vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I disputed debts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, XXXX, and TransUnion, stating theyre not mine. 

XXXX is the only one that has removed the accounts. 

I was homeless from XXXX to XXXX, never received notices, and these debts dont belong to me. The bureaus had 30 days under 15 U.S.C. 1681i to investigate and remove unverified info. Its been over 30 days since the disputes, nothings fixed.

After disputing, I sent certified validation letters to the creditors addresses listed on my report. Multiple letters returned undelivered [ see attached ], proving the addresses are inaccurate. This shows the bureaus are violating 15 U.S.C. 1681e ( b ) by reporting unverified, incorrect data. Theyve ignored my dispute and evidence, damaging my credit. 
. 
What I Want : Remove all fraudulent debts from my credit reports immediately. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Investigate why the bureaus failed to act within 30 days and are still reporting inaccurate info. 

Attachments : Certified mail receipts Returned envelopes from validation letters Company Involved : Equifax, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AE

Complaint narrative:
I recently submitted a complaint regarding incorrect data on my credit report regarding : The discrepancies are negatively reflecting on my credit report. 

The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is my understanding that the credit bureaus will re-investigate this for me to ensure a resolution resulting in removal of inaccurate reporting information. 
These accounts are also marked as written off, as well as charged off. If they have indeed written something off then it is my understanding that the company would have a 1099-C with such information to prove that statement reflecting on my credit report. 
A company can not continue to reflect the status as new debt if they have written it off the data on my credit report shows the company reporting new debt updates monthly thereafter.

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 2025-03-25 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: DC

Complaint narrative:
Reinvestigation Procedure To Whom It May Concern, I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still verified as accurate and frivilous. Sending a statement of charges is not considered a proper investigation. I am questioning your investigation and if you even conducted a reasonable one.

Please send me a description of your reinvestigation procedures for the following accounts : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX BANK Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-25 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
My partner and I paid {$250.00} for an apartment rental application. We waited two weeks, and did not get a response, eventually getting accepted else where. After looking into it, we realized that they only wanted to take our money, without checking our credit. So we cancelled to payment, on the card. They have since then sent a debt to their personal debt collecting agency, and have been calling, emailing, texting and sending letters at all hours of everyday. This is clearly scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information on my credit report, and I am requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). 

Upon reviewing my credit report, I have identified the following information that I believe to be inaccurate or incomplete : Debt Collector Information : Agency Name : LVNV Funding LLC XXXX XXXX : XXXX XXXX XXXX XXXX, SC XXXX Debt Information : Debt Amount : {$460.00} Original Creditor : LVNV Funding LLC Account XXXX In accordance with 15 USC 1681i ( a ) ( 7 ), I request that you conduct a thorough investigation of the disputed information. If you can not verify the accuracy of the disputed information within the 30-day period, please ensure that the information is corrected or removed from my credit report.

Additionally, I request that you provide me with the following validation : Proof of the Debt : Please provide a copy of the original signed contract or agreement showing that I am liable for the debt.

Details of the Debt : A breakdown of the total amount owed, including the original amount, interest, fees, and any other charges added.

Creditor Information : The name of the original creditor, the account number, and their contact information.

Proof of Assignment : If the debt has been sold or transferred, please provide proof that you are legally authorized to collect on the debt.

Verification of Timeliness : The dates of all transactions, the last payment, and the date the debt was reported. 
Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. Until I have received the necessary validation, I respectfully request that you cease any collection efforts, including reporting this debt to credit bureaus, until the matter is resolved.

If you are unable to provide the requested validation, I expect that the debt will be removed from my records, and any further attempts to collect on it will be ceased immediately.

Thank you for your prompt attention to this matter. I look forward to your response in accordance with the 30-day timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XX/XX/year> I was charged {$190.00} for a citi flexpay payment plan but there is no initial purchase for the amount of {$190.00} and I have not purchase order for the amount of {$190.00} and they are charging me a monthly payment plan fee of {$1.00} in addition to interest on the {$190.00} to pay in installments of XXXX for 12 months when I never made a purchase for XXXX and if I cancel the payment plan they ban me from being able to do a flexpay payment plan on a purchase for a year

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 monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide 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 non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX XXXX XXXX : Farm Chemical And Fertilizer Stores account XXXX XXXX XXXXXXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.

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 2025-03-25 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: OH

Complaint narrative:
Company : Equifax Just discovered today that my FICO score ( XXXX XXXX ) went from XXXX to XXXX dropping XXXX points in last 30 days! I was completely shocked and devastated as I have always pride myself of a consistent FICO score over XXXX. Attached is my 6 months FICO scores all over XXXX points. My FICO score was always around XXXX. Here is the bizarre thing if you looked at the the last 6 months of my Equifax Credit Report history you will discover little to NO CHANGE 's over that time with a single credit card on the report nothing else being an active account. This account has ALWAYS been paid on time never late once. So if that is the case then logically there is no reason why it would drop XXXX points in 30 days! 

I immediately contacted Equifax and urgently escalated this issue up to a supervisor that I have spoken to almost 3 hours on the phone pleading my case. She was 110 % in agreement with me and followed my logic precisely. She documented my case in great detail on my account. I told her " How would you feel if you just discovered your perfect XXXX score dropped to XXXX when you know for a fact nothing has ever changed on your credit reports over the last 6 months that would be consistently XXXX,,,,, I said imagine you on my shoes? '' She responded saying " I would be completely devastated and frustrated when no one can provide a sound logical reason why???? '' I told her exactly now you can appreciate how I feel. In this day in age the consumer has to stand up and fight for what is right no one is gon na do that for me. That is exactly what I have been doing. I even asked the supervisor to better understand the XXXX XXXX formula used to calculate the FICO score then plug in my latest info on my credit report and see where the error that is causing the XXXX point drop! She really did not know how the formula works and just takes a computers answer without cross checking the integrity and accuracy. Any analytical person will question the validity of the system when the last 6 months credit reports were status quo. She said she would escalate this up the ladder but I would never be informed of the results for some unknown reason. She would not create dispute report that I can track. So I have no clue just how much effort she would in order to escalate when I have no way of tracking the end result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AE

Complaint narrative:
I recently submitted a complaint regarding incorrect data on my credit report regarding : The discrepancies are negatively reflecting on my credit report. 

The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is my understanding that the credit bureaus will re-investigate this for me to ensure a resolution resulting in removal of inaccurate reporting information. 
These accounts are also marked as written off, as well as charged off. If they have indeed written something off then it is my understanding that the company would have a 1099-C with such information to prove that statement reflecting on my credit report. 
A company can not continue to reflect the status as new debt if they have written it off the data on my credit report shows the company reporting new debt updates monthly thereafter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AE

Complaint narrative:
I recently submitted a complaint regarding incorrect data on my credit report regarding : The discrepancies are negatively reflecting on my credit report. 

The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is my understanding that the credit bureaus will re-investigate this for me to ensure a resolution resulting in removal of inaccurate reporting information. 
These accounts are also marked as written off, as well as charged off. If they have indeed written something off then it is my understanding that the company would have a 1099-C with such information to prove that statement reflecting on my credit report. 
A company can not continue to reflect the status as new debt if they have written it off the data on my credit report shows the company reporting new debt updates monthly thereafter.

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 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

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 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2025-03-25 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: CA

Complaint narrative:
Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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