vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from this, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding LLC {$450.00} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax should make sure to put my correct personal information on my credit report. This information : XXXX XXXX XXXX XXXX is incorrect and should be removed and updated. The employer listed as XXXX XXXX XXXX is incorrect ; the correct employer is XXXX XXXX XXXX XXXX. The inaccuracies reported on my credit report are a violation of the maximum possible accuracy under 15 USC 1681e ( b ), which includes making sure that only correct and authorized information is provided. Failure to remove this may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV is on my credit for XXXX XXXXXXXX. I have contacted them and they will not even talk to me because I can not provide address utilities were at. I have never had utilities with this company. I have never lived in Texas. I do not know anyone in Texas. They keep telling me I have to verify the address they have. How would I have that if Ive never lived in Texas and did not establish an account with them. I have tried to dispute and they returned comment on my dispute that they verified it was me but provide no proof. How can I have a debt for utilities in a state Ive never lived in?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to report an instance of identity theft concerning my tax withholdings and financial obligations. For some time, I believed my taxes were being withheld due to outstanding student loans from my attendance at the XXXX XXXX, which has been closed for over four years. However, after contacting the Federal Student Aid office on XX/XX/year>, I was informed that my tax withholdings are actually due to an outstanding debt of {$2600.00} to XXXX XXXX XXXX. 

I was told that this debt was incurred because my name was signed on a Co-Parent agreement on behalf of XXXX XXXX. I want to categorically state that I did not sign my name, nor did I provide any authorization for such an agreement. I never agreed to assume responsibility for any debt related to XXXX XXXX. 

XXXX XXXX, is solely responsible for the {$2600.00} debt to XXXX XXXX XXXX. Any documents or agreements bearing my name or signature were signed without my knowledge or consent, and I did not authorize any financial responsibility related to XXXX XXXX ' debt. 

I respectfully request that this matter be thoroughly investigated, and that all further collections or withholdings related to this debt be halted immediately. Additionally, I request that steps be taken to remove my name from any financial obligations or liabilities associated with this debt. 

Furthermore, I request a refund of any taxes that have been withheld due to this fraudulent debt. 

Thank you for your immediate attention to this serious issue. I am available to provide any further information or clarification necessary to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have consistently called the creditor to dispute the information ( balance ) and to at the very least have the credit profile updated with accurate information. The creditor has only stated that the most they will do is report the account {$0.00} balance when I pay the {$92.00}. They have charged-off the account and stated that they have an obligation to report the status. I have disagreed with the {$92.00} balance from the beginning and have requested proof that I owe. That has never been sent. 

I have then offered to pay the {$92.00} to be done with it and asked that they remove the account from my report. They have refused. So I contacted the credit bureaus to remove the information due to inaccurate information, to no avail. 

I have been dealing with this from XX/XX/XXXX with the latest communication with the creditor being today XX/XX/XXXX. I would not let an account go to charge-off or collection because of {$92.00}. When I closed my accounts ( credit builder and credit card with Self Lender, it was supposed to be at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like this inquiry deleted, I did not authorize this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Requesting to dispute debts on XXXX Experian regarding all XXXX  bureaus. And the information that I received, they all come back to state that my inquiries are accurate and I know for a factor that I asked for a thorough investigation regarding this matters upon inaccuracies on my reports.

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 2025-01-08 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 XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

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 2025-01-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-01-08 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: CA

Complaint narrative:
Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it. 

Below is the collection agencies information that I would like to have permanently deleted from my Equifax and XXXX Credit Report : 1. XXXX XXXX A Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. 

Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA. 

Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness. 
Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report. 

Written confirmation that the debt has been removed from all records and credit reporting. 

Cessation of all communication regarding this alleged debt. 

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA. 

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-08 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: MI

Complaint narrative:
I took out a loan to pay for a car repair that totaled {$1900.00} for a 90 day period to avoid paying additional fees and interest. However, I signed an agreement to pay {$180.00} bimonthly thinking it was for 90 days. I was late for work the day I signed the agreement not doing the calculations nor reading the entire contract agreement. The bimonthly payment should have been for around {$340.00} bimonthly to pay off the loan. The agreement I signed had the {$180.00} payment and not the {$340.00} to pay off the 90 day loan. Now, I am being charged an additional {$3100.00} on the loan that was only for {$1900.00} because I missed the XX/XX/year> deadline to pay off the entire {$1900.00} Please help me come to a reasonable settlement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
The CRAs are reporting inaccuracies and are going against my consumer rights. 
Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy. They are also going against my rights under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. I wish for the information to be deleted immediately off of my credit report. I have been sending out dispute letters to these bureaus for months in XXXX and have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-08 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: DE

Complaint narrative:
The account balance reported by the credit bureaus for my XXXX XXXX account contains discrepancies : Equifax : {$500.00} XXXX : {$0.00} XXXX : {$760.00} This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information reported.

Company response to consumer: Closed with explanation