vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: CO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer 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. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX XXXXy not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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 is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, 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 2023-12-08 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My account was hacked and scammed for bit and bits of money at a time and when I finally noticed it and tried to dispute it thru my bank they were acting like they were on my side and was going to help I tried to contact then along the process the just got more and more aggressive with me even though I was as respectful as I can be, over {$7000.00} dollars have been taken from my account theres even sports betting on there and I still get denied they should know that Im not XXXX how can I possibly be sports gambling. They were overly rude and unhelpful.

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 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

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. 

LVNV FUNDING LLC {$780.00} I believe these companies has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: AZ

Complaint narrative:
Dear Equifax What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough.

Federal : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have XXXX or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Henley, Lotterhos & Henley, PLLC
State: MS

Complaint narrative:
I have reached out to this company several times to get them to stop garnishing my paycheck I am barely making ends meet. I need the garnishment to stop because it has reached the statute of limitations in the state of Mississippi. Limitations of Actions and Prevention of Frauds 15-1-43. All actions founded on any judgment or decree rendered by any court of record in this state, shall be brought within XXXX ( XXXX ) years next after the rendition of such judgment or decree, or last renewal of judgment or decree, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
My bank account was served with a levy from the debt collector Midland funding from a judgment that was issued in XXXX of XXXX they went back to court and submitted this writ dated XX/XX/XXXX of this year I submitted a motion I did not get a chance to file the questions to be answered because I was never served with this I would have definitely called and got it. 
This company didn't do the right stuff they supposedly sent it to me wrong address I've not been there for over 2 years they submitted this to the wrong bank because the bank is no longer in existence documents are not correct Bank should have never taken them. 
I received a motion from the judge that I can't reach out to the from the judge that I can't reach out to the from the judge that I can't reach out to the company from the judge that I can't reach out to the company to from the judge that I can't reach out to the company to work from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a payment arrangement and the company refuses to do that if the original judgment was issued in XXXX and I'm just now getting this in XXXX My question is what are the rules and laws of them notifying me within the four years of the original judgment it's not on my credit report it's nowhere out there as a public notification to know that it's out there that I need to get it taken care of I told the lady don't you think people 's lives change him 4 years.

They were rude they refused to get me a manager I just wanted someone to work with me and reverse this I offered to pay {$500.00} at the release of my money and set up the rest on a payment arrangement monthly and they didn't want to do that they stated it's too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: NC

Complaint narrative:
Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting. 

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-08 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: NC

Complaint narrative:
Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting.

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-08 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: FL

Complaint narrative:
I closed my aspire credit card back in XX/XX/! The account has been reporting OPEN for the last 4 months on my EXPERIAN credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and Experian 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to Experian. Yet, when I dispute with Experian and upload the documents showing its closed Experian is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just Experian. This account needs to be reported closed on Experian immediately!

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 2023-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. BOFA advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. XXXX XXXX have been notified i have filed disputes, they have not provided any information as to how this can be accurate. Bank of america as well as XXXX XXXX both have class action lawsuits in the works, and have lawsuits pertaining to this. Fralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both BOFA and XXXX XXXX for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.

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 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I received the discharge of a significant portion of my student loans due to close school discharge. I was attending the university XXXX XXXX XXXX XXXX. They automatically applied the discharge amount to other loans I had versus sending me a full reimbursement check. Instead of over XXXX being received I only was supposed to receive now only {$1400.00} which they sent to the wrong address after I updated my address with them.. I requested for the check to be re-issued it has not to this date. It has been over six months since I asked for the check to be re-issued but ultimately, I still have it issued with them automatically applying that discharge amount to other loans without my consent. I feel I shouldve received the full discharge amount back and had my choice about how much was going to be applied towards other loans.

Company response to consumer: Closed with explanation