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

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.

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 2024-10-10 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my recent credit report and noticed that there are some very damaging, INACCURATE information being reported. The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all of the data included in a consumers file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency against me are false. The allegations that are reporting right now do not meet federal or state requirements for reporting, so they can not be confirmed. It is required by the bureau to maintain and report data with complete accuracy and compliance. 

Everything needs to be accurate and in the correct format as required by law ( FCRA ) and XXXX XXXX standards. Consider this a formal notice that things arent being handled properly and need to be fixed immediately. Im giving XXXX days for this to be resolved. Please send me proof of your actions along with my updated credit report. If the claims are inaccurate, I expect you to correct them with verified information. If theyre untrue, remove them right away. 

Below is a summary of the data in which I am challenging : I had requested that this account be verified, and I have not seen any proof that it was. I need all correspondence regarding the previous dispute including the data provided to Equifax that this account is accurate. If the agency is unable to do so, please remove this account from my credit report immediately. 
XXXX XXXX XXXX- This is not my account. 

This account is showing information thats outdated and inaccurate. That is a clear violation of my rights. Under XXXX U.S.C. XXXX, credit reporting agencies are supposed to make sure what they report is accurate. Thats clearly not happening here because the account details dont match. I also had requested that this account be verified, and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX XXXX - This is not my account and is showing inaccuracies! 

This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX - This is not my account!

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
They never disclosed to me my right to rescind and they also never did consumer credit, not giving sum of ALL charges information was not giving therefore its considered fraud! Also taking payments for me and not giving the proper credits for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning inaccurate and erroneous child support arrears information reported on my credit report by Equifax. This false reporting pertains to XXXX missed XXXX XXXX  payments from XX/XX/XXXX to XX/XX/XXXX and the subsequent addition of a collection to my report. 

The facts of the case are as follows : I have never missed a child support payment during the timeframes reported, and my account with the XXXX  XXXX XXXX XXXX has been consistently in good standing. 
Over the past several years, I've had multiple recorded phone conversations with XXXX XXXXXXXX agency representatives who have confirmed my account status as current, with no penalties. I do not owe any XXXX XXXX arrears, and there should be no missed payments or collection listed on my credit report. 

On XX/XX/XXXX, the XXXX  XXXX XXXX XXXX inaccurately reported the XXXX missed payments, and these false entries were subsequently added to my Equifax credit report. On XX/XX/XXXX, I submitted a written dispute to Equifax ( tracking number # XXXX ), and the dispute was confirmed received on XX/XX/XXXX XXXX XXXX. As of today XX/XX/XXXX I've received no correspondence. 

Despite this, the inaccurate information remains on my credit report, which has negatively affected my financial standing. Under the Fair Credit Reporting Act ( 15 USC 1681b ), I have the right to have only accurate and up-to-date information reported on my credit file.

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

Complaint narrative:
I always pay on time, but Im not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian. XXXX, Experian has violated my consumer rights and violated federal law. This is multiple times now in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan motor acceptance is violating both FDCPA and FCRA laws. Nissan motor is trying to illegally and fraudulently collect debt on an already paid in full and closed account. They illegally and fraudulently sold my car loan to XXXX XXXX XXXX despite numerous recorded phone calls from myself and my family, where we are instructing Nissan to cease and desist all communication with XXXX XXXX XXXX, and that they did not have our permission to engage in any third-party business or to disclose our information. Nissan gave the incorrect payoff amount to XXXX XXXX XXXX, and now they are coming after me and reporting me late on a closed account if Nissan wants this resolved, they shouldve followed the laws and follow their consumers instructions to cease and desist all communication with XXXX XXXX not accept any payment from them and do not disclose our personal account information with an unauthorized third-party we made numerous calls from XXXX to XXXX begging them to stop. Nissan can simply fix this by refunding XXXX XXXX XXXX and revoking the the title that they gave away to XXXX XXXX XXXX and reopening our account. 

After this complaint, I will also file a complaint with the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/year> at XXXX XXXX  an agent of midland credit called demanding to speak to my XXXX old son. I asked why they wanted to speak to my son the woman on the line repeatedly stated it was a personal buisness matter I told her what business matter does an adult have with a XXXX? I refused for her to speak to my son then stated hes in XXXXXXXX XXXX XXXX does it sound for her to demand to speak to a XXXX  when XXXX XXXX XXXX XXXX  at this hour. I said she would not be speaking to my son as he is a XXXX  and she can speak to me during the conversation she realized she called me regarding his father XXXX XXXX ( both have the same name ) then demanded I have him pay them and call them. I asked how she got my number and not to call me they need to figure that out because Im not XXXX XXXX and they should not be calling regarding another persons debt. Midland states they have these safe guards but XXXX theyve given information without confirmation of who the person they were speaking to was! I want a copy of that recording

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-10 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: VA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active navment histor XXXX inaccurate intormation talsely maninulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account : 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to get my credit report from XXXX, Experian but Im having trouble getting into my account and creating one on XX/XX/year>. 
I tried to open a checking account on XX/XX/year> and they told me that there are multiple consumers associated with my social.

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 2024-10-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Regarding the above-referenced account, which you claim I owe. I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay, but a request for clarification and proof that I am indeed liable for this debt.

Please provide the following information : Proof that the debt is valid and that I am legally obligated to pay it.

Details of the original creditor, including the name and address. 
A copy of any judgment if applicable. 
The exact amount of the debt, including a breakdown of the principal, interest, and any fees. 
Proof that you are licensed to collect debts in my state, if applicable. 
Under federal law, you are required to provide this information within 30 days of receipt of this letter. Until the debt has been validated, you must cease all collection efforts, including reporting this debt to credit reporting agencies. 

Thank you for your cooperation in this matter. Please respond in writing at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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
Consumer complaint received 2024-10-10 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: MS

Complaint narrative:
I recently reviewed my EXPERIAN, XXXX XXXX, AND XXXX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them. The accounts listed on XXXX XXXX, EXPERIAN, AND XXXX are fraudulent reporting from creditors 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 2024-10-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: DLF Law Group, LLC
State: TN

Complaint narrative:
XXXX XXXX 2024 bank levy on my bank account amount of {$4000.00}. And when I try to contact the debt collector to negotiate or some kind of agreement, no one answers the phone or returns my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a notice from XXXX XXXX regarding new account being reported to XXXX. I logged in and saw LVNV Funding LLC reported as Original Creditor on XX/XX/year> collection account for the amount of {$1500.00}. I have never received and notification in the mail regarding this company. I have never spoken to anyone from this company. I have never had any business with this company or signed any document pertaining to any associated business with this company. From what I searched on line about this company they have a slew of complaints and seem to be the ambulance chasers of the debt collection industry. I was reported with out any prior notification from this company.

Company response to consumer: Closed with explanation