vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXXXX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for The consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sincerely, XXXXXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To whom it may concern, XXXXNCB MANAGEMENT SERVICES has not provided information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). XXXXNCB MANAGEMENT SERVICES has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX. This is a violations of my consumer rights by.NCB MANAGEMENT SERVICES, including the use of false, misleading, and deceptive means. XXXX. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) .NCB MANAGEMENT SERVICES is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to .NCB MANAGEMENT SERVICES, I XXXX XXXX is also revoking all rights of .NCB MANAGEMENT SERVICES from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between .NCB MANAGEMENT SERVICES and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of TX.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XX/XX/2022 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/2022

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: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
Many inquiries were unauthorized on those dates that I did not give permission to. My email and my mobile telephone were overtaken by the thief

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX, XXXX, & XXXX 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 60 - 90 DAYS 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. 


XXXX XXXX, XXXX, & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : Request for Correction of Inaccurate Late Payments on My Credit Report Dear Representative of the Consumer Financial Protection Bureau XXXX CFPB ) : XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX I am writing to formally file a complaint regarding inaccurate information reported on my credit report about late payments associated with my account with First Help Financial ( Account Number : XXXX ). Below are the specific dates of the erroneously reported late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am confident that this information is incorrect and request that it be investigated and corrected, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which protect my rights as a consumer. 

Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 : Requires data furnishers to ensure the accuracy and completeness of information provided to credit bureaus.

15 USC 1681i : Establishes my right to dispute inaccurate information and obligates credit bureaus to investigate and correct errors.

Truth in Lending Act ( TILA ) : 15 USC 1637 ( b ) : Requires creditors to present accurate billing statements and correct any errors. 
FCRA Section 1666b : Mandates investigation of billing disputes and removal of errors if not resolved within the stipulated timeframe.

Specific Requests Conduct a thorough reinvestigation of the reported late payments.

Remove the inaccurate records from my credit report. 
Provide me with a written confirmation detailing the investigation results and the corrections made. 
I look forward to receiving a formal response within the 30-day period established by the FCRA. I appreciate your prompt attention to this matter and await your resolution. 

Sincerely, 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 non-monetary relief
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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: SC

Complaint narrative:
LETTER OF DELETION HAS BEEN ATTACHED FOR FRAUDULENT ACCOUNT THAT EXPERIAN WILL NOT REMOVE. CONSUMER HAS MAILED DELETION LETTER TO EXPERIAN ALONG WITH 2 FORMS OF IDENTIFICATION. ALSO HAS MAILED IN CERTIFIED A LETTER WITH INTENT TO SUE EXPERIAN. CONSUMER HAS ALSO MAILED A DELETION LETTER FROM THE COMPANY XXXX XXXX. EXPERIAN REFUSES TO DO THEIR JOBS. PLEASE REMOVE FRAUDULENT ACCOUNT FROM CONSUMER REPORT AND BLOCK INFORMATION BECAUSE IT IS FRAUD AND CONSUMER IS A VICTIM OF IDENTITY THEFT. 


( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CONSUMER WILL FILE A 211 WITH IRS IF ACCOUNT IS NOT REMOVED BEING THAT EXPERIAN HAS ALL INFORMATION PROVIDED. REMOVED FRAUDULENT ACCOUNT IMMEDIATELY. 

CONSUMER REQUEST THAT THE EXPERIAN DELETION LETTER FOR THE FRAUDULENT ACCOUNT XXXX XXXX BE MAILED AND IN WRITING.

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 — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my correct report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I NOTICED SOME ACCOUNTS THAT NOT ADDRESSED TO ME, XXXX DO NOT UNDERSTAND WHY THESE CREDIT BUREAUS ARE REPORTING THESE ACCOUNT ON MY CREDIT REPORT, THEY ARE NOT LISTED UNDER MY CURRENT ADDRESS, THIS IS INACCURATE INFORMATION THEY ARE REPORTING,, HOW ARE THESE ACCOUNT SHOWING ON MY CRDIT FILE AND THEY WERE NOT OPEN UNDER MY ADDRESS,, THEY ARE FRAUD ACCOUNTS

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 2024-12-02 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to TransUnion regarding three inquiries in my report. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not grant permission for these inquiries, or for them to be on my credit profile.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Disputing Accuracy of Credit Report Dear Experian, I am writing to dispute the following information in my credit report. The items in question are not accurate. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Regarding the treatment of inaccurate or unverifiable information, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting these items identified permanently removed from my credit report. 

Sincerely, 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 2024-12-02 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: CA

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
Receivable management Account number XXXX Subject : Formal Dispute and Notification of Legal I am writing to formally dispute a negative item on my credit report that I believe to be inaccurate and in violation of federal laws under the Fair Credit Reporting Act ( FCRA ). I am also bringing to your attention your failure to comply with specific legal obligations as outlined in the following statutes : 1. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Regarding required disclosures for open-end consumer credit plans.

2. 15 U.S.C. 1681 Establishing consumer rights to ensure credit information is accurate and fairly reported.

3. 15 U.S.C. 1681s ( a ) ( 3 ) Requiring consumer reporting agencies to provide accurate and complete credit information.

4. 15 U.S.C. 1681e ( b ) Mandating that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 



The negative item in question is [ identify the account or item in disputes Based on the evidence I have provided, this item is either incorrect, unverifiable, or incomplete. 
Additionally, the following violations have occurred : 1. Failure to provide accurate reporting Under 15 U.S.C. 1681e ( b ), you are required to adopt reasonable measures to ensure the accuracy of the information you report. The inclusion of this inaccurate item demonstrates a breach of this obligation. 


2. Failure to properly investigate disputes As required by 15 U.S.C. 1681s ( a ) ( 3 ), you must investigate disputed items thoroughly and accurately.

3. Failure to comply with required disclosures The reporting of this item may also violate disclosure requirements under 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ).

I request that you : 1. Immediately investigate the disputed item and provide me with a purchase agreement explanation of your findings.

2. Remove or correct the negative item from my credit report if you can not verify its accuracy within the legally required timeframe.

3. Provide a writing acknowledgment of your compliance with this request and confirmation of any changes made to my credit report. 



Under the FCRA, you are obligated to respond to this dispute within 30 days of receipt. Please consider this letter my official notification. I have enclosed copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. 

Failure to address these issues may result in legal action, as I am prepared to enforce my rights under the law. 

Sincerely, XXXX XXXX

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