vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX and XXXX are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all other addresses are to be DELETED. You are putting me at risk for identity theft. XXXX especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX  as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **

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 2024-01-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 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

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 2024-01-27 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: FL

Complaint narrative:
In accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights 15 U.S.C 1681 section 602A, 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Furnishing and Reporting Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XXXX XXXX  Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " XXXX XXXX '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX : NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off XXXX XXXX : Remove account and negative remarks from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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:
Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : XXXX XXXX ( Account Number : XXXX XXXX ) 1 ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) 2 ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " Charge Off '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


ACCOUNT # 2 : XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Furnishing and Reporting Inaccurate Information 1 ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


ACCOUNT # 3 : LVNV FUNDING LLC ( Account Number XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
So I have submitted a dispute for colleges account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Midland credit Management. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. XXXX is in violation of the Privacy Act, FCRA, FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
this is specific to the payment history the mortgage company submitted in the previous complaint. 
# XXXX, XXXX # XXXX, XXXX, XXXX # XXXX # XXXX, XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, XXXX there are many they denied charging 2 times in one month. These are examples of just a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
xperian, XXXX, and XXXX have been reporting on my personal SSN credit report a collection account from XXXX XXXX XXXX from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, XXXX XXXX XXXX had harassed me via phone calls calling to collect a debt that I did not create or owe. The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. Aside from the the original creditor, XXXX XXXX XXXX, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.

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 2024-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
In the event of going through the process of purchasing a house the lender required me to settle an account with Wakefield and associates in the amount of XXXX. In the attempt to reconcile the above debt that is listed on my and my wifes credit report. My wife and I made multiple attempts to settle with Wakefield and associates. Every attempt ended in the same result. The result was none of the agents could find an account for the above amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: SC

Complaint narrative:
So I have submitted a dispute for colleges account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. Transunion is in violation of the Privacy Act, FCRA, FDCPA.

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 2024-01-27 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: TX

Complaint narrative:
Experian and XXXX continue to report a bankruptcy that has not been verified as accurate further more I have exclusive equitable interest in my intellectual property such as my name and any financial assets being used as negotiable instruments. Since Experian and XXXX are for profit financial institutions using my information to sell this is a violation of my copyrighted property.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have recently discovered that my credit information is not being updated or reported accurately. I kindly request that you review the information provided and ensure that my credit profile is updated correctly. Thank you for your attention to this matter. 
SSN # XXXX XXXX XXXX is associated with the address XXXX XXXX XXXX, XXXX, OH XXXX. 
As for XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion, and XXXX have been reporting on my personal SSN credit report a collection account from XXXX XXXX XXXX from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, XXXX XXXX XXXX had harassed me via phone calls calling to collect a debt that I did not create or owe. The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. Aside from the the original creditor, XXXX XXXX XXXX, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.

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 2024-01-27 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: TN

Complaint narrative:
The credit reporting agencies are not reporting factual inaccurate late payments ( see attachments & evidence )

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 2024-01-27 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: TN

Complaint narrative:
The credit reporting agencies are not reporting factual inaccurate late payments ( see attachments & evidence )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TN

Complaint narrative:
The credit reporting agencies are not reporting factual inaccurate late payments ( see attachments & evidence )

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 2024-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We inquired about a home equity loan on or approx XX/XX/XXXX ( paperwork attached ). 
I was adamant in not refinancing our current mortgage to the representative [ XXXX XXXX XXXX XXXX # XXXX. ] Despite me stating the same he did not disclose he was a mortgage banker with the refinance sector. He deceptively led me to believe we were working on an equity loan. Only when I received paperwork regarding a " refinance denial '' did I have to ask to be sent to the equity loan department. I never approved a credit pull of my data knowing this would hinder points for other loan options. 
I was forwarded to [ XXXX XXXX XXXX # XXXX ] who was to aide in the equity application process. He began calling at erroneous hours/days ( see calls others requested from XXXX ). He was very egregious when I asked questions on my end. I began to email instead in order to have a paper copy of events. He proceeded to coerce me into uploading documentation under the impression that " all looks well. '' He continuously asked me verify finances regardless of the concerns I presented. It felt borderline harassment when he called me 2-3 times in one day. 
On XX/XX/XXXX he had me merge calls with my fianc to close the loan and he pulled my credit to only state I didn't have the correct credit score although he stated I " was good to go '' and I needed to wait for a late payment to be " seasoned '' from XX/XX/XXXX. He led me to believe everything was copasetic. On his email dated XX/XX/XXXX he once again stated we should be " in overall good shape. '' While on this way call he rapidly asked us to pull our credit. He did so and it allegedly came back ( XXXX ) points too low. This I assume is due to the prior unauthorized pull of XXXX XXXX under the same pretense. After-fact I requested the credit report he used for this conclusion and he stated he could not provide this to me. I am now being bombarded with solicitations offering me home equity loans. I am led to believe rocket mortgage shared my information without consent. This is an uneasy feeling with my current loan servicer. We were under duress in order to get a loan to upgrade our home and pay off debts and are now faced with no other options. I would like this to be reviewed and considered as potentially deceptive practice.

Company response to consumer: Closed with explanation