vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/24, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within 30 days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.

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 2024-12-29 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: CA

Complaint narrative:
I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/year>, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within 30 days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.

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 2024-12-29 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. 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 non-monetary relief
Consumer complaint received 2024-12-29 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: NJ

Complaint narrative:
Someone had opened a XXXX  credit card under my name without my knowledge in XXXX XXXX but I never lived in XXXX XXXX. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but XXXX  XXXX and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the XXXX XXXX and experian still refusing to remove the account from the credit reports. XXXX XXXX  case number : 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 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX XXXX approximately I made and recorded several calls attempting to resolve a technical issue accessing my account. Sofi has one phone number to use for any interactions. No email, no building to go to. I used my bosses phone at work to call them. I was hung up on 4 times and given various answers and suggestions. I was told I could use another phone to verify my account, I was told I could download an app to verify my account, I was told I could send shoots of myself and my drivers license to them, but I was refused to use my email to verify my account. I finally spoke to a manager who denied all the suggestions made to me with the previous representatives and kept talking over me and not trying to resolve the issue. I have this recorded. He hung up on me. I am homeless and unable to pay for phone service. I use the library for services via WiFi and Im unable to receive the necessary text from Sofi to verify my account. If I cant access my account I cant pay my bill. I havent eaten in 2 days. My work deposited my check yesterday and my account reads XXXX at the atm. Sofi is unwilling to resolve my issue and have left the only resolution as to wait a very long time with inactivity on my account and they will mail a check to me. The address they insist to keep on file is an address I am no longer at due to being homeless. I changed my address to general delivery XXXXXXXX XXXX ca XXXX where I get my mail but they did not acknowledge that address. They have decided they will keep my money without allowing me access and there is nothing I can do about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint regarding the repeated failure of XXXX, XXXX, and XXXX to XXXX investigate and validate disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Despite my numerous disputes and lawful requests for validation and verification, the credit reporting agencies have failed to provide evidence substantiating their claims and continue to report inaccurate and unverified information. 

To summarize : 1.Failure to Provide Proper Validation : I requested the following documents to validate the alleged debts : Validation of the debt ( including actual accounting ) ; Verification of the claim against me ( such as a sworn affidavit or a hand-signed invoice compliant with the Bills of Exchange Act, 1882 ) ; A true and certified copy of the original contract or agreement binding both parties ; A certified copy of the original note ( credit agreement ) under penalty of perjury, confirming it has not been sold ; Confirmation of the identity of the authorized representative who performed due diligence under the Money Laundering Regulations 2007. 
These lawful requests were ignored or inadequately addressed. Instead, I received generic responses claiming the information was verified, without any substantive evidence to support these claims.

2.Violation of 15 U.S.C. 1681i : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when disputes are raised. Merely stating that the information was verified without providing evidence or details of the investigation constitutes a failure to meet this legal standard.

3.Reappearance of Removed Items : Items previously removed from my credit report have inexplicably reappeared, raising serious concerns about the integrity of the investigation process and adherence to proper procedures.

4.Failure to Respond in Good Faith : My repeated attempts to dispute these inaccuracies were met with dismissive responses warning me not to send further disputes. This is both inappropriate and contrary to consumer protection laws under the FCRA. 

Given the severity of these issues, I am requesting immediate action to : 1.Conduct a thorough, independent investigation into the practices of XXXX, XXXX, and XXXX in handling my disputes ; 2.Ensure compliance with 15 U.S.C. 1681i by requiring the credit reporting agencies to provide documented proof of their investigations and validations ; 3.Remove any and all unverifiable and inaccurate items from my credit reports ; 4.Impose penalties or corrective actions against the credit reporting agencies for non-compliance with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Worked with them from XXXX. 
Overcharged me multiple times, and didnt repair my credit. 

Reached out to the company multiple times and couldnt reach an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I started using Lexington law in XXXX. I was charged XXXX $ per month and would also has unexpected fees taken out. The promises were misleading as my credit score never changed, and actually got worse.

Company response to consumer: Closed with explanation