vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies ( XXXX XXXX, and XXXX  ) are reporting inconsistent and/or inaccurate information for the same account. 

Account Name : Portfolio Recovery Account Type : Collection Account Number ( Last 4 digits ) : XXXX The reported information differs among the credit bureaus. For example : XXXX  : Account number XXXX XXXX XXXX Last Activity - XX/XX/year>XXXX XXXX 78 % of payments made on time XXXX Status Open XXXX XXXX Account number XXXX XXXX XXXX  Last Activity - XXXX 0 % of payments made on time - Status Closed XXXX  : Account number - XXXX XXXX Last Activity - XX/XX/year> - no payment history - Status Open This inconsistent reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( Section 611 ), which requires credit reporting agencies to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information.

What I have already done I disputed this account directly with the credit bureaus and provided supporting documentation proving the correct status of the account. However, the information remains inaccurate and inconsistent.

Each bureaus verified as accurate response lacks supporting documentation as required under FCRA 611 ( a ) ( 7 ) ( Method of Verification ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting this 7th expedited follow-up complaint regarding fraudulent items reported on my credit file. While I acknowledge that some items have been removed, there remain accounts that were opened without my authorization and continue to negatively affect my creditworthiness. I am requesting that Experian, Equifax, and TransUnion immediately remove all fraudulent and unauthorized items. 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), I have the right to request disclosure of all information contained in my credit report, including the sources of each item. Investigation of these accounts shows they were opened without my consent and therefore can not be verified as accurate or authorized.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am entitled to request permanent blocking of information that results from identity theft or fraud. The continued reporting of these fraudulent accounts violates this provision, as they are clearly the result of unauthorized use of my personal information.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum accuracy of the information they report. Reporting these fraudulent accounts demonstrates failure to follow reasonable procedures, which materially harms my credit profile.

Furthermore, under FCRA 616617 ( 15 U.S.C. 1681no ), I am entitled to take legal action if a credit reporting agency willfully or negligently continues to report inaccurate information, including items resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am submitting this XXXX expedited follow-up complaint to formally dispute and demand the immediate removal of fraudulent accounts appearing on my credit report, which are the result of identity theft. Enclosed is a copy of my official Identity Theft Report, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). These accounts were not opened or authorized by me, and their presence on my credit file is inaccurate, misleading, and severely damaging to my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple dates in XXXX ) Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute any information I believe is inaccurate, fraudulent, or unverifiable. The credit bureaus are required to conduct a reasonable and thorough reinvestigation within 30 days, and any information that can not be verified must be deleted permanently. 
Further, FCRA 607 ( b ) mandates that credit reporting agencies ensure maximum possible accuracy of all information reported. Reporting these fraudulent accounts violates this requirement and undermines the purpose of the FCRA as outlined in 602, which protects consumers from credit file inaccuracies. Additionally, FCRA 623 ( a ) ( 2 ) obligates furnishers to correct, update, or delete any information determined to be inaccurate once notified of a dispute.

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 2025-10-28 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: MD

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy under the Fair Credit Reporting Act. These errors have caused ongoing harm to my credit and financial standing.

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 2025-10-28 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: AR

Complaint narrative:
I am submitting to formally dispute and request a thorough investigation into several items that appear inaccurately on my credit report. After carefully reviewing my file, I have identified entries that I believe are either incomplete, incorrect, or not properly verified. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my right to dispute any information in my credit file that I believe to be inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA Section 611 ( 15 U.S.C. 1681i ), the 3 Credit Bureaus are required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice. I respectfully request that you verify each disputed item directly with the original creditor or data furnisher and remove or correct any information that can not be fully substantiated.

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 2025-10-28 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 am submitting to formally dispute and request a thorough investigation into several items that appear inaccurately on my credit report. After carefully reviewing my file, I have identified entries that I believe are either incomplete, incorrect, or not properly verified. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my right to dispute any information in my credit file that I believe to be inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA Section 611 ( 15 U.S.C. 1681i ), the 3 Credit Bureaus are required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice. I respectfully request that you verify each disputed item directly with the original creditor or data furnisher and remove or correct any information that can not be fully substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX I realized I lost or had my card stolen. I then noticed that a {$980.00} transaction was used on my account that was listed as a cash advance so it included extra charges. I immediately called and reported the fraud. 

On XX/XX/XXXX I receive a note that says my claim was denied. 

This is wrong because I never made this charge or let anyone use my card.

Under the FCBA ( 15 U.S.C. 1666 ), a credit card issuer can not hold you responsible for unauthorized charges if you report them promptly ( usually within 60 days of the statement showing the charge ).

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 monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
I am submitting this formally dispute several inaccuracies and obsolete information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Dispute inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Furnishers duty to correct and update information ; FCRA 623 ( b ) Furnishers duty to investigate disputes ; and FCRA 602 Congressional findings emphasizing accuracy, fairness, and integrity in credit reporting. The items listed below contain errors that misrepresent my credit history, account status, and personal information. I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
I am submitting this formally dispute several inaccuracies and obsolete information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Dispute inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Furnishers duty to correct and update information ; FCRA 623 ( b ) Furnishers duty to investigate disputes ; and FCRA 602 Congressional findings emphasizing accuracy, fairness, and integrity in credit reporting. The items listed below contain errors that misrepresent my credit history, account status, and personal information. I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-28 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: PA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, PA 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 2025-10-28 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:
I am submitting this formally dispute inaccurate and misleading accounts currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Disputing inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Furnishers duty to correct and update information ; FCRA 623 ( b ) Furnishers duty to conduct a reasonable investigation once a dispute is filed ; and FCRA 602 Congressional findings emphasizing the importance of accuracy, fairness, and integrity in credit reporting. The items listed below contain errors or incomplete information, and I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am submitting this formally dispute inaccurate and misleading accounts currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Disputing inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Furnishers duty to correct and update information ; FCRA 623 ( b ) Furnishers duty to conduct a reasonable investigation once a dispute is filed ; and FCRA 602 Congressional findings emphasizing the importance of accuracy, fairness, and integrity in credit reporting. The items listed below contain errors or incomplete information, and I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX 2025

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