vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Midland Credit Management , Inc.

po box 2000 Warren, MI 48090-2000 Subject : Debt Validation Request 327028240 Dear Midland Credit Management , Inc. , I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and request that you provide the following information : Name of the Original Creditor : Identify the original creditor for the alleged debt. 
Amount of the Debt : Provide a detailed breakdown, including the original balance, fees, interest, and other charges. 
Proof of Agreement : A copy of any agreement bearing my signature that establishes my responsibility for this debt. 
Authorization to Collect : Documentation showing your authority to collect the debt on behalf of the original creditor. 
Complete Payment History : Include the date the debt was incurred and the date of the last payment made. 
Until you provide the requested validation, I request that all collection efforts and communications cease, except for providing the required information. 

Failure to validate the debt XXXX constitute a violation of the FDCPA, and I reserve the right to report any non-compliance to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Please respond in writing at the address provided above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Dear Experian Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment to my credit report. Upon reviewing my report, I noticed inaccuracies regarding accounts listed as charge-offs. These inaccuracies do not reflect my current financial standing or the steps I have taken to resolve past issues. 

I take full responsibility for the past challenges that contributed to the negative information. However, I have worked diligently to improve my financial habits and manage my obligations responsibly. To this end, I am humbly requesting that you remove or correct the following inaccurate items :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Late payment Account # XXXX XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that XXXX XXXX XXXX XXXX XXXX Account # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( 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.

According to my records, the payment for the aforementioned period was made by Debit card on time and was processed without delays. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Late payment Account # XXXX XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX Account # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( 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. 

According to my records, the payment for the aforementioned period was made by Debit card on time and was processed without delays. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim. 

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Employer : My current employer is XXXX XXXX  XXXX XXXX but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 
2.Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX, FL XXXX . I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding for reporting a collection account on my credit report that I do not recognize. I have no recollection of doing business with this company, yet they are reporting an OPEN collection with a past due amount. I have requested the credit bureaus validate this debt, but LVNV Funding has failed to provide any proof that this debt belongs to me. This reporting appears to be inaccurate and potentially in violation of credit reporting standards. I request that this matter be thoroughly investigated and that the erroneous information be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent accounts appearing on my consumer XXXX  Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a credit card account opened at XXXX XXXX  on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 items 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.

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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit. I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data You are reporting account # XXXX this account due to inaccurate reporting. 

After completing my request, send me a copy of my updated credit file reflecting this update.

Company response to consumer: Closed with explanation