vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be 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 explanation
Consumer complaint received 2025-01-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX contacted by phone XX/XX/XXXX requested unauthorized hard inquiries - XXXX XXXX XXXX XXXXXX/XX/XXXX contacted by phone XX/XX/XXXX reported unorganized. 
- jpmcb card XX/XX/XXXX XX/XX/XXXX reported unorganized/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, - contacted by phone XX/XX/XXXX requested unauthorized hard inquiries - Bank of America XXXXXX/XX/XXXX contacted by phone XX/XX/XXXX reported unorganized. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX reported unorganized/

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 2025-01-12 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: DE

Complaint narrative:
These inaccuracies are negatively impacting my creditworthiness and may be a result of misreporting or identity theft. As required under 15 U.S.C. 1681i ( a ), I request a thorough investigation of these disputed items. If the information can not be verified as accurate, it must be removed or corrected immediately The attached document will show the data of inquiries and accounts that do not belong to me or I have no knowledge of. According to 15 U.S.C. 1681e ( b ) :. " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Heres a dispute letter leveraging 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which mandates credit bureaus to investigate and correct inaccurate information : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 1 ) Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate and unverifiable information currently appearing on my credit report under the protections and rights afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). This section of the FCRA requires that credit reporting agencies investigate and correct any information on a consumer 's report that is found to be inaccurate or can not be verified.

Upon reviewing my credit report, I identified the following items as inaccurate or unverifiable : [ Creditor Name/Account Number ] [ Explain the specific issue, e.g., incorrect balance, account status, or that it doesnt belong to you ].

[ Creditor Name/Account Number ] [ Explain the dispute ].

( Include additional items as needed. ) These inaccuracies are negatively impacting my creditworthiness and may be a result of misreporting or identity theft. As required under 15 U.S.C. 1681i ( a ), I request a thorough investigation of these disputed items. If the information can not be verified as accurate, it must be removed or corrected immediately.

To assist in your investigation, I have included the following documentation : Identity Theft Report A copy of my government-issued ID which also has current address I respectfully request that you complete your investigation within the 30-day timeframe mandated by the FCRA. Please provide me with written confirmation of your findings and an updated credit report reflecting any changes made as a result of this dispute.

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 2025-01-12 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: NV

Complaint narrative:
This trade line is fraudulent. Company verified its fraudulent and states on XX/XX/year> it would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NV

Complaint narrative:
This trade line is fraudulent. Company verified its fraudulent and states on XX/XX/year> it would be deleted.

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 2025-01-12 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
On XX/XX/year>, I requested debt validation and verification of a collection reporting on my credit report in the amount of {$1000.00} from XXXX XXXX XXXX. A proper investigation was not rendered by Experian and I did not receive proof of assignment, verification, or contract that grants legal authority to collect on this debt. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian highlights systemic issues with sham investigations, underscoring the importance of compliance with federal law. Per the FCRA, Experian must verify disputed information with evidence such as original creditor contracts or delete the inaccurate entries.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed the debit to be verified that LVNV had jurisdiction for the state of Texas and Oklahoma and no response but they sued me in the state of Oklahoma court and they dont have license for debit collection for Oklahoma or Texas and I would like it to remove from my credit report immediately as well as the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed a XXXXXXXX XXXX  car loan account with Experian over 10 times including submitting Identity theft paperwork and law enforcement report too them twice and they have deny my disputes every time. They have also completely ignored and deleted disputes I have submitted on their website for this account, The account in question is also past the 7 years and has caused me to not get housing or auto loans. I am consulting with free council available to me through the VA and I am taking whatever action i can against them. This company posts fraudulent info and disregards any investigation that the consumer reports. This company has caused me XXXX XXXX XXXX XXXX and monetary loss.

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 2025-01-12 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: GA

Complaint narrative:
Dear To whom it may concern, I hope this message finds you well. I am writing to express concern regarding the investigation process that was conducted in relation to my recent request for the removal of negative and incorrect items from my credit report with Equifax. 

Upon reviewing the outcome of the investigation, it appears that a thorough and comprehensive analysis was not conducted. There are discrepancies on my report that I believe were not adequately addressed or validated. 

As a consumer, I am entitled to a fair and accurate representation of my credit history, and I kindly request that the investigation be reopened with a more detailed review of the supporting materials I have submitted. I believe this additional scrutiny will lead to the correct adjustments being made to my credit file. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my credit report is corrected accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX Feel free to adjust any details to better match your specific situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Request payment history on all credit bureau to get all late payments updated to paid as agreed

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 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Meridian Financial Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Dear CFPB I am writing to formally dispute the collection account associated with my name, referenced by XXXX XXXX XXXX which has been reported to my credit file. I believe this account is inaccurate and request its removal based on several consumer protection laws. 
The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures acquired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : Under this law, I have the right to dispute any debt that I believe is not valid. I request that you provide documentation verifying the legitimacy of this debt, including the name of the original creditor and the total amount claimed. 

2. **Fair Credit Reporting Act ( FCRA ) ** : This law mandates that all information reported to credit bureaus must be accurate and verifiable. If you can not furnish the requested validation, I ask that you remove this account from my credit report to ensure compliance with the FCRA.

3. **Truth in Lending Act ( TILA ) ** : Under TILA, I am entitled to clear and accurate information regarding any credit obligations. If this account lacks proper disclosure of terms and conditions, it can not be deemed valid. 

4. **Consumer Credit Protection Act ( CCPA ) ** : This law serves to protect consumers from unfair lending practices. If this debt was acquired through deceptive or misleading means, I request its immediate removal from your records and my credit report.

5. I am requesting that they furnish proof that they are licensed and bonded.

6. I am revoking all rights of them communicating with me through email, texts and calls. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to substantiate the validity of this debt, I urge you to cease all collection activities and ensure that this account is removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit bureau continue to report literally false information on my reports. That are clearly not doing anything about it. I will continue to dispute, I have shown proof, and this is how I know they just do whatever because two different accounts with XXXX XXXXXXXX show that my last payment was XX/XX/XXXX which would make deletion XXXX of XXXX this year. However, they should have both been removed in XXXX and XXXX the last payment was made in XXXX and XXXX. Then XXXX XXXX clearly states last payment was XX/XX/XXXX which means that should be removed next month. However last payment was XXXX not XXXX. I will continue to file complaints when I know they are in the wrong. I hope y'all can get this resolved.

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 2025-01-12 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: GA

Complaint narrative:
All three credit bureau continue to report literally false information on my reports. That are clearly not doing anything about it. I will continue to dispute, I have shown proof, and this is how I know they just do whatever because two different accounts with XXXX XXXXXXXX show that my last payment was XX/XX/XXXX which would make deletion XXXX of XXXX this year. However, they should have both been removed in XXXX and XXXX the last payment was made in XXXX and XXXX. Then XXXX XXXX clearly states last payment was XX/XX/XXXX which means that should be removed next month. However last payment was XXXX not XXXX. I will continue to file complaints when I know they are in the wrong. I hope y'all can get this resolved.

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 2025-01-12 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: TN

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


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation