vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXXXXX VANCE & HUFFMAN LLC  XXXX XXXX XXXX # XXXX XXXX, VA XXXX RE : Debt Validation Request ACCT # XXXX Dear VANCE & HUFFMAN LLC, This letter is sent in response to the alleged debt referenced as Account Number XXXX. I am disputing this debt in its entirety and request validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Under federal law, you are required to provide verification of this debt. The courts have upheld a debtor 's right to this validation ( see Spears v. Brennan, 745 N.E.2d 862 ( Ind. App. 2001 ), which states that a debt collector must provide sufficient documentation to substantiate the alleged debt ). 


To ensure compliance, please provide the following : 1. Documentation verifying that I am indeed the party legally responsible for the alleged debt.

2. The name and address of the original creditor.

3. A complete payment history, including the date the alleged debt was incurred.

4. Proof that your agency is authorized to collect this debt, including a copy of your license to operate in my state.

5. A detailed explanation of how the amount claimed was calculated, including fees, interest, or charges.

6. VERIFY THE DEBT by exhibiting Schedules RC - Balance Sheet, RC - E - Deposit Liabilities, RC - C - Loans & Leases, RC - L - Derivatives and off balance sheet items, RC - S - Servicing, Securitization and asset sale activities.

7. Present an unaltered copy of the original security.

Please note that failure to provide adequate validation is a violation of the FDCPA, as demonstrated in Chauncey v. JDR Recovery Corp., 118 F.3d 516 ( 7th Cir. 1997 ). Additionally, until this debt is validated, you are prohibited from engaging in further collection activity pursuant to 1692g ( b ).

If you are unable to substantiate the validity of this debt, I request that you cease collection efforts immediately and update all credit bureaus to which you have reported this information to reflect that the debt is disputed, inaccurate and unverified.

Please direct all correspondence regarding this matter to the address above. I look forward to your timely response within 30 days of receipt of this letter, as required by law. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA.

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates XXXX legal responsibility to ensure accurate and verified reporting. 

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities. 

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report.

Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of removing these inquiries and verifying compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 
XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
In accordance with the fear credit reporting act ( XXXX XXXX ) account # XXXX, ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 USC 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnace a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
In accordance with the fear credit reporting act ( XXXX XXXX ) account # XXXX, ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 USC 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnace a account without my written instruction.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My recent credit report lists accounts that were added without my permission. Please ensure these fraudulent accounts are removed and blocked at once.

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 2024-12-04 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: AZ

Complaint narrative:
I am a victim of identity theft resulting from a recent data breach involving XXXX. My personal information, compromised in the breach, has been fraudulently used without my knowledge or consent. I am requesting the removal of the following accounts from my credit reports.

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 2024-12-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently requested and viewed my consumer credit report and disputed XXXX items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission. It is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. XXXX XXXX XXXX or XXXX XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants TransUnion or XXXX XXXX XXXX or XXXX XXXX lawful authority to share NON-PUBLIC PERSONAL INFORMATION with third party entities. If TransUnion can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, TransUnion must Delete account 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 2024-12-04 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-04 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX  XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$630.00} XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$220.00} XXXX : XXXX XXXX Account XXXX : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX  XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00} EXPERIAN : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX  XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00}

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 2024-12-04 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: CA

Complaint narrative:
I am a victim of identity theft, and my personal information has been fraudulently used, resulting in items appearing on my Equifax credit report that I have no connection to. Following Equifaxs guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation. However, despite these efforts, the fraudulent items remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND 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 NAMES REPORTED XXXX XXXX XXXX XXXX XXXX  EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX  FL XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND 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 NAMES REPORTED XXXX XXXX XXXX XXXX XXXX EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

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 2024-12-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA. 

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates Experians legal responsibility to ensure accurate and verified reporting. 

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities. 

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report.

Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of the removal of these inquiries and verification of compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I pulled up my credit report and history and discovered there are unauthorized fraud-related inquiries and accounts. I contacted the XXXX credit bureaus, and some were able to help me remove the inquiries and accounts. However, I still need to fill out this form to properly report the issue. I need the unauthorized inquiries removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I pulled up my credit report and history and discovered there are unauthorized fraud-related inquiries and accounts. I contacted the three credit bureaus, and some were able to help me remove the inquiries and accounts. However, I still need to fill out this form to properly report the issue. I need the unauthorized inquiries removed from my report.

Company response to consumer: Closed with non-monetary relief