reflect a status of PAID/LATE. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX is the only bureau that is reporting as paid on time. 

XXXX AND TRANSUNION A REPORTING IT WRONG

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 2024-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just recently looked at my credit report from Experian XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XXXX XXXX - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
reviewing my credit report I get XXXX hard inquiry that is not correct Disputed inquiry XXXX : FACTUAL DATA, XX/XX/year>, Unspecified. 

TRANSUNION is violating the following laws : Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request immediately delete those hard inquiries

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file.

This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft.

Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injuries : 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 2024-10-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. The fraudulent, inaccurate, and false information consists of a personal car loan account opened at XXXX/MAZDA FIN SV  on XX/XX/2020 under the account number ( private ), and a personal car loan account opened at MAZDA FINANCIAL SERV and MAZDA FIN SV on the same date under the accounts numbers ( private ). These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjstors Hasn't provided a response to my inquiry and proof hasn't been provided of validation of debt and proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Youre not licensed in the state of Florida to collect on this alleged debt. Please cease and desist from collecting on this debt. Please see attachments.

Company response to consumer: Closed with explanation