vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
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 am submitting this complaint to request that the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within XXXX business days of receiving this complaint. 

The fraudulent accounts, including XXXX XXXX XXXX ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: CA

Complaint narrative:
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 am submitting this complaint to request that the Experian credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within XXXX business days of receiving this complaint. 

The fraudulent accounts, including XXXX XXXX XXXX ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.

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 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/year> the portal showed that XXXX of my loans had a balance due on XX/XX/XXXX for {$55.00}. I turned autopay on and verified on XX/XX/XXXX that autopay was turned on. The page now showed that {$0.00} was due and that {$0.00} was scheduled for XX/XX/XXXX. I know this is not true. No payments had been applied to my balance yet. And regardless of any payments made, autopay will always be pulled on the due date. So problem XXXX ) the amount of {$0.00} scheduled is wrong. Problem XXXX ) the amount due XX/XX/XXXX is wrong, it should have said the actual amount due of {$55.00}. This information is crucial because I am trying not to pay ahead while my employer also makes payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've waited a long time to have XXXX inquiries on my Experian credit report. I've watched the date and patiently waited for the inquiry to fall off. Per policy, an inquiry should stay on your report XXXX months, and should not exceed XXXX months to the day of the inquiry. I currently have an inquiry on Experian with over XXXX months, that is still there. It should have fell off last month, then on XX/XX/year>, and again on 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 2024-10-05 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:
I have disputed a collections on my account by XXXX XXXX XXXX. I was affected my XXXX XXXX and military during this time frame. While other credit bureaus have honored my request to remove this item. Experian has not l. It has cause me to remain homeless with a full time job as a veteran. I dont know even believe Experian is seriously looking into my concerns.

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 2024-10-05 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) as violated my rights. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX 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

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 2024-10-05 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block information on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent information includes : an auto loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ), a personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), another personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX XXXX  ( XX/XX/XXXX, account XXXX ), an internet account at XXXX ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX ( XX/XX/XXXX, account XXXX ), and an installment loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ). These accounts have resulted in several fraudulent hard inquiries and collections appearing on my XXXX credit report. Attached is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof that these accounts, collections, and inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. 

The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX sold the debt to Resurgent/LVNV Funding, a debt buyer. 

Despite the fact that XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. 

I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. 

After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. 

As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. 

In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. 

A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. 

Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. 

I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXXXXXX : {$130.00}, XXXX XXXX XXXXXXXX ; XXXX {$1800.00}.

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 non-monetary relief
Consumer complaint received 2024-10-05 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: NY

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. 
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, has violated my rights. 


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 2024-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXXXXXX XXXX XXXX XXXXXXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.

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 2024-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the XXXX law. 

This account ( XXXXXXXX XXXX XXXX XXXXXXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.

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 2024-10-05 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: FL

Complaint narrative:
From XXXX to XXXX my credit shows late fees and delinquent payment when the account was set to forbearance

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 2024-10-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have 3 negative accounts remaining on my credit report from Chase Bank from 7 years ago as a result of identity theft and fraud by a former business partner. I have disputed several times and they refuse to remove. Statute states that after 7 years they can no longer be shown on credit report. I am sincerely asking that these accounts be removed from my credit report as I have worked so hard to start fresh and improve my overall credit and they continue to try and keep me down. I also have police reports and court documents that explain I am not responsible for these accounts which I have submitted several times but they do not honor. Every other bank has honored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My 3 credit bureaus XXXX, Equifax, and XXXX have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak English and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.

Company response to consumer: Closed with explanation