vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Re : Dispute of Debt Request for Verification or Deletion Dear Sir/Madam, I am writing to formally dispute the following collection account reported on my credit file. I believe that the information being reported is either incomplete or inaccurate, and under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you investigate and validate the debt in question. If the debt can not be properly verified, I request that it be removed from my credit report. 
The collection account in question is : 1Creditor/Collection Agency Name : Midland Credit Management Account Number : XXXX Date Opened : XX/XX/year> Please consider this a formal request for verification of the debt, as required under the Fair Credit Reporting Act ( Section 605B ). To properly verify the debt, the collection agency must provide documentation that proves : The debt is valid and owed by me. 
The collection agency is authorized to collect the debt. 
Detailed documentation confirming the original creditor, the original account, and any transactions related to the debt. 
If the collection agency can not provide these documents, I request that you immediately delete this collection account from my credit report. 
Please conduct a thorough investigation and provide me with written verification of your findings. If the debt can not be verified, I respectfully ask that you inform me in writing that this collection has been removed from my credit report. 
Under the FCRA, you have 30 days to complete your investigation and respond. If the debt can not be validated, I request that you inform me in writing that this collection has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX BALANCED {$900.00}

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 2024-12-27 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: FL

Complaint narrative:
On XX/XX/year> and XX/XX/year> I received an alert on all XXXX credit bureuas that my credit score decreased by XXXX points and that my balance increased from its correct balance {$75000.00} to {$100000.00} on XX/XX/year> then to {$100000.00} on XX/XX/year> when I never refinanced or did any loan modifications. See most recent loan statement that includes the correct balance of {$75000.00} but reporting incorrectly to the credit bureaus. This has caused damages my score dropped significantly XXXX points by this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to dispute XXXX inaccuracies on my credit report related to XXXX XXXX  XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXXXXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account : XXXX XXXX XXXXXXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXXXXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/2024. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX ( XXXX ) against XXXX XXXX  XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to dispute XXXX inaccuracies on my credit report related to XXXX XXXX  XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXXXXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account : XXXX XXXXXXXX XXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXXXXXX XXXX. I do not have a contract with XXXX XXXXXXXX XXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/year>. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX ( XXXX ) against XXXX XXXX  XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Today XX/XX/year> I still have not gotten a fraud indicator removed from my credit profile. Equifax is refusing to remove it. Every time I call they say that there is no fraud on my credit but I have proof of my credit profile saying that there is a credit profile status of me being a fraud victim and also. My credit profile stating that information is blocked due to police or DMV report ID Theft victim. 

Equifax has lied to me several times and said it was removed but hasn't removed it at all. Even the credit lenders that pull my credit see it on my profile. I even mailed a letter to the credit bureaus with my information because at first they said it was a internal error and to send a letter and it would be removed. I have over 20 inquiries on my credit and none are approved cause its a fraud statement so equifax need to remove all of the inquiries and the fraud statements ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report as provided by Equifax. Upon reviewing the details of my credit report, I have identified several discrepancies related to an account listed under XXXX XXXX XXXX  XXXX. Below are the specific issues that require immediate attention : XXXX*Account Status - " Charge Off '' ** : The account is reported as " Charge Off, '' yet it shows a balance of {$0.00}. This debt has been settled or paid, the status should indicate " Paid in Full '' or " Settled, '' and the " Charge Off '' designation should be removed. 

XXXX** : The account paid for less than full balance, paid credit card. '' This contradicts the {$0.00} balance and the " Charge Off '' status, creating confusion about the account 's resolution. Clear documentation reflecting the true status should be provided. 

**Payment History** : The payment history indicates continuous " Charge Off '' status for XXXX, XXXX, and XXXX despite a {$0.00} balance. This misrepresentation can adversely affect my credit score. The history should reflect the accurate resolution timeline without ongoing " Charge Off '' reporting. 

**Dispute Flag** : The account is marked as under dispute. If this dispute has been resolved, the flag must be removed. If not, further investigation is warranted. 

**Steps to Address These Issues** : XXXX. I request a reinvestigation of this account and clarification regarding the discrepancies. 
I ask Equifax to correct the account status, payment history, and remarks to reflect accurate and updated information. 
If Equifax fails to address these inaccuracies, I will file a complaint with your office or another relevant authority. 

Please consider this letter a formal request for the investigation of the inaccuracies in my credit report. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XX/XX/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 2024-12-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-27 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: IL

Complaint narrative:
I disputed inaccurate and unverifiable information regarding a XXXX XXXX XXXX  account ( Account Number XXXX ) listed on my Experian credit report. On XX/XX/year>, I submitted a formal dispute requesting a thorough reinvestigation of this account, as the information reported was inconsistent and unverifiable. 

I reviewed Experian 's report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and found that Experian had marked the account as 'verified and updated. ' However, Experian failed to provide any details about their investigation process, supporting documentation, or the method used to verify the disputed information. This lack of proper response violates the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation and the removal of unverifiable information from consumer credit reports. 

The information reported by Experian regarding this XXXX XXXX XXXX  account includes multiple discrepancies, such as inconsistencies in the date opened, high credit amount, credit limit, payment status, and balance. Experians failure to adequately investigate and address these inaccuracies has harmed my credit score and financial opportunities. I am requesting the immediate removal of this unverifiable account from my credit report and full compliance with the FCRA. " **

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 2024-12-27 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-27 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:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TN

Complaint narrative:
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX  XXXX for the account opened XXXX XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TN

Complaint narrative:
I am writing to express my serious concerns regarding the data breach that Equifax experienced, which has had widespread implications for consumers, including myself. This incident not only represents a significant failure in safeguarding sensitive personal information but also exposes the company to legal ramifications under various consumer protection laws. 
As you are aware, the breach disclosed personal data of millions of consumers, violating the trust placed in Equifax for protecting that information. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes to formally request the following actions :

Company response to consumer: Closed with non-monetary relief