vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been submitted disputes via XXXX and XXXX XXXX about TWO separate debt collection accounts from the debt collector LVNV FUNDING LLC that are the result of FRAUDULENT ACCOUNT OPENINGS AND CHARGES that I had no knowledge of whatsoever and are not my financial responsibility. For nearly two years they have been inappropriately lowering my credit score and I am exhausted from the wreckage of denials in their wake. The damage that these accounts have done to my credit score and subsequent attempts of attaining credit lines of my own has been unacceptable and frankly a constant slap in my face instead of the justice I deserve. I have suffered immeasurably from all the collateral damage of this fraud in my name through never ending denials and lack of opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX Jefferson Capital Systems, Jefferson Capital Systems LLC, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dear Jefferson Capital Systems, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to an auto debt from approximately seven years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number and the date the account was opened.

3. The total amount of the debt, including any interest and fees that have been added since the last payment.

4. Documentation showing that you are authorized to collect this debt.

Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office.

Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the timeframe specified by law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: IL

Complaint narrative:
I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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:
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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care credit was paid in full XX/XX/2024. I filed a dispute XX/XX/2024 & it came back incorrect with a balance of {$350.00}. This balance was paid on full & I have a paid in full statement.

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 2024-02-25 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: IL

Complaint narrative:
I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.

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 2024-02-25 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: IL

Complaint narrative:
I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.

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 2024-02-25 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: TX

Complaint narrative:
I reached out to Experian on XX/XX/XXXX regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XXXXXX/XX/XXXX marks 1 month without Experian responding and I demand attention to this serious matter.

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 2024-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I did a title loan with Westlake Financial Services. In XX/XX/XXXXmy car was repossessed and I was asked to pay {$1600.00} and then it was changed to {$2900.00} by XXXX XXXX ( as it is written on the letter emailed by Westlake Financial ). I was verbally told over the phone to pay {$2900.00} and {$1000.00} on XX/XX/XXXX to have my title released within 15 days. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still try to call the office with another XXXX XXXX phone without success. On XX/XX/XXXX I called to make the payment of a {$1000.00} and they refused to take my payment stating it was past the deadline ( 1 day ) and that I now owe {$8200.00} ( from {$1000.00} ). I have been calling for days and I was given different figures such as {$8900.00}. {$7900.00}, {$5300.00} and now {$4200.00}. Their supervisor has been avoiding me. The letter sent to me by Westlake never mentioned XX/XX/XXXX as the last date to make the payment. Verbally I was told XX/XX/XXXX, and it was never mentioned to me that If I didn't make the payment on that date the deal will be off. I have the recording with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to close that situation. I am willing to pay the {$1000.00} they have requested over the phone and get my title back. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit reporXXXX 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 non-monetary relief
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report 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 non-monetary relief
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: NY

Complaint narrative:
On XX/XX/2024, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXXXXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : XXXX ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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:
On XX/XX/year>, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXXXXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : 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 2024-02-25 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:
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account XXXX 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 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 2024-02-25 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
our original mortgage was through XXXX XXXX my wife got a XXXX  injury and was on XXXX for XXXX months they gave us a furlough and when we started paying our regular amount again to XXXX XXXX they made us a deal to take our mortgage higher and XXXX all the back fees into it they gave us a letter in XXXX to prove it we have it at the house then we found out in XXXX they were transferring fay mortgage and Faye is still asking for XXXX months of mortgage at XXXX but XXXX XXXX already upped our mortgage to XXXX it included all the late payments to XXXX keeps asking for like XXXX more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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:
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/2022 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 explanation