vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX, XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I submitted a dispute with XXXX and XXXX and not resolved. I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit report. 

I contacted XXXX and XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

This is fraudulent and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NY

Complaint narrative:
To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( 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.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Account : XXXX XXXX XXXXXXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report 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 2024-08-18 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: Westlake Services, LLC
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-08-18 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:
Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue XXXX and XXXX and Equifax for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue Experian and XXXX and XXXX for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!

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 2024-08-18 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: NJ

Complaint narrative:
I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous :

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 2024-08-18 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: NJ

Complaint narrative:
I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent certified mail mail to Midland Credit Management , Inc to for validation of alleged debt. I explained that I am not inquiring about the Texas Finance Code law and that this letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Midland Credit Management Inc, provide me with competent evidence that I have any legal obligation to pay you. I only see my name and address which doesnt validate that I am the person who open this account which could possibly be fraudulent or identity theft. 

I responded back to Midland Credit Management from the correspondence that was sent by mail dated on XX/XX/year>, because their office has failed to provide me with any competent evidence to confirm the validation of this debt from the listed items below which I had previous requested back on XX/XX/year>. I dont have any contractual obligation with Midland Credit Management XXXX any knowledge of this account. I requested from the again by certified mail to please provide the following documentation below : Collection on a debt for which the statute of limitations ( 4 years ) has expired.

Agreement with your client that grants you the authority to collect on this alleged debt. 
Contractual Agreement between XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX ) and that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Itemized statement showing the accuracy of this alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Verification that you are a licensed debt collector in The State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-19 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXXDept of ED Account # XXXX LATE PAYMENTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXXDept of ED Account # XXXX LATE PAYMENTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections.

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 2024-08-18 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Innovis for reporting inaccurate information on my credit report. I demand that Innovis immediately cease and desist from reporting any information about me. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623 ( 15 U.S. Code 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the accuracy and integrity of the data they report. Innovis has failed to comply with these obligations, which has caused undue harm to my credit standing. I request that the CFPB take immediate action to enforce my rights under federal law and require Innovis to cease all reporting of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 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.

15 U.S. Code 1681e ( b ) Accuracy of report 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. 

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer. 

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were 30 days late based on payments being due on the 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 2024-08-18 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXXXXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 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.

15 U.S. Code 1681e ( b ) Accuracy of report 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.

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer.

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were 30 days late based on payments being due on the XXXX.

Company response to consumer: Closed with non-monetary relief