vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: VA

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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-01-10 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: SLM CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of [ specific account ( XXXX ) or inquiry details, if available ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, consumer reporting agencies are only authorized to furnish credit reports to entities that have a permissible purpose as defined by law. 

I have reviewed my records and can confirm that I never provided written consent for [ furnishing entity 's name, e.g., " Sallie Mae Bank XXXX '' ] to access or furnish my information. Absent my explicit consent or a valid permissible purpose, any such action constitutes a violation of federal law. 

Therefore, I demand the immediate removal of the unauthorized entry and any related information from my credit file. Additionally, please provide me with : The name and contact information of the entity that requested or reported this information. Documentation evidencing their permissible purpose and my written authorization, as required by XXXX XXXX. XXXX. If no such evidence exists, I expect confirmation that this entry has been removed within XXXX  days as required by law. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
XXXX : Immediate Action Required : Dispute of Inaccurate Charge-Off and Late Payments XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX I am writing to formally dispute the inaccurate charge-off and late payment entries reported by XXXX for my account ( Account XXXX : XXXX ), which currently reflects a balance of {$730.00}. These negative entries are erroneous and must be immediately removed from my credit report. 

This charge-off and associated late payments are unjustified. Despite multiple attempts to resolve this issue directly with XXXX, they have failed to correct the record and continue to report this damaging and false information. The charge-off and late payment entries do not reflect the true status of my account, and I demand that they be removed without delay. 

The incorrect reporting of this charge-off and late payments has caused substantial harm to my XXXX XXXX and financial reputation. The persistent refusal of XXXX to correct this error only exacerbates the damage, and I will not tolerate such blatant inaccuracies on my credit report. 

I am requesting that you investigate this issue immediately and take the necessary action to ensure that XXXX promptly removes both the charge-off and late payment entries from my credit file. The reporting of this incorrect information is a violation of my consumer rights, and I expect a full resolution within the required timeframe. 

Please confirm receipt of this dispute and provide a timeline for resolution. If necessary, I am prepared to escalate this matter legally, and I will hold all responsible parties accountable for any further damage caused to my credit. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX This version is direct and firm, expressing urgency and demanding immediate action while stressing the harm caused by the inaccurate reporting. Make sure to attach any relevant documents supporting your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A XXXX XXXX AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A DATA BREACH AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-10 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: MA

Complaint narrative:
Ive been dealing with multiple inquiries from your company on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a complaint ad a dispute with the credit bureaus Experian and XXXX XXXX to correct inaccurate information from my report I filed with CFPB also and it has been XXXX days and they have not responded per CFPB the FCRA require the bureaus to respond in XXXX days or remove inaccurate information that I disputed.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-01-10 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: IN

Complaint narrative:
Ive been dealing with multiple inquiries from your company on my credit report that I did not 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 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against Experian for failing to correct inaccuracies on my credit report despite multiple written disputes submitted over several months. Experian has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information in my credit report.

15 USC 1681s-2 : Failure of the data furnisher ( s ) to provide accurate information and to properly investigate disputes.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within the required time frame.

15 USC 1681c ( c ) : Failure to comply with restrictions on reporting certain adverse information.

I saw in the news that CFPBs lawsuit against Experian for alleged sham investigations of credit errors. My experiences appear to align with these issues highlighted in that lawsuit, including inadequate investigations and lack of meaningful resolutions to disputes.

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 2025-01-10 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-10 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
XXXX  Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/year> ( XXXX and Experian ). 
Account Status : Open and Current. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a XXXX late payment for XX/XX/year>, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/year> from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/2024 Subject : XXXX XXXX XXXX XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
XXXX Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/2024 ( XXXX and Experian ). 
Account XXXX : XXXX and XXXX. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a XXXX late payment for XX/XX/2024, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/2024 from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Re : Debt Collecting Dear LVNV funding LLC, I am responding to your contact about collecting a debt. You contacted me by phone, on XX/XX/year> and identified the debt as take advantage of your repayment options for your XXXX XXXX XXXX XXXX ( for which the current creditor is LVNV funding LLC account! 

I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief