vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Credit Bureau Name [ Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information listed on my credit report. Please find my personal information and the details of the dispute below. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Social Security Number : XXXX Item in Dispute : Account Name : [ e.gXXXX XXXX XXXX ] Account Number : [ Account Number ( if available ) ] Disputed Amount : [ e.g., {$970.00} ] Date Reported : [ e.g., XX/XX/XXXX ] Reason for Dispute : This account is inaccurately reported. [ Briefly explain the issue, I believe this account does not belong to me, or I have already paid this amount in full, and the creditor has not updated the status. ] Request for Action : Please investigate this matter and correct the information on my credit report. If you find the account is not valid, I request its removal.

Enclosures : I am including the following documents to assist in your investigation : Copy of my credit report with the disputed account highlighted.

Copy of receipts or proof of payment.

[ Additional relevant documents, e.g., correspondence with the creditor. ] Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate this dispute within 30 days. I look forward to your written response regarding this matter. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a debt listed by Resurgent/LVNV Funding for {$640.00}. On Thursday, XX/XX/year>, at XXXX AM, I requested validation of the debt, including proper validation of an agreement from their company and verification of my address, from the agent I was speaking with. The collection agency refused to verify my address and instead stated they would send paperwork from the original creditor, which does not satisfy my request for proper validation of an agreement from their company. The agent also informed me that if the specific validation I requested was not included in the packet, I would have to write another letter to request it. When I asked them to confirm the address they would be sending the documents to, they refused to do so. Additionally, they stated that they could not provide any information about the alleged account in question. 

This conversation was recorded, and the agent was aware of being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint to bring to your attention that Experian has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ). 

Experian is in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ) regarding the re-insertion of previously deleted material : * XXXX XXXX. XXXX ( XXXX ) ( B ) ( ii ) mandates that I should have been notified in writing within XXXX business days of the reinsertion. I received no such notice. 
* XXXX XXXX. XXXX ( XXXX ) ( B ) ( iii ) requires that Experian provide the business name and address of the furnisher of information and their contact details, which were not provided to me. 
* XXXX XXXX. XXXX ( XXXX ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft. 

I request that you block the information on my credit report within ( XXXX ) XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Please delete and block the following accounts and inquiries : XXXX. XXXX XXXX XXXX Number : XXXX : $ XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX : $ XXXX Opened : XX/XX/XXXX Additionally, the following inquiry, was fraudulently added to my credit report and needs to be removed : * XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts and addresses : 1. FTC Identity Theft Criminal Complaint # 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 2025-01-11 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: MI

Complaint narrative:
I got a copy of my credit report and noticed an inaccuracy and I am submitting this complaint regarding the collection practices of XXXX. XXXX XXXX XXXX XXXX. Specifically, the company has reported a collection account on my credit report without being licensed to operate as a collection agency in the state of Michigan. I found that XXXX. XXXX XXXX XXXX XXXX is not licensed to operate as a collection agency in Michigan, as required under Michigan law. This lack of licensure is a violation of both state law and the Fair Debt Collection Practices Act ( FDCPA ), which mandates compliance with state regulations for debt collection activities. 
Also, I never received a dunning letter or any prior written notice from the company before they reported this account to the credit bureaus. The FDCPA requires debt collectors to send a written notice of the alleged debt within five days of their initial communication. This notice should provide details about the debt and my rights to dispute it. Since I never received a letter, Nor was I given an opportunity to validate or dispute the debt as allowed by law. Reporting a debt to the credit bureaus without prior notification and validation constitutes unfair and deceptive practices, harming my creditworthiness and financial standing. 

The collection account in question is identified as follows : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : XXXX To resolve this issue, I have Contacted XXXX XXXX  XXXX XXXX XXXX, demanding the removal of the account from my credit report. 
Filed disputes with the credit reporting agencies. 
I am now requesting the CFPB 's assistance to investigate this matter and ensure compliance with federal and state laws. Specifically, I ask that the CFPB : Too Investigate the licensing status and collection practices of XXXX. XXXX XXXX XXXX XXXX. 
Require the company to cease reporting the collection account on my credit file. 
Impose any appropriate penalties for noncompliance with state and federal regulations. 
Ask that the collection account be removed from my credit report unless it can be validated in compliance with applicable laws. 
Also That XXXX XXXX XXXX XXXX, XXXX be investigated for their failure to adhere to the requirements of the FDCPA and FCRA.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Used my credit report from credit bureau added me to their clients file then XXXX. Closed my account and case making me not eligible for lexington law settlement remove my information from jnd legal administration system remove my account from active list that why other agents cant find my record or information because they closed my account and case very upset about this issue need to make my information active in the system for jnd legal administration to see XXXX eligible for a settlement check because they used my credit report to update my credit without my permission from credit bureau paying them fees to along with that but they closed my account once they completed and finalized it I was harmed by them please resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
Good Morning, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXXXXXX XXXX XXXX  was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXXXXXX XXXX XXXX was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX  was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.

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 2025-01-11 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, 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, the 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 an Unsecured account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another Unsecured account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a line of credit account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a credit account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 2025-01-11 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: NJ

Complaint narrative:
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 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 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.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 
As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 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 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.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Equifax.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary.

I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Collection Management Holdings, LLC
State: MI

Complaint narrative:
The credit management company put information on my credit report without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I have no knowledge of the 8 inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have no knowledge of the 8 inquiries on my 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