vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Information and Request for Identity Verification Dear Jefferson Capital Systems, I am writing to formally dispute inaccurate information regarding an account listed by Jefferson Capital Systems on my credit report. The account details are as follows : Creditor Name : Jefferson Capital Systems Account Number : XXXX Amount : {$1900.00} This account is reported inaccurately numerous of times and without proper verification of my identity. I am requesting that you investigate and provide documentation to validate this debt, including proof that this account is accurately attributed to me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Verification of Account Ownership and Identity : Please provide all documentation proving this debt is mine, including original signed agreements and evidence of identity verification at the time of account origination. 

2.Immediate Correction or Removal : If you can not verify that this account is legitimately linked to me, please take action to remove this inaccurate information from my credit report. 

This account is currently harming my credit, and without proper verification, I believe it should not be reported. I request that you respond in writing within 30 days, confirming the outcome of your investigation and providing an updated credit report if changes are made. 

Thank you for your attention to this matter. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3600.00} XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XXXX  days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA 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 payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts to be Blocked : XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) Inquiries to be Blocked : XXXX. ( XXXX, Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXX XXXX Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX  Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX ) XXXX. XXXX XXXX Date : XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear XXXX I am writing to formally dispute inaccurate information regarding an account reported by XXXX XXXX XXXX, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : 1. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me.

2. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If XXXX XXXX XXXX can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear XXXX I am writing to formally dispute inaccurate information regarding an account reported by Jefferson Capital Systems, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : Jefferson Capital Systems Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : XXXX. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me. 
XXXX. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If Jefferson Capital Systems can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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 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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Dispute and Validation Request for Inaccurate Account Information Dear Credence Resource Management, I am writing to formally dispute the inaccurate information regarding an account that Credence Resource Management is reporting to the credit bureaus under my name. I am requesting that you immediately validate this account and correct any inaccuracies or remove the account entirely from my credit report if validation can not be provided. 

Disputed Account Details : Creditor Name : Credence Resource Management Accounts XXXX Issue : Inaccurate reporting ( e.g., unfamiliar account, incorrect balance of amount {$1000.00} Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. Validation of the Debt : Please provide documentation to confirm this account is mine, including original account agreements, itemized account statements, and any evidence that verifies the accuracy of this information as it pertains to me.

2. Immediate Investigation and Correction : If you can not validate this account, please take immediate action to correct any inaccurate information reported to the credit bureaus, or remove this account from my credit report if necessary. 

Please respond to this dispute within 30 days of receiving this letter, as I am eager to resolve any discrepancies in my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief