vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 
My credit report contains fraudulent INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: AZ

Complaint narrative:
I am a XXXX XXXX XXXX XXXX I mailed in the packet on XX/XX/year> XXXX mail along with obtaining a receipt and tracking number ( XXXX ). Two months have gone by and no word from Experian. The negative data furnishings are still being reported. I decided to call the XXXX XXXX XXXX for Experian and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents XXXX XXXX, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings.

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was checking my credit and realize I have some inaccurate on my credit with XXXX XXXX I submit a dispute with file number XXXX on XX/XX/year> since now I haven't receive a response since they violate the time limit to send me response I demand to delete this collection with Portfolio recovery immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-01 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: NM

Complaint narrative:
I am disputing the accuracy of an account listed on my credit report under XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. After reviewing my report, I identified the following issues with this account : XXXX. Inconsistent Account Reporting Across Bureaus : The account is listed under Equifax, but there is no reporting in XXXX or XXXX. This inconsistency can misrepresent the consumers creditworthiness. 
XXXX. Improper Collection Account Reporting : The payment history under Equifax shows OK for all months, but the account is marked as Collection with a status of Late 120 Days and a balance of {$580.00}. This is contradictory and could indicate an error. 
XXXX. Failure to Update Dispute Status : The comments section states : Consumer disputes this account information, yet the account is still reported as Derogatory without clear resolution or updates. If the dispute was resolved, this status should be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date of Last Payment is listed as XX/XX/year>, and the Date Last Active is also XX/XX/year>. Negative information such as collections must generally be removed after seven years from the date of the first delinquency, per FCRA guidelines ( 15 U.S.C. 1681c ).

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The contradiction between OK payment history and the account being in Collection with 120 Days Late status violates this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the account has been disputed and the information remains inaccurate, this indicates a failure to investigate and correct errors.

3. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the accounts delinquency began in 2018, it may now be obsolete. Such information must be removed after seven years.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( Midland ) may be inaccurately reporting this collection account, particularly if it remains in dispute or contradicts the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am disputing the accuracy of an account listed on my credit report under XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. After reviewing my report, I identified the following issues with this account : XXXX. Inconsistent Account Reporting Across Bureaus : The account is listed under XXXX, but there is no reporting in TransUnion or XXXX. This inconsistency can misrepresent the consumers creditworthiness. 
XXXX. Improper Collection Account Reporting : The payment history under XXXX shows OK for all months, but the account is marked as Collection with a status of Late 120 Days and a balance of {$580.00}. This is contradictory and could indicate an error. 
XXXX. Failure to Update Dispute Status : The comments section states : Consumer disputes this account information, yet the account is still reported as Derogatory without clear resolution or updates. If the dispute was resolved, this status should be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date of Last Payment is listed as XX/XX/2018, and the Date Last Active is also XX/XX/2018. Negative information such as collections must generally be removed after seven years from the date of the first delinquency, per FCRA guidelines ( 15 U.S.C. 1681c ).

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The contradiction between OK payment history and the account being in Collection with 120 Days Late status violates this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the account has been disputed and the information remains inaccurate, this indicates a failure to investigate and correct errors.

3. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the accounts delinquency began in 2018, it may now be obsolete. Such information must be removed after seven years.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX ) may be inaccurately reporting this collection account, particularly if it remains in dispute or contradicts the payment history.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-12-01 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:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( 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 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/year> Consumer Financial Protection Bureau Supervisor, Legal Department XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 
I am sure you are aware and understand that it is required by Federal law that Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
To whom you make concern I have contacted ALL companies : SYNCB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : SYNCB : XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
To whom you make concern I have contacted ALL companies : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : XXXX : XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
To whom you make concern I have contacted ALL companies : XXXX, ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : XXXX : XXXX XXXXXXXX  XXXX, 2024 INQUIRY : ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

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 2024-12-01 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$74.00}

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 2024-12-01 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: CO

Complaint narrative:
Tge XXXX XXXX I know nothing about this acount a dispute was filed with the legal department and the cfpb on this account. And still applied XXXX XXXX XXXX dispute. I want the letter from my XXXX  XXXX Trustee that approved the new debt. Or the letter to incur new debt under federal laws I have to have that letter.

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding keeps reagaging and re adding data to my credit reports I also am represented by a attorney regarding these accounts

Company response to consumer: Closed with explanation