vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. 
2. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question. 
3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. 
a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal XXXX XXXX against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

The following inquiries need to be removed from my credit report. 

INQUIRY : REMOVE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
The credit bureau failed to validate these accounts that they are reporting as mines. This is the second attempt with failed responses and original documents.

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 2025-01-07 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Kindly block and delete the account ( s ) within 4 business days as required by the FCRA 605B, 15 U.S.C 1681c-2. Please find the attached FTC report and other relevant documents.

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 2025-01-07 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:
I noticed an account on my credit report reported by XXXX XXXX I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ).

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.

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 2025-01-07 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: TX

Complaint narrative:
I noticed an account on my credit report reported by XXXX XXXX. I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ). 

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.

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 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I took out a loan with One Main Financial in XXXX. I had an emergency to happen and needed help paying that loan off as well as others. I contacted a debt company ... Credit.org to help with all my debt. I finished paying off everyone by XX/XX/XXXX. I finished the program and my case was closed. I recd a call from One Main a couple of months later saying that I still owed them money. I contacted XXXX and they said that the loan was paid off and to disregard that. I heard from them again in XXXX saying that I owed them more money. I asked to speak with the manager and I told her everything and she said that she will talk with her boss and get back with me. I called several times and she finally answered me and said that I owe interest on loan and that I need to pay it as it will continue to accrue more interest. I told her that wasn't fair as I have paid off the loan the previous year and that I didn't feel I should have to keep paying a loan that never ends. I said that what can I do to get rid of this and she said pay all the interest. That was the purpose of the debt loan company. Now we are in XXXX and the loan continues to accrue interest and it's at XXXX. Sad I can't afford to keep paying for a loan that was agreed upon to be paid off but isn't and it's still accruing interest. No end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
I have unauthorized accounts showing on my credit report. According to the Fair Credit Report Act ( FCRA ) I expect this account to be removed on 4 business days. 

Accounts : 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: IL

Complaint narrative:
Someone opened credit cards in my name and somehow stole all my information in 2021. Now I have these credit cards showing up! I e despaired them but nothings has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/year> Late payment XXXX Unknown I have repo fees on my account which were paid for if I didnt pay them then I wouldnt have my car right now so it makes no sense that I have repo fees still on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
The credit bureau failed to validate these accounts that they are reporting as mines. This is the second attempt with failed responses and original documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> XXXXConsumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX Washington XXXX XXXX XXXX **Re : Dispute Resolution - Removal of Unverifiable Account from XXXX XXXX XXXX Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$5300.00} XXXX XXXX  charge-off account from my XXXX secondary credit report. The account was deleted as a result of the investigation conducted on XX/XX/year>. 

It is my understanding that XXXX has verified the account as unverifiable and has accordingly removed it from my XXXX report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including Equifax, XXXX, and XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 

As a consumer, I am protected under the **Fair Credit Reporting Act ( FCRA ) **, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically **Section 1681i**, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 

I request that you take immediate action to remove the unverifiable {$5300.00} XXXX XXXX  charge-off from my credit report within **30 days** or less, as required by the **Fair Credit Reporting Act**. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report.

Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, **XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> XXXXConsumer Financial Protection Bureau XXXX CFPB ) ** XXXX XXXX XXXX XXXX  XXXX D.C. XXXX **Re : Dispute Resolution - Removal of Unverifiable Account from XXXX XXXX XXXX Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$5300.00} XXXX XXXX  charge-off account from my XXXX secondary credit report. The account was deleted as a result of the investigation conducted on XX/XX/year>. 

It is my understanding that XXXX has verified the account as unverifiable and has accordingly removed it from my XXXX report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 

As a consumer, I am protected under the **Fair Credit Reporting Act ( FCRA ) **, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically **Section 1681i**, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 

I request that you take immediate action to remove the unverifiable {$5300.00} XXXX XXXX  charge-off from my credit report within **30 days** or less, as required by the **Fair Credit Reporting Act**. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report.

Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, **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 explanation
Consumer complaint received 2025-01-07 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 just received a copy of my credit report and I see fraudulent activity. Will stop me from maintaining credit and buying a new house.

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 2025-01-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX : Intent to file lawsuit, no response for Validation documentation. 


Account # XXXX Balance {$20000.00} To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive made multiple attempts to rectify an alleged debt currently shown as in possession of Jefferson Capital System. The amount shown as owed from the original creditor is 5x the amount of any known potential charges and nearly double that of the card limit. In an effort to ensure there were not fraudulent charges on the account Ive requested MULTIPLE times to have the amount validated. Ive formally disputed the amount and requested proof of amount owed and repeatedly it goes nowhere. 

Jeffersons solution was to sell the debt without notice to yet another debt collector. A fact I only found out about when after MONTHS of attempting to correct and resolve I wanted to settle the account as its continued life being parked on my credit is directly hindering my home purchase ability. 

I received no written notice of the debt sale and have had zero contact from the alleged new debt owners. I only know of the sale due to the notice provided when I yet again attempted to contact Jefferson to resolve. Now, because of this absolute joke of a management team Im left in limbo with no way to resolve or remove this from my credit. I still have no proof of the amount owed and even if that werent in dispute there is no way to pay and close the issue due to the mismanagement all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX XXXX  Inquiry date XX/XX/year>XXXX XXXX XXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

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