vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several billing errors on there to be inaccurate. 

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : XXXX * XXXX  {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : THE XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX PXXXX XXXX XXXX Original creditor XXXX XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several billing errors on there to be inaccurate. 

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : Experian * XXXX  {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX Experian* XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXXXXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXXXXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXXXXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Errors on the Credit Report : A balance of {$2100.00} was reported inconsistently. 

Incorrect " Date of Last Activity. '' FCRA Violation ( 15 U.S.C. 1681e ( b ) ) : The information reported by the creditor is inaccurate and incomplete, violating the requirement to maintain maximum possible accuracy in consumer reports. 

Request for Validation ( 15 U.S.C. 1692g ) : Provide a detailed chain of title for this account to establish ownership and authority to collect. 

Include copies of the original agreement signed by me. 

Provide a full account ledger detailing payments, credits, and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$33000.00}

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 explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclosed on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX {$570.00} XXXX. ) XXXX XXXX {$850.00} These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...

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 2025-01-06 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thas violated my rights. 
15 U.S.C 1681 section 602A. States 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 2025-01-06 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thas violated my rights. 
15 U.S.C 1681 section 602A. States 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : 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 2025-01-06 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: IN

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-01-06 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors is unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: GA

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 explanation
Consumer complaint received 2025-01-06 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:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2025-01-06 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: VA

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 explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Recently I noticed that this account on my credit report is in violation of 15 US code 1692j. Furnishing certain deceptive formsXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Recently I noticed that this account on my credit report is in violation of 15 US code 1692j. Furnishing certain deceptive forms- XXXX XXXX XXXX Original Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/year>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