vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
This account is a result of fraud! After Reinvestigation After Reinvestigation I'm challenging this account on factual bases.I am writing to formally dispute the inaccurate information that remains on my credit report following a recent reinvestigation. Despite my previous dispute, which was allegedly verified by the data furnisher, the information remains incorrect and non-compliant with Metro 2 standards and consumer protection laws.Inaccurate Information : Account Name/Number : XXXX XXXXXXXX XXXXReported Inaccuracy : The account is reported as " Charge-off '' with an amount past due of {$12.00}. Additionally, the payment history indicates that only 81 % of payments have been made on time.Reason for Dispute : This information is incorrect. The account should not be listed as a " Charge-off '' as the payment history is inaccurately reported, suggesting incomplete or erroneous data. Legal Basis for Dispute : According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, credit reporting agencies must ensure maximum possible accuracy in the information they report. The proof that I am submitting shows even after reinvestigation EQUIFAX is still reporting inaccuracies. The continued presence of inaccurate data on my credit report violates these standards. Specifically : Metro 2 Compliance : The Metro 2 format requires accurate and timely reporting of payment histories. The discrepancies in the payment history of the XXXX XXXX XXXX account violate this requirement.Fair Credit Reporting Act ( FCRA ) Compliance : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), The persistence of inaccurate data indicates a failure to meet this standard.Given the failure to comply with these legal standards, I demand the deletion of the inaccurate information regarding the XXXX XXXX XXXX account from.Lastly XXXX honored there obligations and delete this item EQUIFAX must do the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have a lot of collections on my credit and a open auto loan that I need removed off my credit because they are 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 2024-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Autovest, L.L.C.
State: OH

Complaint narrative:
I was sued by XXXXXXXX XXXX XXXXXXXX for an old auto loan debt. After a year in court, they won a summary judgement against me in the amount of XXXX and agreed in writing to a payment schedule of XXXX per month until the debt was paid off. I made my first payment before the due date and received a letter threatening to proceed with a wage garnishment.

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 2024-06-16 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX Block Request Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that XXXX  XXXX XXXX XXXX Account Number XXXX please remove it from my credit report XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  XXXX  XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX Block Request Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that XXXX XXXX XXXX XXXX Account Number XXXX please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter 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 non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
The company is trying to extort money from me via collection. I have never signed a contract with this company nor have I ever spoke to them about this money. They failed to show me where I signed a contract with them. Plus they failed to verify or validate this amount with me in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: AL

Complaint narrative:
I "XXXX XXXX XXXX", is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-06-16 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: UT

Complaint narrative:
I've reached out to Experian XXXX dept and was told this information is accurate. Experian needs to needs to disclose to me this information of this fraudulent reporting. I've submitted my FTC report. XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information You are in violation of the Fair Credit Reporting Act ( FCRA ), [ XXXX ( a ) XXXX ( f ) ( i ) XXXX ( c ) Furnishingreportsinconnectionwithcreditorinsurancetransactionsthat are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any persona record of inquiries in connection with a creditor insurance transaction that is not initiated by a consumer XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-06-16 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: AL

Complaint narrative:
I " XXXX XXXX XXXX  ", is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.

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 2024-06-16 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Addendum to complaint filed XX/XX/24 at XXXXXXXX XXXX COMPLAINT ID : XXXX Submitted XX/XX/24 This morning, XX/XX/24 I contacted XXXX XXXX  XXXXXXXX XXXX @ ( XXXX ) XXXX. 
regarding the alleged insufficient funds per XXXX, of Ally bank. At XXXX XXXX I/ spoke to XXXX and explained how XXXX of ALLY bank had informed me that since XXXX hadn't cashed in their XXXX mortgage payment. That my account had insufficient funds. I apologized for the inconvenience. XXXX said she did not understand because according to her records their billing was showing already credited. Now i'm really confused. 

I logged onto Ally bank and checked the activity on my checking account ending in XXXX. 
I didn't see any transaction for XXXX. I did see XXXX XXXX  listed on my bank summary. 

I delved further into Ally 's Bill pay section and I found XXXX transaction credited XXXX copied the inormation and can provide a copy on request.

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 2024-06-16 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: GA

Complaint narrative:
This account is a result of fraud! After Reinvestigation After Reinvestigation I'm challenging this account on factual bases.I am writing to formally dispute the inaccurate information that remains on my credit report following a recent reinvestigation. Despite my previous dispute, which was allegedly verified by the data furnisher, the information remains incorrect and non-compliant with Metro 2 standards and consumer protection laws.Inaccurate Information : Account Name/Number : XXXX XXXXXXXX XXXXReported Inaccuracy : The account is reported as " Charge-off '' with an amount past due of {$12.00}. Additionally, the payment history indicates that only 81 % of payments have been made on time.Reason for Dispute : This information is incorrect. The account should not be listed as a " Charge-off '' as the payment history is inaccurately reported, suggesting incomplete or erroneous data. Legal Basis for Dispute : According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, credit reporting agencies must ensure maximum possible accuracy in the information they report. The proof that I am submitting shows even after reinvestigation Experian is still reporting inaccuracies. The continued presence of inaccurate data on my credit report violates these standards. Specifically : Metro 2 Compliance : The Metro 2 format requires accurate and timely reporting of payment histories. The discrepancies in the payment history of the XXXX XXXX XXXX account violate this requirement.Fair Credit Reporting Act ( FCRA ) Compliance : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), The persistence of inaccurate data indicates a failure to meet this standard.Given the failure to comply with these legal standards, I demand the deletion of the inaccurate information regarding the XXXX XXXX XXXX account. Furthermore XXXX Deleted this account under the FCRA I demand Experian do the same

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