vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I wrote a request letter to XXXX XXXX by XXXX mail XX/XX/XXXX about a charge I seen on my credit report that was not my items For proof of contract They never sent me the proof that I had asked for Or any kind of documents instead, they sent me a settlement letter then I sent out another request for Original contract documents for this item that was posted on my credit report XXXX XXXX XXXX reported XX/XX/XXXX was on my credit report was then sold To a debt collector XXXX XXXXXXXX XXXX And re-posted With a XXXX balance charger off XX/XX/XXXX Again, instead of removing this fraudulent collection I Requesting this item be removed off my credit report still to date They never sent me proof I had requested for or any I would like this fraudulent charge off my Credit report removal I will be uploading proof off my request With Certify mail, return card, receipt of mailing and proof of letter and the letter I receive from XXXX, XXXX of settlement

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 2025-01-14 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: CO

Complaint narrative:
Inadequate Dispute Investigation- I am submitting this complaint against Experian for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. I am a victim of said lawsuit against Experian for not conducting a proper investigation. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Experian have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report. 

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Experian adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.

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 2025-01-14 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: GA

Complaint narrative:
I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear XXXX, TRANSUNION, XXXX, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear XXXX, XXXX, EXPERIAN, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
After reviewing my consumer reports, I was alarmed to find late payments listed on an account for which I have always paid on time. Consumer reporting agencies have a crucial responsibility to accurately represent consumer information, and it is essential that this information is reported with the highest level of accuracy. Specifically, I have never been late on payments for the account ( XXXX XXXX XXXX ), ACCOUNT # XXXX, which dated XXXX I kindly request a thorough investigation into this matter and ask for documentation that shows these payments were indeed late. If such proof can not be provided, I insist that these payments be updated to reflect the truththat they were made on time. 

Thank you.

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 2025-01-14 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: MS

Complaint narrative:
( DO NO OPEN A REINVESTIGATION ) ( I OBJECT TO A REINVESTIGATION ) I SENT DISPUTES TO THE CONSUMER REPORTING AGENCIES FOR ACCOUNTS THAT WERE INACCURATE, UNVERIFIED AND HAD INACCURACES IN THE PAYMENT HISTORY, STAUS DATE/DATE OF LAST ACTIVITY THAT WERE DIFFERENT BETWEEN ALL XXXX BUREAUS EQUIFAX, XXXX, AND TRANSUNUION THROUGH THE CFPB COMPLAINT PORTAL. THE CREDIT REPORTING AGENCIES RESPONDED BACK SAYING THAT THE ACCOUNTS I DISPUTED WERE UPDATED AND VERIFIED. I SENT A REQUEST FOR THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH ACCOUNT I HAD LISTED WHICH IS MY RIGHT UNDER THE FCRA. ( I OBJECTED TO ANOTHER REINVESTIGATION OF THE ACCOUNTS ) ( ALL I REQUESTED WAS THE METHOD OF VERIFICATION USED TO UPDATE AND VERIFY THE ACCOUNTS AS ACCURATE THAT MUST BE DONE WITHIN 15 DAYS OR THEY HAVE TO UPHOLD WHAT I REQUESTED IN MY DISPUTE TO THEM ABOUT THE ACCOUNTS ) THEY DID NOT GIVE ME THE METHOD VERIFICATION. THEY DID ANOTHER REINVESTIGATION ANYWAY AND JUST SAID THE ACCOUNTS WERE UPDATED AND VERIFIED. ( THEY MUST UPHOLD WHAT I REQUESTED IN MY DISPUTE TO THE BECAUSE THEY DID NOT GIVE ME THE METHOD OF VERIFICATION IN WHICH THEY ONLY HAD 15 DAYS TO COMPLETE AND GIVE TO ME ). SINCE ( THEY DID NOT PROVIDE THIS INFORMATION TO ME IN THE TIME ALLOWED, THE LAW HAS BEEN BROKEN. ) THEY ARE REQUIRED TO DO THIS AND WILL BE HELD LIABLE FOR INTENTIONALLY VIOLATING THE FCRA. DELETE THESE ACCOUNTS : ( STATEWIDE CREDIT UNUION ) ( XXXX FUNDING ) ( XXXX & XXXX ) -- -- -- UPDATE THE ENTIRE PAYMENT HISTORY FOR THIS ACCOUNT TO PAID ON TIME, PAID AS AGREED, NEVER LATE : ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AR

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I was alerted by XXXX of an account being used. When I looked, I saw a checking line of credit, used for overdraft protection, from Navy Federal Credit union, was being used and had a balance that lowered my credit score. This account has my name, my ex husbands name, and his current wifes name on it. I disputed the account on XXXX, and I called XXXX XXXX several times, and each time they told me they could not find this account with my name on it. The dispute was investigated but upheld by XXXX XXXX, so the account stayed on my credit report. I disputed a second time, but it was upheld again. I called XXXX XXXX again and was assured this account does not exist, yet it remains open on my credit report, and affects my XXXX XXXX every time the owners of the account use it. I am extremely frustrated by this process and lack of care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear EQUIFAX, XXXX, XXXX, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( LISTED XXXX TIMES LOOKS TO BE SAME ACCOUNT ) XXXX XXXX XXXX I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting. 
If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
All the debt they are trying to collect are not mine and continue to text call and send messages multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$440.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$770.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1700.00} NATIONAL XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$15000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Subject : Third Complaint to CFBP : Experians Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this third complaint regarding Experians repeated failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). Despite my multiple submissions of the required documentation as a victim of human trafficking, Experian continues to deny my request to block adverse information from my credit file.

Specifically, I have provided : A self-attestation letter signed by both myself and an authorized officer from an authorized agency.

A victim determination letter, also signed by myself and the authorized agency. 

These documents have been submitted to Experian on three or four separate occasions. While both XXXX and XXXX accepted the same documentation and blocked the adverse information as required under Section 605C, Experian has refused to do so. This has caused significant inconsistencies across my credit reports and continues to harm my financial standing. 

Experian has repeatedly sent me identical, automated responses, despite my compliance with all legal requirements for exercising my rights under the FCRA. It appears there has been no meaningful human review of my case, yet the only denial reason they give is for me to submit a victim determination letter even though I have sent it to them on numerous occasions I respectfully request that the CFPB : 1. Investigate the methods and tools Experian is using to determine its denial of my request to block adverse information.

2. Require Experian to conduct a human review of my case, as their automated responses fail to address the merits of my documentation and circumstances.

3. Ensure Experian complies with its obligations under Section 605C of the FCRA, as both XXXX and XXXX have already done. 

As a victim of trafficking, I should not be subjected to this repeated and unjust denial of my rights, especially after providing all required documentation multiple times. I urge the CFPB to intervene and hold Experian accountable for its obligations under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me.I have recently pulled my credit report and noticed tha there is a collection listing from your agency.

I have never been notified of this collection action of that I owe this debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money.from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activiy and remove it all together. 

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the allege debtor with promises to pay the original creditor. 
Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-14 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation