vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: CT

Complaint narrative:
Mercury Financial, is the issuer of my credit card, I have an ongoing dispute with a merchant since XX/XX/year> and as a XX/XX/year> Mercury Financial is are being dishonest and is giving me the run around in regards of this dispute.They keep telling me that it will be revolved soon when I reach out to them the keep telling me the same thing over and over again without and resolution. Also they reported my account as being delinquent as from my understanding no payment is due while it's being disputed. 
They are ruining my credit and it's not fair because from my understanding when you are disputed a merchant no payment is due unless I have a charge for a different merchant which is not the case here. I need Mercury Financial to take this off my credit report and properly report it correctly and not delinquent. They also refuse to fix this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 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: OK

Complaint narrative:
incorrect information in my credit report

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 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander consumer USA reporting incorrect information on my report And this error causes significant damage /harm to my report To calculate the number of days between XX/XX/XXXX and XX/XX/XXXX, we can count the days : XX/XX/2015, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX There are XXXX  days between XX/XX/XXXX and XX/XX/XXXX. 

If you're considering a XXXX late payment period, and the payment was due on XX/XX/XXXX, then the XXXX period would end on XX/XX/XXXX. 

In this case, the payment would be considered late between XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX ). 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2024-07-13 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: GA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-13 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I recently reviewed my credit report and discovered incorrect information that needs immediate correction. The account in question is listed under JEFFERSON CAPITAL SYSTEMS, originally from XXXX XXXX, with Account Number : XXXX. This account is erroneously marked as OPEN with a PAST DUE BALANCE of {$650.00}. 

Account Summary : Original Creditor : XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Collection account, {$650.00} past due as of XX/XX/XXXX This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) and XXXX standards. I request that you immediately remove this account from my credit report. Please provide an updated report showing the removal and compliance with XXXX standards. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX Attachments : - Copy of Government Issued ID - Dispute of Inaccurate Credit Report Information Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of Georgia Consumer Law and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXXXXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-07-13 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: KY

Complaint narrative:
Complaint Against Nationwide Capital Services LLC also know as Structured Settlement acct : XXXX, opened : XX/XX/year>, highest balance {$590.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against [ Nationwide Capital Services ] and [ XXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I will report them to the appropriate authorities if they fail to provide the requested information. 
Thank you for your time and attention to this matter. 
Sincerely,

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 2024-07-14 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX*** BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CL Holdings LLC
State: GA

Complaint narrative:
This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX This company is not allowed to collect debt in the state of Pennsylvania ; according to XXXX XXXX XXXX. 
According to 15 US Code 1692C any false information on my credit report shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-13 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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 2024-07-13 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: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account XXXX XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

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 2024-07-14 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: FL

Complaint narrative:
there are collections and hard inquiries on my credit report that i did not approve. 

XXXX XXXX opened XXXX amount of : ( XXXX )

Company response to consumer: Closed with non-monetary relief