vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TN

Complaint narrative:
Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXX XXXX Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.

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 2024-11-20 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXXXXXX XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2024-11-20 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: LA

Complaint narrative:
TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy. 

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX, La XXXX XXXX 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Subject : Request for Verification of Accounts To whom this must concern : I am writing to formally dispute certain accounts listed on my credit report as of [ insert date of report ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you verify the following accounts : XXXX. XXXX XXXX Acct # XXXX XXXX. Midland Credit ManagementXXXX Acct # XXXX XXXX. Midland Credit Management- Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXXXXX Under 15 U.S. Code 1692c, I am entitled to dispute these debts and request validation of the abovementioned accounts. Moreover, under 15 U.S. Code 1692 ( e ) ( 3 ), it is unlawful for any debt collector to mislead or deceive consumers regarding the legal status of any debts. 

Further, pursuant to 15 U.S. Code 1681i, you are required to conduct a reasonable investigation when I request verification of the accuracy of information in my credit report. If these accounts can not be verified as accurate within the required time frame, I expect them to be deleted from my credit report. 

Please respond in writing with verification of the above-listed accounts within 30 days of receiving this letter. If verification can not be provided, I kindly request the removal of these accounts that are still reporting with a balance from my credit report to comply with federal regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : LVNV Funding LLC Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, XXXX XXXX XXXX XXXX through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached Settlement Agreement and Release of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, LVNV Funding LLC, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed this account several times in request to receive information from the original creditor. They are listed on my report as the original creditor and that in itself is FALSE. On each occasion I receive no information and the dispute is updated as not changed. This account reappears on my credit report each year with a new date in May and I have had no correspondence with the original creditor or them. With this information I can prove satisfactory payment to the original creditor which is NOT what is listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
In early year 2024, I discovered an account from XXXX XXXX on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.

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 2024-11-20 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: American Student Assistance
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

1. Proof that the original creditor securitized the debt.

2. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Clarification of Loan Reporting by XXXX XXXXXXXX XXXX and MOHELA Dear Resolution Department, I am writing to address an issue with the reporting of my student loan accounts, which I believe requires clarification. It appears that the same loan is being reported under two separate entitiesMissouri Higher Education and MOHELA ( XXXX  XXXX XXXX XXXX XXXX ). 

XXXX  XXXX XXXX and MOHELA are effectively the same organization, with MOHELA serving as the loan servicing entity. However, the current reporting reflects them as separate loans, inaccurately duplicating the account information. 
To resolve this matter, I kindly request the following : Confirmation of account details : Please confirm that the loan serviced by XXXX  XXXX XXXX, as reported by XXXX under account number ending in XXXX with an outstanding balance of {$120000.00}, and the loan serviced by MOHELA under account number ending in XXXX with the same outstanding balance of {$120000.00}, are indeed the same account. The current reporting makes it appear as though I have two separate student loans with a combined outstanding balance of {$250000.00} when, in fact, I only have one loan with a balance of {$120000.00}, serviced by MOHELA ( formerly known as Missouri Higher Education ). 

Correction of duplicate reporting : When Missouri Higher Education transitioned to MOHELA, the credit bureaus failed to delete the old account and are still reporting it under Missouri Higher Education. XXXX continues to report the incorrect information for the account ending in XXXX, which no longer exists. Instead, MOHELA replaced the account with a new account number. Despite my previous dispute communication to XXXX, this error has not been corrected. 

Update of credit records : I request that the duplicate reporting be corrected to reflect only one loan and that the relevant credit reporting agencies update their records to ensure accuracy. 

This discrepancy has caused significant confusion and negatively impacted my credit score and debt-to-income ratio, hindering my ability to apply for a home loan. I appreciate your prompt attention to this matter and look forward to a resolution. 

If you require additional information or documentation to verify my account, please do not hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Unauthorized Account Reporting** Dear Equifax, I am writing to formally dispute the reporting of an account on my credit report that is both inaccurate and unauthorized. My credit report dated XX/XX/XXXX, indicates negative items related to an account that has been closed for over two years.

I would like to clarify that I do not authorize the inclusion of this closed account on my credit reports. Specifically, the negative report seems to relate to an account that should no longer be visible. Since it has been over two years since the account was closed, it should not appear on my report. 

As per the Fair Credit Reporting Act, I request that you conduct an investigation regarding this matter and remove all items related to the closed account from my credit report. Below are the details from my credit report : - **Report Date : ** XX/XX/XXXX - **Credit File Status : ** Security Freeze in Place - **Average Account Age : ** XXXX XXXX XXXX XXXX - **Length of Credit History : ** XXXX XXXX XXXX XXXX  - **Oldest Account : ** XXXX | XX/XX/XXXX - **Most Recent Account : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - **Accounts with Negative Information : ** 1 Please find attached copies of any relevant documents supporting my dispute.

I look forward to your prompt response and resolution of this matter. You may reach me at XXXX or by email at XXXX if you require any further information or clarification. 

Thank you for your attention to this urgent matter. 

SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
Recently, upon checking of my credit report, I can't help but notice that my report contains incorrect personal information, which seems to be leading to the appearance of an unknown account that I dont recognize and that is inaccurate. This situation has been causing unnecessary confusion and concern for me.

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