vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
According to FCRA, you are mandated to maintain maximum credible, true, and accurate verified valid and certified Metro 2 compliant information believed. Conforming to FDCPA, the debt collectors that furnish you information for purposes of reporting must have physically verified, ascertained valid authoritative accurate debt claim ( s ), including portions thereof said debt reputed.

The pure fact of a debt does NOT assert the REPORT-ABILITY of any suggestion ( s ), indubitable or not. REPORT-ABILITY of a credit event must be executed in an exacting, ethical, and lawful process and standard of accepted reporting activitiesincluding the actual formatted reporting necessary to be Metro 2 compliant.

VALID information NOT COMPLIANT in its reporting process ( es ) and/or of a detrimental reporting format INVALIDATES the COMPLIANT NATURE of the reporting item, even if it does NOT invalidate the debt ostensible, if unquestionable and verifiable. 

As is my consumer right to do so, I hereby, now, and today request that all of my potentially non-positive facts be reviewed for : Truth of claim Adequate completeness of the reported claim Timeliness of the claim Correctness of the claim Physical verifiability of the claim Demonstrated undoubtable validity of the claim, including all aspect ( XXXX ) of the claim stated The inclusion of the claim reporting status as related to the certifiable-ness of compliant process ( es ) and its mandated compliant Metro 2 format compliance is obvious, although mentioned here and now.

Please review the following currently expressed assertion ( s ) of credit activities related to my account and determine which, if any, satisfies each and all standards and requisites of reporting validity, including the : Known certifiable compliant reporting process ( es ) Mandated Metro 2 data field formatted reporting RETURN TO or preserve compliance of valid reporting with your immediate and appropriate : Removal ( s ) Modifications to a valid and compliant reporting status of one and all claims, challenged or not. 
I suspect the following is among the questionably divulged against me and is in need of adequate remedy. Please do so now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from Equifax and XXXX and XXXX and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as XXXX XXXXXXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from XXXX and Experian and XXXX and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security 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 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I contacted this company to resolve the debt. My credit report is reporting a balance of {$3100.00}, but this company is trying to collect over {$3900.00}. I requested proof I owed this debt. They sent me a ledger, which indicated some of the charges were coming from repairs. I requested proof the repairs were needed as well as proof they were even completed. I never received this. When I offered to settle the debt, the person on the phone scoffed and told me he would not even submit my offer to the company. The account on my credit report also does not match any rental company I ever lived with.

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 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I financed a XXXX XXXX XXXX  from Us Auto sales  on XX/XX/XXXX. Us auto sales went bankrupt and the assets were sold to westlake portfolio. My car was repossessed about 2 months into them having my account. I was not late or any payments. I am being told that I still owe XXXX dollars on the vehicle and I have a repossion on my credit file. I have reached out and tried to get my car back, and also tried to get my original contract to go over the details as the amount owed is not XXXX. 

Also us auto sales sold me a warranty that wasnt valid. My car needed work on it and when the warranty XXXX XXXX was called they told us we were not covered even after it was included in my car notes.

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 2024-12-15 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 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 NUMBER  : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should 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 CREDIT BUREAU 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, 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 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 2024-12-15 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: LEXISNEXIS
State: TX

Complaint narrative:
This letter serves as a formal notice to Cease and Desist all reporting activities in regard to the above-titled account, which to date remains DEFICIENT in its demonstration of : A factually documented PHYSICALLY VERIFIABLE TRUTH CORRECTNESS COMPLETENESS TIMELINESS OWNERSHIP OF RESPONSIBILITY ( ies ) VALIDITY ELSEWISE, or The MANDATED

PERFECT AND COMPLETE COMPLIANCE OF REPORTING, including adherence to the required METRO 2 FORMAT REPORTING STANDARD ( s ). As your firm is well aware, I have LEGALLY exercised my rights by contesting through my lawful checks and challengespreviously and currentlythe CERTIFIABILITY of COMPLIANT REPORTING of claim ( s ) that remain : Not demonstrated FACTUALLY Lacking adequate verification of truth, accuracy, timeliness, or other requisites related to the undoubted validity of this reported
injurious claim and any supposed debt ( s ) that might be associated with it.

COMPLIANT REPORTING of ONLY FACTUALLY VERIFIABLE VALIDATED CLAIMS is the MINIMUM STANDARD OF REPORTINGNOT AN OPTIONAL ONE.

I DEMAND that you report FACTUALLY and COMPLIANTLY as required by both my STATE and all the applicable federal laws and standards of reporting.

I have made attempts in writing and by phone to ensure that the alleged COMPLIANCE OF REPORTING is, in fact, CERTIFIEDto undoubtedly confirm the accuracy of the information reported to or by your firm. 

During this process, the acts by omission by this furnisher prove substantially that : The claim ( XXXX ) and any related debt ( if any ) as reported is invalid, even if only due to deficiencies of reporting requisites. 
By ignoring my legal validation demand, the alleged data furnisher is in direct violation of the FDCPA, while your firm, as the responsible repository, violates the FCRA. 

Since the furnisher has knowingly violated both federal and state lawand I can document this violationI am demanding that you : CEASE all reporting activities immediately Stop reporting the debt in question to any and all credit reporting agencies, and Delete it from my credit report at once. 
Below is the list of questionable, if not altogether erroneous inquiries you are reporting, each of which : REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TX

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 NUMBER : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should 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 CREDIT BUREAU 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, 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 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 2024-12-15 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:
I am filing this complaint against * for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : * failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or *, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Per federal dictates and appropriate state rules, no business presence can report arrant record ( s ) if they deviate from : Ethicalness, Truth, Fairness, Accuracy, Adequate completeness, Necessary timeliness, Verifiability, Validity, and/or Certifiable compliance with reporting laws otherwise.

Particularly egregious infractions occur when : Reporter ( s ) and/or any gathering repository ( ies ) act willfully NON-COMPLIANTLY, Engage in negligent disregard, or Exhibit reckless abandon related to credit reporting expectations and behaviors.

Failure to confirm adherence to established credit reporting standards does NOT necessarily mean that factually erroneous or incomplete postulations should be allowed to : Report injuriously and unjustly against a consumer. 
However, it is indisputable that the intended nature of industry standards is to ensure participants behave in a manner consistent with lawful exigencies. 

For instance, the CDIAs own CRRG manual outlines the requirements for displaying consumer data using the Metro 2 Data-filled Field Formatted reporting standard ( s ).

Deviation from these standards results in : Discrediting the integrity and honesty of reporting, and Creating a foundation of potential injury for consumers whose files lack staunchness of truth ( s ).

For this and other reasons, I pray that you : React immediately to : Abolish this currently inadequately reported allegation ( s ) due to : Reporter failure to meet the privilege to report, or Lack of demonstrated adherence to certifiable reporting procedures and standards.

Provide documented evidence to confirm that : All reporting processes are factual, Reporting procedures, prices, and standards adhere to federal and state statutes, and They remain in full congruence with these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX  DEPT OF ED/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 non-monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX

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 2024-12-15 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation