vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date : XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Formal Dispute of Medical Collection Account Dear First Federal Credit Control, I am writing to formally dispute the accuracy and validity of a medical collection account listed on my credit report under the name of your agency, First Federal Credit Control XXXX I recently became aware of this account, and I am challenging its reporting as I believe it to be inaccurate and potentially in violation of several federal laws. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, your company has a legal obligation to ensure the accuracy of the information you furnish to credit reporting agencies. I request that you provide full validation of this debt, including : 1. A copy of the original signed agreement or contract from the original creditor, the FL XXXXXXXX XXXX XXXXXXXX, verifying that I owe this debt. 
2. A detailed explanation of how this account was verified by your company, including any supporting documentation.

3. Any relevant medical billing information that complies with the Health Insurance Portability and Accountability Act ( HIPAA ) privacy laws, which limit the disclosure of medical details to third parties such as credit reporting agencies. 
In addition to the FCRA and HIPAA, the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, requires that a debt collector provide validation of a debt upon request. 
Therefore, I am requesting that you cease all collection efforts until proper documentation is provided to me and this matter is resolved. Failure to provide such documentation within 30 days will result in a demand for immediate removal of this account from my credit report. 
Please be aware that failure to comply with these federal laws will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA, FDCPA, and HIPAA. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
I expect a prompt and thorough response within 30 days, providing the requested validation or removal of this account. If this account can not be properly validated, I demand that it be deleted from all credit reporting agencies immediately. 
Thank you for your immediate attention to this matter. 
SincerelyXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
CFPB took no action to resolve current government programs elebilities master 's visas transfers identities lifelines match Data corrections regarding email mobile numbers and active devices headset wireless profile components connection real time watch reporting XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I was shocked this morning when I saw incorrect accounts on my credit report. I cant understand how this could have happened. I check my credit report regularly, and everything was fine until nowsuddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. Im urging for the documents Ive submitted to be thoroughly checked so I dont have to deal with this kind of stress ever again.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is not in compliance with 15 USC 1681 e and not congruent with the other credit agencies ( XXXX and XXXX ) not reporting a bankruptcy on 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 non-monetary relief
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( 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 XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2024-10-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( 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 XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This is a deprivation of my rights and a violation of my privacy, as well. This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and fraudulent credit inquiries listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
I am writing about multiple collection accounts reported by XXXX XXXX XXXX, which I have previously disputed as fraudulent. These accounts are as follows : Account number XXXX in the amount of {$2800.00} Account number XXXX in the amount of {$2300.00} I must emphasize that these accounts are the result of aggravated identity theft, and I did not give anyone permission to report any information regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I informed you that these collection accounts were fraudulent and requested that they be blocked from my credit report. 

Despite this, you have not blocked the accounts and instead claim that they have been verified. I am formally requesting a detailed explanation of how this verification was conducted. As these are collection accounts resulting from identity theft, I have not signed any agreement or contract related to these debts, nor have I authorized them in any way. 

Under the FCRA Section 611, I am entitled to know the specific method of verification and who exactly verified these accounts. Since no documentation exists to prove my liability for these debts, I demand that you immediately delete both collection accounts from my credit file. 

Should you fail to remove these accounts, I am prepared to file suit and seek statutory damages of {$1000.00} per violation, as permitted by the FCRA. I trust you will take the necessary steps to ensure these fraudulent accounts are deleted promptly. 

Please provide written confirmation of the deletion of these collection accounts within the required legal timeframe.

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 2024-10-03 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: OH

Complaint narrative:
Child support is reporting this account this inaccurate accounts on my consumer reports. I do not owe a balance, this inaccurate account has caused my credit score to drop over 100 points which has hurt my ability to obtain credit. 

Ohio Dept of Human Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
Child support is reporting this account this inaccurate accounts on my consumer reports. I do not owe a balance, this inaccurate account has caused my credit score to drop over 100 points which has hurt my ability to obtain credit. 

Ohio Dept of Human Services

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 2024-10-03 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: FL

Complaint narrative:
See the attached-I was penalized by XXXX points to my score for a credit increase of {$190.00}. But I was not award any points to my score when I had a credit decrease of {$420.00}. This hardly seems logical or fair. It's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2024-10-03 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:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( 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 THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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