vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Subject : Urgent Request for Investigation and Removal of Inaccurate Bankruptcy Information To Whom It May Concern, This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o XXXX  : XX/XX/year> o Equifax : XX/XX/year> Closing Date : o XXXX  : XX/XX/year> o Equifax : Missing Court Information : o XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Subject : Urgent Request for Removal of Inaccurate Bankruptcy Information This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o Experian : XX/XX/year> o XXXX : XX/XX/year> Closing Date : o Experian : XX/XX/year> o XXXX : Missing Court Information : o Experian : US BKPT CT NY XXXX o XXXX : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement. 
2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information. 
4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.

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 2024-12-31 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: NY

Complaint narrative:
Subject : Urgent Request for Removal of Inaccurate Bankruptcy Information This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o Experian : XX/XX/year> o XXXX : XX/XX/year> Closing Date : o Experian : XX/XX/year> o XXXX : Missing Court Information : o Experian : US BKPT CT NY XXXX XXXX XXXX : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement. 
2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information. 
4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.

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 2024-12-31 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: TX

Complaint narrative:
I am filing this complaint because XXXX and Equifax have failed to remove a fraudulent XXXX credit card and unauthorized charges from my XXXX XXXX  XXXX ( and closed the account citing my violation of their terms ) accounts from my credit report despite multiple requests and proper documentation. I have provided both credit bureaus XXXX, and XXXX XXXX  XXXX with : Multiple written disputes on XX/XX/year> and again on XX/XX/year> for XXXX ( they still did not comply ). 
Multiple disputes on XX/XX/year> and again on XX/XX/year> for XXXX XXXX  XXXX ( they still did not comply ). 
Copies of the FTC Identity Theft Report. 
Proof of identity verification. 

The fraudulent account still appears on my credit report, negatively affecting my credit score. Both agencies have failed to comply with the FCRA 's investigation requirements, and XXXX has not resolved the issue despite being informed of the fraud. I request the CFPB 's assistance in removing this account from my credit report immediately, as well as the XXXX XXXX  XXXX. XXXX has already complied with and removed both of them from my credit report, but XXXX and Equifax are failing to comply with the FCRA requirements with my report of identity theft. They also violated Section 605B of the FCRA by reinserting XXXX on the credit report AFTER the time requirement of four ( 4 ) business days. Under Section 605B of the FCRA, you are required to block the reporting of information resulting from identity theft within four business days of receiving the following : A copy of an identity theft report, such as an FTC Identity Theft Report ; Proper identification of the consumer ; and Identification of the fraudulent accounts to be blocked. 

I submitted all required documentation, including my FTC Identity Theft Report ( Report Number : XXXX ), proper identification, and a detailed list of the fraudulent accounts, which includes the XXXX  XXXX account. Despite their receipt of this information, the account remains on my credit file. 

Please refer to the attached documentation for detailed evidence of my correspondence and the unresolved nature of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: VA

Complaint narrative:
XXXX XXXX of MRSBPO on multiple occasions has been rude and disrespectful. He has asked me where my funds were coming from which I did not feel the need to disclose to him and he became rude. On XX/XX/year> I called to make payment arrangements being that Im still in school I thought I would qualify for deferment. He became hostile. I asked him for the original loan creditor information to contact them and he did not tell me instead put me on a long hold said that they would be perusing my guarantor for the payment. When I told him I would get her to call back with me he proceeded to be nasty and say you do that and tell her to have her checkbook open. It was unnecessary rudeness. I understand my faults in the situation but he was very disrespectful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: VA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victum of identity theft and inaccurate information. After reviewing my credit report with TransUnion, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against TransUnion. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the XXXX are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. 
XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: I.C. System, Inc.
State: NC

Complaint narrative:
I recently discovered that I was a victim of identity theft. This occurred without my knowledge or consent. Someone unlawfully obtained and used my personal information to commit fraud.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding attempted to collect a debt of {$950.00} that appears not to be mine. I have never heard of this company and want this account deleted immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to follow up on my previous request for debt validation, which was sent to your office over 30 days ago, on XXXX XXXX 2024 via USPS with tracking # XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. As of today, I have not received the requested debt validation documentation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt within 30 days of your receipt of my request. 

Attached with this letter is the proof of receipt. 

Under 15 U.S. Code 1692g ( b ), once a debt collector receives a written dispute of the debt, they must cease collection activities until they provide validation of the debt. Since I have not received the required validation within the statutory timeframe, I am requesting that you immediately : Cease and desist all collection activities related to this account, including any communication or reporting to credit bureaus. 

Remove any and all references to this alleged debt from my credit report with all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 

Failure to provide the requested validation within the mandated 30-day period renders the debt invalid, and as such, I request that you ensure this debt is promptly removed from my credit file. If you are unable to provide validation, you are legally required to delete any reference to this account from my credit report as per 15 U.S. Code 1692g ( b ) and 15 U.S. Code 1681s-2 ( b ), which governs the duties of furnishers of information to consumer reporting agencies. 

Please be advised that continued failure to comply with the law may result in further legal actions, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state attorney generals office. I trust you will treat this matter with the urgency it warrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Current Address is : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
FCRA law I did not give my permission for anything to be reported as a result my information was exposed in a data breach.also according to the fair credit reporting act 15 usc 1681 I was promised accuracy in my report based on that federal law there are errors and the fact that this debt was charged off, but I did not receive a 1099C so this is also considered fraud. I would like this again removed. I did appealed to all three credit bureaus and got no results.

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 2024-12-31 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: NY

Complaint narrative:
FCRA law I did not give my permission for anything to be reported as a result my information was exposed in a data breach.also according to the fair credit reporting act 15 usc 1681 I was promised accuracy in my report based on that federal law there are errors and the fact that this debt was charged off, but I did not receive a 1099C so this is also considered fraud. I would like this again removed. I did appealed to all three credit bureaus and got no results.

Company response to consumer: Closed with explanation