vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
To whom it may concern, I kindly request the complete and timely expungement of some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please remove the inaccurate 30 day late from the following account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
DEPT OF ED/XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX reportthere are 0 late payments being reported. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

DEPT OF EDXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account XXXX XXXXXXXX, and {$740.00} for account # XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

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 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Whom It XXXX Concern : This investigation began in XX/XX/year> and continues to this day. I am disputing all three credit reporting agencies who gives me bad reviews each month. Which have resulted in negative remarks being made on my XXXX XXXX within the same month and on multiple days. I am aware of the utilization formula. However, I believe the XXXX credit agencies ratings are terribly miscalculated for some reason. In reality, I always make my credit payments on time. 

This has had a significant impact on both my life and credit for the past XXXX months. I'm not sure if someone is trying to access my accounts to take my identity. This is something I have never experienced before. It's really scary, and I'm not sure if I should call the police or not.

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 2024-12-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Report Number : XXXX Date Generated : XX/XX/year> Subject : Request for Validation of Alleged Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing regarding the alleged debt associated with the above-referenced account. As this matter impacts my creditworthiness and personal information, I am disputing the validity of this debt and formally requesting debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues The information associated with my credit report includes multiple inaccuracies and unverified details. Below is a summary of my correct information and the discrepancies that require immediate attention : Correct Address : 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 XXXXXXXX Validation Request : Please provide the following documentation to validate the alleged debt : A signed agreement or contract proving my obligation to this debt. 
An itemized breakdown of the debt ( principal, interest, fees, etc. ). 
Proof that you are legally authorized to collect this debt on behalf of the original creditor. 
Impact on My Credit Report : If this debt can not be validated, you are instructed to : Cease all collection activity immediately. 
Request the removal of any associated negative information from XXXX, Equifax, and XXXX. 
Correct or update any inaccurate address, name, or employer information listed on my credit report. 
Legal Considerations Failure to validate this debt within 30 days of receipt of this certified letter will result in legal action under : FDCPA 807 [ 15 U.S.C. 1692e ], for false or misleading representations.

Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( b ) ], for reporting unverifiable or inaccurate information.

I will pursue damages of up to {$5000.00} in small claims court for : Defamation resulting from inaccurate credit reporting.

Negligent enablement of identity fraud.

Violations of consumer protection laws.

Immediate Action Required You are required to : Provide a written response with the requested validation documents. 
Cease all credit reporting and collection activities pending resolution. 
This letter is an effort to resolve the matter amicably and correct inaccuracies. It does not constitute an acknowledgment of the debt or a waiver of any rights. Please direct your response and any questions to my address above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XXXX  Us auto credit financed the vehicle 3 months later the motor went out in the vehicle and I lot the company know they insisted on me keeping the vehicle and refused to get it until they had no choice. After they picked the vehicle up they sold it at an auction for XXXX? my original loan amount was XXXX now theyre suing me for XXXX! When after they sold the vehicle they said I would just be responsible for the restitution. This has been a complete nightmare! Ive also saw where they have done multiple people the same way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 2024-12-02 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
I recently had taken out an empower loan and paid it back XX/XX/year>. I did notice that the loan repayment did not automatically take place as they normally try to do it. So I made sure to process that loan the night of to ensure that it was on time. 

Even though it kept telling me I was late when trying to make the payment they never charged me with any late fees and it went through as normally. When I later checked my bank account I noticed a random {$8.00} charge from the company. So I reached out. I will provide the email because their responses made little to zero sense to anything I was stating. They came up with many false reasons of why the {$8.00} was charged. Which I provided them with why those statements did not add up to the random {$8.00} charge. 

Supporting Attachments Provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, an account with **Credence Resource Management** ( original creditor : XXXX XXXX XXXX ) was reported on my credit file with a balance of ** $ XXXX. However, I have identified multiple inaccuracies in the reporting of this account across XXXX and XXXX including : XXXX XXXX  did not report this account, despite the obligation to ensure consistent and accurate reporting across all credit bureaus. 
- Inconsistent dates, such as the " Date Last Active, '' which is reported as XXXX XXXX, XXXX by XXXX but XXXX XXXX, XXXX by XXXX. 
- Incorrect payment status, claiming " Seriously past due '' despite no clear validation of the debt. 

