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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information under USC 15 1681i Dear, Equifax, I am writing to dispute the accuracy of information on my credit report as allowed under USC 15 1681I of the Fair Credit Reporting Act. i have reviewed my credit report and found inaccurate and other incomplete information that needs to be corrected or removed immediatiely. 

XXXX. XXXX XXXX XXXX. 

This account has been deleted by other bureas, as inaccurate. 
I request a thorough investigation in this matter and prompt correction or removal of the disputed items. Please note that I have enclosed copie of the following documents for your review. 

Additionally I request that you provide me with a written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the corrected information. 

Please complete your investigation within the time period specified by law. Should you require any further information, feel free to contact me using the information provided above. 

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: TX

Complaint narrative:
YOUR COMPANY IS REPORTING AN ACCOUNTFOR ( {$900.00} ) THAT IS INACCURATE, UNVERIFIED AND PAST THE STATUE OF LIMITATIONS, PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. IF THIS ACCOUNT IS NOT DELETED WITHIN XXXX DAYS I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR EVERY MONTH IT HAS BEEN REPORTING ON MY CONSUMER REPORT. UP TO {$1000.00} PER VIOLATION. YOU HAVE XXXX DAYS TO DELETE THIS ACCOUNT. ( DO NOT TRY TO EXPLAIN THAT YOU ARE CONTRACTED TO COLLECT FOR ANOTHER COMPANY, I WILL BE SEEKING LEGAL ACTION AGAINST YOUR COMPANY BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
IMMEDIATE ACTION REQUIRED UNDER FCRA 623 CODIFIED AT [ 15 U.S.C. 1681s-2 ] DEMAND FOR REMOVAL OF FRAUDULENT/INACCURATE INFORMATION Dear Experian, This letter serves as a formal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ] regarding fraudulent and/or inaccurate information reported on my credit file. The inclusion of this erroneous data has caused unwarranted harm to my creditworthiness and financial reputation, and immediate corrective action is required. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above-listed accounts are either fraudulent or inaccurate, and I demand their immediate investigation and removal from my credit report. 

As stipulated under FCRA guidelines, you are legally required to conduct a thorough investigation and respond to this dispute **within XXXX days of receiving this correspondence. Additionally, I reserve the right to pursue legal remedies as necessary. 


I demand written confirmation of the actions taken to resolve this matter, along with all findings and any supporting documentation obtained during your investigation. This includes verification of the accuracy of the disputed information or confirmation of its removal from my credit report.

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

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach across all three bureaus Equifax, XXXX, XXXX. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from Equifax or any other bureau. I want all derogatory items erroneous, etc removed within XXXX days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. There are several inquiries and accounts that dnt belong to me. I didnt authorize

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XXXX Date Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Experian not properly investigating consumer reports To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the XXXX XXXX breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

XXXX. XXXX XXXX XXXX  XXXX** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX*Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** XXXX these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX Charge-off Account** - **Balance : ** {$6200.00} - **Issue : ** Late payments reported for XXXX through XXXX. 
- **Correction Requested : ** XXXX these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX Charge-off Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX  XXXX  XXXX  XXXX** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

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 2025-01-12 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I sent them a letter and they did not respond or delete.

Company public response: Company disputes the facts presented in the complaint
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX  XXXX  Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent 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 2025-01-12 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: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the 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 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently received my Clarity Credit Report on XX/XX/XXXX of XXXX. I've noticed that Clarity is reporting several accounts that doesn't belong to me at all. I've noticed addresses that I never lived at attached to accounts i never authorized. 
XXXX ) Account # XXXX XXXX XXXX Holdings is a Fraudulent account. It has a address that i never lived at ever - Remove this Fraudulent account IMMEDIATELY off my Clarity Credit Report. 
XXXX ) Account # XXXX XXXX XXXX XXXX  is a Fraudulent Account. I never authorized nor have I ever applied for this account. It also has a address that I have never lived at ever. - Remove this Fraudulent account IMMEDIATELY off of my Clarity Credit Report. 

My Clarity Credit Report has XXXX Names associated with my XXXX XXXX. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX The ONLY and One Correct name that should be on my Clarity credit report is XXXX XXXX XXXX. 
XXXX ) My Clarity credit report has XXXX different birthdays on my credit report. XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Remove all XXXX XXXX and Update only XXXX XXXX to XX/XX/XXXX. 
XXXX XXXX My Clarity Credit Profile has over XXXX addresses that I have never lived at nor have any association with me. Please remove all XXXX addresses and update only XXXX address to XXXX XXXX XXXX XXXX XXXX MI XXXX. 

See All Attached Supporting documentations ( Clarity Credit Report Reference # XXXX ) XXXX XXXX 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 2025-01-13 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief