vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: AL

Complaint narrative:
I am contacting you for the second time regarding inaccurate information in my credit report provided by Equifax. Specifically, I am referring tXXXX XXXX XXXX Account Number : XXXX XXXX which reflects late payments for XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Equifax and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Equifax says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Equifax. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3600.00} XX/XX/XXXX NOT PPROVIDED XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer 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 2024-09-26 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 am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
I was so surprised when I checked my credit report and it has these inquiries that I don't remember ever approving or permitting to be reported on my file. I do not recognize these and they don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX  has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-09-26 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: FL

Complaint narrative:
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  Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MS

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-26 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING # XXXX This account can not have a past due balance as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my EXPERIAN Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number 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 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
The amount they are requesting I owe is the balance remaining of {$460.00}. The company I have an account with has been paid in full from the date I was approved for the service. I have no idea how this collection company received this information. This service I required was a requirement to complete my application in underwriting in order to close on the asset I was purchasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MS

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have no idea of this collection or the original creditor. I believe that this collection is on my credit report as a fraudulent means and must be deleted permanently. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Pursuant to the XXXX Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 
If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXXXXXX XXXXXXXX Attorney XXXX XXXX and the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief