vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: WI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry List : XXXX XXXX FOR XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite multiple requests for correction, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Additionally XXXX and XXXX reflect that all payments on this account were made on time, with no late payments reported. However, Experian continues to indicate that there were late payments on this account. This inconsistency is adversely affecting my credit standing, as Experian is the only bureau reporting a negative payment history on this account. 
I am entitled to have inaccurate information removed from my credit report. Given that both XXXX and XXXX have confirmed that my payments were made on time, I request that Experian align my report to accurately reflect my positive payment history. Please investigate this matter and update my report to remove the erroneous late payment status. 

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 


I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
My personal information was sold to a third party that is attempting to collect this debt. The amount i was informed that was owed on the account was not the correct amount the loan was originally for, and has jumped hundreds of dollars due to unknown fees. The contact information on that account is not current including the address linked to this account. No mail has been forwarded to new address from this company. I was not given proper notification regarding the debt nor is the amount of the debt correct. The account was closed, the account has now been reopened. When have attempted to locate the account on the website of the loan company, the account is not able to be signed into.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject XXXX Request for Debt Validation Dear XXXX, XXXX XXXX XXXX XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15days, as required by law. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-11-14 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: GA

Complaint narrative:
All these companies reported Inquires and Incorrect Information ( 15 USC 1681 ) to XXXX, Equifax, XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Equifax has a closed account listed as XXXX for {$9100.00} which says Charged Off and that is a " certificate of indebtedness '' which is considered income, and income can't be reported. XXXX has a closed account listed by XXXX XXXX  XXXX  for {$25000.00} and late 60 days. XXXX XXXX Equifax have a closed account listed by XXXX XXXX for {$390.00}. XXXX has a closed account listed by XXXX XXXX  XXXX  for {$8500.00} and 30 days late. XXXX, Equifax, and XXXX have a closed account listed by XXXX XXXX XXXX for {$250.00}. XXXX and XXXX have a Charged Off account " certificate of indebtedness '' " Income '' listed by XXXX XXXX  XXXX XXXX for {$7300.00} reported twice. Equifax has a closed account listed by XXXX XXXX for {$15000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. Equifax has a closed account listed by XXXX XXXX for {$27000.00}. XXXX, Equifax, XXXX have XXXX XXXX XXXX XXXX 's listed for {$210.00}, {$2300.00}, {$530.00}, {$1600.00}, {$1800.00}, which are all illegal to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All these companies reported Inquires and Incorrect Information ( 15 USC 1681 ) to XXXX, XXXX, Experian : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. XXXX has a closed account listed as XXXX for {$9100.00} which says Charged Off and that is a " certificate of indebtedness '' which is considered income, and income can't be reported. XXXX has a closed account listed by XXXX XXXX XXXX for {$25000.00} and late 60 days. XXXX XXXX XXXX have a closed account listed by XXXX XXXX for {$390.00}. XXXX has a closed account listed by XXXXXXXX XXXX XXXX for {$8500.00} and 30 days late. XXXX, XXXX, and Experian have a closed account listed by XXXX XXXX XXXX for {$250.00}. XXXX and Experian have a Charged Off account " certificate of indebtedness '' " Income '' listed by XXXX XXXX  XXXX XXXX for {$7300.00} reported twice. XXXX has a closed account listed by XXXX XXXX for {$15000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. XXXX, XXXX, Experian have XXXX XXXX XXXX XXXX 's listed for {$210.00}, {$2300.00}, {$530.00}, {$1600.00}, {$1800.00}, which are all illegal to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-14 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: GA

Complaint narrative:
In accordance with the Federal Credit Reporting act. The list of accounts has 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 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 15 U.S.C 1681 SECTION 602 A.STATES I have the right to privacy.

15 U.S.C. 1681 604 A SECTION2 : 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 ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Federal Credit Reporting act. The list of accounts has 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 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 15 U.S.C 1681 SECTION 602 A.STATES I have the right to privacy.

15 U.S.C. 1681 604 A SECTION2 : 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 ) ( 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.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted all three credit bureaus ( XXXX, XXXX, and Equifax ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXXXXXX XXXX XXXX XXXX reported this account. Upon Contacting XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that XXXX report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXXXXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted all three credit bureaus ( XXXX, Experian, and XXXX ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXX XXXX XXXX XXXX reported this account. Upon Contacting XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that XXXX report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.

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