vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-12 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:
I have been a victim of identity theft at least 3 times and noticed that I have quite a few things on my credit report that do not belong to me. I have disputed with XXXX for years to remove and they did not. I have asked for proof that the debts belong to me and have gotten nothing. I have been reaching out since XX/XX/year>. Please help me to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am disputing the collection account with XXXXXXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/year>, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXXXXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute an account reported by Absolute Resolutions Inv on my credit report.

This account contains numerous inaccuracies, unverifiable information, and unauthorized access to my credit file, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the CFPBs intervention to ensure this matter is resolved and my rights as a consumer are protected. Below are the details of the account and the discrepancies : Account Details Creditor Name : Absolute Resolutions Inv Discrepancies and Violations : 1. Balance Mismatch : This stark inconsistency violates FCRA Section 607 ( b ), which requires maximum possible accuracy in credit reporting.

2. Credit Limit Discrepancy : These conflicting figures create an inaccurate credit utilization rate.

3. Payment Status Conflicts : Each bureau reports a different payment status. 4. Incomplete Payment History : Th
ese inconsistencies further indicate unverifiable and unreliable information.

5. No Contractual Relationship : I have never signed or agreed to any contract with Absolute Resolutions Inv. Reporting an account without a valid agreement between me and the reporting entity violates FCRA Section 607 ( b ).

6. Unauthorized Credit Access : Under FCRA Section 604 ( 15 USC 1681b ), Absolute Resolutions Inv is required to obtain explicit written consent to furnish or obtain my credit information. I never provided such consent. If any such authorization exists, I demand immediate documentation of this consent. Otherwise, this constitutes a violation of federal law.

7. Unverified Reporting : Absolute Resolutions Inv has not provided sufficient documentation to validate this account, including proof of ownership, original creditor details, and chain of custody for the debt. This violates FDCPA Section 809 ( b ) and FCRA Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and 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 deleted. 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 liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-12 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: Nelnet, Inc.
State: TX

Complaint narrative:
I do not recognize any of the reporting charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-01-12 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:
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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit report due to inaccurate information, lack of verification, and non-compliance with consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX : {$330.00} Credit Bureau Reporting : Equifax Issues and Violations 1. Inaccurate and Unverifiable Information The account status is reported as closed, but there is no clarity on whether the account has been resolved. The balance owed remains at {$330.00}, but no payment history is reported.

FCRA Section 1681i ( a ) ( 1 ) requires accurate and complete reporting, but the account fails to meet this standard, rendering it unverifiable.

2. Dispute Status and Lack of Documentation The account is reported as disputed, with a reinvestigation in progress. However, no verification has been provided, and the account remains open despite this dispute. According to FCRA Section 1681i ( a ) ( 5 ), if an account is disputed and can not be verified, it must be deleted.

3. No Payment History or Past Due Amount No payment history or past due amount is reported. This missing information violates FCRA Section 1681e ( b ), which mandates the accurate reporting of payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

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 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 2025-01-12 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: AZ

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 non-monetary relief
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : TransUnion XXXX XXXX, and XXXX XXXX and Violations XXXX. XXXX XXXX XXXX Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : TransUnion : XX/XX/2024 XXXX : XX/XX/2024 XXXX : XX/XX/2024 These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).

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 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : XXXX XXXX Experian, and XXXX XXXX and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : XXXX : XX/XX/year> Experian : XX/XX/year> XXXX : XX/XX/year> These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).

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 2025-01-12 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:
Dear CFPB, I am writing to formally dispute the continued reporting of a XXXX XXXX  account on my Experian credit report. This account contains significant inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Specifically, this account, opened in XXXX, is still being reported in XXXX, exceeding the 7-year limit for reporting negative information as mandated by FCRA Section 605 ( a ). 

Additionally, this account has already been removed by XXXX and XXXX, further highlighting inconsistencies in reporting and Experians failure to adhere to federal regulations. 

Below, I have outlined the specific FCRA violations and requested actions for resolution : Inaccuracies : The account opened in XXXX and is still being reported on Experian in XXXX, exceeding the 7-year reporting limit mandated by FCRA Section 605 ( a ).

This account has already been removed by XXXX and XXXX. 
FCRA Violation : Section 605 ( a ) ( 7-Year Reporting Limit ) and Section 611 ( Verification ). Section 605 ( a ) limits the reporting of negative information to a maximum of 7 years from the date of the first delinquency. 

The continued reporting of this account on Experian violates this provision.

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