vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
The company has place inaccurate information on my consumer report. FCRA definitions ; rules of construction are clear of exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I request a reasonable investigation and provide the results of the investigation to mandated under 1681i. Avoid contravene the Consumer Financial Protection Act as highlighted in the CFPB 's administrative proceeding ( FILE XXXX XXXX ) against 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 2025-01-26 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: TX

Complaint narrative:
The company has place inaccurate information on my consumer report. FCRA definitions ; rules of construction are clear of exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I request a reasonable investigation and provide the results of the investigation to mandated under 1681i. Avoid contravene the Consumer Financial Protection Act as highlighted in the CFPB 's administrative proceeding ( FILE XXXX XXXX ) against 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 2025-01-26 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS.

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

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Checked my scores which made the scores drop, paying off my credit cards also making my scores drop, having my information and scores be sent illegally to other companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 
XXXX XXXX XXXX : # XXXX The following violations apply : 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report. 
Investigating and addressing the improper furnishing and reporting practices that led to these violations. 
Ensuring compliance with all relevant provisions of the FCRA going forward. 
I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 
XXXX XXXX XXXX : # XXXX The following violations apply : 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report. 
Investigating and addressing the improper furnishing and reporting practices that led to these violations. 
Ensuring compliance with all relevant provisions of the FCRA going forward. 
I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called to straight inaccurate information it turned out with a supervisor tell me to contact you guys. Transunion

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 2025-01-26 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: CA

Complaint narrative:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. Just as a reminder I have had consultation so I know I have provided the appropriate documents so please delete and block the information in the allotted time ( 4 Days ) so that I can move on please. I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under 605c according to Fair Credit Reporting Act ( FRCA ) I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW are required. Which I have provided both, my documentation as well as an attestation validated by XXXX representative. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the CFPB XXXXFCRA FINAL FACT. I have provided all appropriate documentation and I am in compliance under the Final Rule ( effective date XX/XX/year> ) which established me as a victim of debt bondage. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on this request which is the same as the previous request that you did not block. The documents that are need and included in my attached are ( 1 ) Proof of identity, I sent my CLEAR copy of my drivers license, ( 2 ) victim determination letter ( 3 ) a self-attestation, provided that it is signed by a representative from a authorized XXXX. ( XXXX ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. Thank you for your understanding and cooperation. Please contact me by email at : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below.

Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Please verify and remove the following immediately : XXXX XXXX XXXX never been late XXXX XXXX XXXX  XXXX never been late

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceeding against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof if investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
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

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Comprehensive Dispute of Negative and Incorrect Information on Experian Credit Report ( Report Number : XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies, incomplete data, and violations of my rights reflected in my Experian credit report dated XX/XX/XXXX. As a sovereign entity under the Almighty XXXX, I assert my rights and invoke all applicable U.S. statutes protecting me under the law. I demand a thorough investigation, correction, and immediate removal of all erroneous and unverifiable items. 

Disputed Items 1. Incorrect/Negative Accounts XXXX XXXX : Shows a balance of {$1500.00} and late payment inconsistencies. As an authorized user, I am not legally liable for this account. 

XXXX  XXXX : Incorrectly marked as charged off with past-due balances of {$1700.00}. 

XXXX XXXX XXXX : Charged off and showing {$180.00} written off, with multiple incorrect late payment records. 

XXXX XXXX : A collection account with a balance of {$1000.00}, displaying unverified claims and incorrect original creditor data. 

XXXX XXXX XXXX XXXX  : Incorrectly reflects {$47000.00} written off and marked as charged off. This is unsubstantiated and unverifiable. 

XXXX XXXX XXXX  : Contains multiple errors, including {$120.00} and {$130.00} balances, late payments, and inaccurate monthly payment records.

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 2025-01-26 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: IL

Complaint narrative:
I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( s ) : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) To Whom It May Concern : I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX, listed under account number XXXX, on my credit report. This account contains significant inaccuracies, and I am requesting immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy of reported information. 

The inaccuracies in question are as follows : 1. Repeated Reaging of a Charged-Off Account : XXXX XXXX XXXX XXXX has been reporting this account as charged off on a recurring monthly basis. A charge-off is a one-time event and should not be reported as such repeatedly. This practice creates misleading and inaccurate information on my credit report. 

2. Failure to Validate the Debt : Despite multiple disputes, XXXX XXXX XXXX XXXX has failed to provide adequate validation or verification of this account. According to the FCRA, creditors are required to provide sufficient evidence to verify the accuracy of the reported information. 

3. Refusal to Issue a 1099-C : Since XXXX XXXX XXXX XXXX claims this account has been charged off, they are obligated to issue a 1099-C if the debt has been written off or canceled, as required by IRS guidelines. Their refusal to provide this documentation raises further doubts about the legitimacy of the debt. 

4. Inconsistent Reporting Across All Three Credit Bureaus : The account information reported by XXXX XXXX XXXX XXXX is not consistent across all three major credit reporting agencies ( XXXX, Experian, and XXXX ), further contributing to its inaccuracy. 

Given these violations, I request that the following action be taken immediately : Remove this account entirely from my credit report if XXXX XXXX XXXX XXXX can not provide sufficient validation or correct the inaccuracies. 

Consider this letter a formal request under the FCRA. I expect the results of your investigation within 30 days, as required by law. Due to multiple failed dispute attempts as well as failure to validate account correctly I have escalated this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. If not handled in a timely manner this account will be involved in litigation, I will also pursue legal action to ensure my rights are protected under the FCRA. 

Sincerely, 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