I attempted to address this issue by reviewing my records and contacting the reporting bureaus. On ** [ Insert Date You Took Action ] **, I submitted disputes to the credit bureaus and requested debt validation from Credence Resource Management under the **Fair Debt Collection Practices Act ( FDCPA ) **. 

-- - # # # **Actions Taken** - Submitted a **dispute letter** to XXXX and XXXX, highlighting the discrepancies.

- Sent a **debt validation request** to Credence Resource Management , requesting documentation proving the debt 's validity and accuracy. 
- Attached an affidavit, asserting my rights under the **Fair Credit Reporting Act ( FCRA ) **, to ensure the information 's correction Mark Paid as agreed or ok Legal Consequences of Non-Compliance Failure to comply with this lawful demand may result in legal action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC XXXX, and XXXX  Department of Attorney General. 

Seeking damages under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Legal Basis for My Dispute 15 U.S.C. 1681a ( 2 ) : Reports limited to transactions or experiences between the consumer and the reporting entity must be removed if included unlawfully.

15 U.S.C. 1681e : Reporting entities must ensure the maximum possible accuracy of credit report information. The inclusion of incorrect data demonstrates non-compliance.

15 U.S.C. 1681i : Reinvestigate disputed information within 10 days.

Notify the furnisher and verify the accuracy of disputed information.

Correct or delete unverifiable or inaccurate information.

15 U.S.C. 1692g : Validation of debts requires documented evidence of debt accuracy and my liability.

15 U.S.C. 1611 : Criminal penalties, including fines of up to {$5000.00} or imprisonment for up to one year, apply to knowingly providing false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC GREENVILLE, SC XXXX tel : XXXX Subject : Request for Verification of Debt Dear LVNV FUNDING LLC I am writing to formally dispute the validity of the debt referenced in your collection notice reported on XX/XX/year> which states that I owe {$460.00} for Account number XXXX account number or creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. To assist in the verification process, please provide the following information : 1. The amount of the debt : A detailed breakdown of the total amount owed, including any fees or interest. 2. Creditor Information : The name of the original creditor and any account numbers associated with the debt. 3. Proof of Ownership : Documentation that shows you have the right to collect this debt on behalf of the original creditor. XXXX. Payment History : Any records that indicate payments made toward this debt, if applicable. Please send this information to me at the address which you should have. Until I receive the requested verification, I ask that you cease all collection activities related to this account, as required by law. If you are unable to provide the requested verification within 30 days, I expect that you will remove this collection from my credit report and cease all further attempts to collect the alleged debt. I request that you provide me with validation of this debt, including proof of ownership and the original agreement. Until this is provided, I ask that you cease all collection activities related to this account. '' Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Pursuant to 18 USC 8, I do not owe this debt. Additionally, this company is violating my consumer rights to privacy under 15 USC 1681b ( 2 ) and does not have permission to report any information using my personal data in accordance with 15 USC 1681a.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent account on my report this account is not mine and it need to be remove from my credit immediately because it's hurting my financial needs.

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 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was a client of XXXX XXXX XXXX, and they had a data breach this year. Now I'm receiving several fraud alerts and they crashed my credit score. I already disputed several with the credit cbompanies successfully and took further actions, but some how they find ways to add the collection. This time it's the company LVNV Funding LLC in South Carolina, the original creator is XXXX XXXX XXXX in Texas. 
I attached 3 images.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
I was renting a house from XXXX XXXX XXXX. At the time of the lease renewal in XX/XX/XXXX I was XXXX months behind on my rent because I got laid off my job. The rent was {$1100.00} a month at that time. I received an eviction notice XX/XX/XXXX. So I moved out of the house the next week. XX/XX/XXXX I was contacted by Hunter Warfield collection agency informing me that I owed them {$10000.00}. After paying them {$6300.00} I stopped paying them and requested validation that I owed them by sending XXXX certified signature receipt letters. I sent the first letter on XX/XX/XXXX. I received the signature receipt for that letter XX/XX/XXXX. I sent the second letter on XX/XX/XXXX. I received the signature receipt on XX/XX/XXXX. To this day I have not received the requested validation or any other response at all.

Company response to consumer: Closed with non-monetary relief