vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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:
Dear Sir/Madam, I am writing to formally request the blocking and permanent deletion of fraudulent accounts from my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information removed from my credit file immediately. 

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Fraudulent Amount : {$210.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$440.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$490.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$100.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$160.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Request : According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt was settled by XXXX XXXX in XXXX, Mi. on XX/XX/XXXX between XXXX and XXXX XXXX XXXX in Michigan and my attorney XXXX XXXX. After I moved to California in XXXX the debt collection was turned over to Resurgent. The Consent Judgement states I would pay {$1000.00} total to settle this account. I'm sure I have paid more than that. I have been dealing with Resurgent for the past 3 years trying to get them to abide by the XXXX XXXX. I finally received a letter from them dated XX/XX/XXXX stating they would accept a total payment for {$370.00}, they laid out the payment plan which stated the last payment would be XX/XX/XXXX. I'm still getting automatic debits from my account. I sent them a detailed letter via USPS Priority Mail ( I do have signature confirmation they received it ) last XX/XX/XXXX asking for an accounting of what I have paid and if I had satisfied the {$370.00}. I never heard from them. I want them to abide by the Consent Judgement and stop taking payments from my checking account. And release me from any and all liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am writing to formally complain about inaccuracies found in my credit report regarding my XXXX XXXX account ( # XXXX ). Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified inconsistencies and incorrect information that I request be investigated and corrected immediately. 

The following details highlight the discrepancies : XXXX Report : The high balance is reported as {$1800.00}, whereas Experian lists it as {$0.00}. 

The Dispute Status states that the account was " not disputed, '' yet Experian shows the account as previously disputed and resolved. 

The Payment Status reports the account as charged off as bad debt, which does not align with other bureau reporting. 

There is a discrepancy in the Date of Last Activity ( XX/XX/year> vs. XX/XX/year> as reported by Experian ). 

Experian Report : The High Balance is incorrectly reported as {$0.00}, which contradicts XXXX report. 

The Payment Status states Unpaid balance reported as a loss by the credit grantor, which is inconsistent with TransUnions reporting.

The account was previously disputed and resolved, yet XXXX does not indicate the dispute status correctly. 

XXXX Report : No information appears to be reported for this account, which raises concerns about incomplete or missing data. 

These inconsistencies are significantly impacting my credit profile and require correction. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be deleted. 

I have attached copies of my credit reports highlighting these discrepancies for your reference.

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 2025-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: ND

Complaint narrative:
XXXX my document was lost item that was in my wallet was my ID XXXX card social security when I was travelling XXXX multiple account was open in my name included a auto loan trying to dispute it the company refuses to take action

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A auto loan account on my credit was charged off by the lender XXXX XXXX as a loss write off but is still on my credit reporting negatively. Also the payment history information in inaccurate. The lender XXXX XXXX has not sent me a 1099C form as since the account was a loss then it will be income to me for tax purposes.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, Dear Equifax This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX  XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter

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 2025-02-23 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX Is reporting XXXX accounts on my credit report that is inaccurate. Accounts # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft never gave XXXX and XXXX XXXX permission to furnish information on my credit report regarding the utilization of my card.The utilization and card balance shall be placed back down to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required XXXX business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that XXXX complies with FCRA regulations and corrects this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against TransUnion. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, TransUnion has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements. 

I have taken the following actions : Submitted a formal dispute to TransUnion, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that TransUnion provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned TransUnion that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold TransUnion accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A auto loan account on my credit was charged off by the lender XXXX XXXX as a loss write off but is still on my credit reporting negatively. Also the payment history information in inaccurate. The lender XXXX XXXX has not sent me a 1099C form as since the account was a loss then it will be income to me for tax purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX  account # XXXX {$1800.00} is reporting a balance on a charged-off account which is not in compliance with IRS REGULATIONS and FCRA Laws and this is a direct violation of my consumer rights and potential Tax fraud. 

They did not issue a XXXX on this account after writing it off to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I had a private student loan that was in default in XXXX. In XXXX, I received a judgement on my credit which I was not informed of prior to it happening. In XXXX, they filed a garnishment against me. I had changed employers and moved so they had not received any payments. I had not heard anything about the debt since XXXX, and then in XXXX of XXXX, I received a letter that they filed a lien against my real estate. I looked at the court records and in XXXX they had revived the debt which I had not received any notifications about to dispute it. I had requested proof from their collection lawyer that is proceeding through court for proof of the debt and proof of the original date of default of the debt and they responded but only provided me with the public record court documents and not the original proof of debt. I also just received notice that they are trying to garnish my wages through the court. I looked up the company, XXXX XXXX XXXX XXXX XXXX XXXX and read about the other claims against them recently with court settlements. I am wondering how a company can file these court documents against me without notifying me or try to collect on a XXXX XXXX XXXX debt that is now over the statute of limitations for collection from the initial date of default?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : AFTER FINDING OUT MY PERSONAL DATA WAS COMPROMISED DUE TO A DATA BREACH FROM YOUR COMPANY BEHALF AND YOUR FAILURE TO PROPERLY INVESTIGATE IVE sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I will be proceeding with litigation if you all continue to falsely report these above accounts you all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I paid off my auto loan but USAa reported it latei was in a car accident and I was told not to pay it because it was going to be a pay out

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