vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to formally request the cancellation of my student loan due to unauthorized access and mishandling of my student records. Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records should be protected from unauthorized disclosure. However, I have reason to believe that my student information was accessed or used without proper authorization, leading to the disbursement of loans without my full consent or knowledge.

I kindly ask for the following : A complete review of my student loan records, including all disbursements and authorization details.

The cancellation of any loans that were processed without proper authorization.

A written response detailing the steps that will be taken to investigate and resolve this matter.

If this issue is not resolved, I am prepared to escalate my complaint to the XXXX Department of Education and other relevant oversight agencies. Please consider this letter a formal request for resolution. I would appreciate a prompt response within [ reasonable timeframe, e.g., 30 days ]. 

Thank you for your time and attention to this matter. I look forward to your response. Please feel free to contact me at XXXX for further clarification. 

Sincerely, FERPA is short for the Federal Education Rights and Privacy Act, which prevents your student information from being disclosed to third parties, '' XXXX says. However, he goes on to explain that " There is no private right of action, no right for an individual to sue for violations of FERPA. The XXXX Supreme Court actually decided the case in 2002 in a case called XXXX v. Doe. In that case, the XXXX Supreme Court ruled that individuals do not have the right to sue for a violation of FERPA. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 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:
Im submitting a complaint to you today to inform you I was the victim 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
If you claim that these items are entirely accurate and verifiable, I request that you provide copies of any documentation related to these items that bears my signature, as I believe no such documentation exists. When you are unable to produce a signed agreement with my signature, I expect you to promptly remove these fraudulent items from my file. 

XXXXXXXX XXXX  XXXX **** Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-03-25 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: CA

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-03-25 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: IL

Complaint narrative:
"PLEASE REMOVE BLOCK AND REMOVE THIS FRAUDULENT ACCOUNT. THESE ACCOUNTS ARE NOT MINE. 
1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX %600.00 ACCOUNT NUMBER XXXX 
3. XXXX XXXX  ACCOUNT NUMBER XXXX   4. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
5. XXXX XXXX BA XXXX  ACCOUNT NUMBER XXXX  
6. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
7. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 8. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 9. XXXX XXXX ACCOUNT NUMBER XXXX 
 10. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
 11. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
 12XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
13. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX   14XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
15. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXX 
16XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
17. XXXX XXXX XXXX XXXX: DISMISSED XXXX  REFERENCE NUMBER XXXX
FRAUDULENT INQUIRIES: 1. XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy.

15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I called Chase about my XXXX XXXX XXXX I asked to downgrade the card to their card with no annual fee, I guess it's the XXXX XXXX now. The agent said there is some issue with their system and to call back tomorrow. I call back the next day and the agent says getting some indication I can't downgrade the card again. I ask to speak to a supervisor.. The supervisor in the end says I am not eligible to downgrade the card. I've had credit cards for 35 years and any time there was a change where fees went up or I wasn't going to use features of the higher priced card I was ALWAYS eligible to downgrade a credit card to one with lower or no fees. Then she proceeded to tell me I could apply for the XXXX XXXX I told her I didn't want to do that, I wanted to downgrade.. she mentioned I could close the card.. It was very strange hearing all of this and it seemed I would be forced to pay the coming HIGHER fees or close the XXXXXXXX XXXX XXXX. This doesn't seem right as it would affect my credit score in a negative way and just seems like poor policy on Chase 's part. So I'm writing to find out if this is against regulations?? Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX XX/XX/year> Capital One Account # CAPITAL ONE, N.A. XXXX XXXX {$3900.00} On XXXX XXXX2025 I made a settlement agreement with XXXX XXXX to pay a Capital One charge off account in the amount of {$1500.00}. 
The funds were paid on XX/XX/year>2025. Capital one reported the balance of $ XXXX-which is inaccurate reporting. 
This is a violation of my consumer rights 15 U.S.C. 1681 et seq., Capital failed to report the settlement as a " Paid in settlement- Written off '' with a XXXX " XXXX '' balance. 
I have attached the " following documents 1. Settlement agreement from XXXX XXXX on behalf of Capital One 2. Copy of inaccurate credit reporting XXXX. Cleared ACH showing payment made to XXXX XXXX on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-25 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: Self Financial Inc.
State: PA

Complaint narrative:
I have an account that shows that I owe AtlXXXX {$210.00} and I do not owe them. This was a prepaid card through self to help build my credit and I had to pay the card to help my credit. Well the account closed XX/XX/year>2022. And it shows that I still have a balance of {$210.00} and late payments when the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRONTO FINANCE INC.
State: IN

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Credit Bureau Name [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Credit Report Information Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The Pronto Prestamos account ( Account XXXX : XXXX ) is being reported with conflicting and inaccurate details that need to be corrected or removed. 

Inaccuracy Identified : The account is reported as charged off with {$3800.00} written off, yet still reflects a past-due balance of {$4400.00} as of XX/XX/XXXX. If a portion of the balance has been written off, the remaining balance should be adjusted accordingly or reported as {$0.00}, depending on the charge-off status. Reporting both a written-off amount and a past-due balance raises concerns about the accuracy of the data. 

Additionally, the Status Updated date is XX/XX/XXXX, yet the balance was updated on XX/XX/XXXX. This inconsistency suggests that the account has not been updated properly, which may impact the accuracy of my credit history.

Requested Action : I request that you investigate and take corrective action, which may include : 1. Verifying whether the balance should reflect {$0.00} if the charge-off is valid or adjusting the past-due balance accordingly.

2. Providing documented proof from Pronto Prestamos verifying the legitimacy of the reported figures.

3. Removing or correcting any unverifiable or inaccurate information.

Per the FCRA, please conduct an investigation within 30 days and provide me with a written response regarding the outcome of this dispute. I have attached a copy of my credit report with the disputed entry highlighted, along with a copy of my identification for verification.

Thank you for your prompt attention to this matter. Please contact me if further information is needed.

Company response to consumer: Closed with explanation