vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
In the 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. 

Original Creditor : XXXX XXXX XXXX Account # XXXX, Original Creditor : XXXX  XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-12-09 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: NC

Complaint narrative:
I have alot of errors on my credit and the companies can't verify it and will not delete it i say it's atleast XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I have alot of errors on my credit and the companies can't verify it and will not delete it i say it's atleast XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
VALIDATION AND CEASE AND DESIST PROFESSIONAL CREDIT MGMT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear PROFESSIONAL CREDIT MGMT I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be 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 2024-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries. 

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law.

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences.

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation.

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries.

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law.

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences.

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation.

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NY

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, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the following companies for what I believe to be harassment, potential violations of my consumer rights, and misuse of legal and communication practices : Midland Credit Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Complaint : Harassment through Frequent Calls : These companies have been calling me relentlessly, often daily, regarding alleged debts. Their persistent communication is causing significant stress and disruption to my life. 
Unlawful Legal Action : I recently learned that these companies filed a lawsuit against me in a state where I no longer reside. I was unaware of this lawsuit because I was not properly served with notice at my current address. A family member informed me that local police were contacted regarding this issue, which has caused me further distress and embarrassment.

Potential Violations of Federal Law : Under 15 USC 1681 ( a ) ( 3 ) of the Fair Credit Reporting Act and other applicable federal laws, I believe these companies may have engaged in improper practices, including : Harassment via excessive communication.

Filing lawsuits in improper jurisdictions, which appears to be a form of venue abuse.

Failing to provide me with adequate notice of their actions or validate the debts as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, my wife received a text alert about a {$26000.00} check and was asked whether or not to pay. Within 90 minutes we texted back and stated not to pay. The check was for estmated takes sent to the US Treasury, and the check had been stolen from a US Post Office, and forged. Chase paid the check and deducted it form my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance. 
Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report.

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance. 
Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report. 

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation