vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX Date : XX/XX/year> Subject : Request to correct inaccurate information in my credit report under the FCRA To the Experian Consumer Relations Team : I am contacting you to formally dispute inaccuracies in my credit report. Specifically, there are incorrect variations of my name and addresses that do not pertain to my credit history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to have my credit report contain accurate and complete information. I request that you promptly investigate and correct these errors. 

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Experian must investigate disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. 
2. Dispute Details : Incorrect Names on Report : XXXX XXXX XXXX XXXX XXXX The correct name is XXXX XXXX XXXX XXXX. I request that these incorrect variations be removed and that only my correct name be retained. 

Incorrect Addresses on Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Note : The correct address format is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The current format with additional digits is inaccurate. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( This address is incorrect and is not associated with my credit history. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( This address is not on my credit report. ) The only correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. All other addresses must be removed immediately. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residency to facilitate validation of my identity and expedite the correction process. I am also enclosing documents supporting my claim.

4. Request for Action : Based on the regulations outlined above, I am requesting that : Incorrect name variations be removed. 
Incorrect addresses that do not match my record be removed. 
I am receiving written notification of the results of the investigation as required by the FCRA. 
If the disputed information can not be verified, I am requesting that it be removed from my credit report immediately. 
As a consumer, I demand that no further time be wasted and that the information be corrected within the legally established 30-day period, according to 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 2024-10-01 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | DOBXX/XX/XXXX Date : XX/XX/year> Subject : Request for Correction of Inaccurate Information in My Credit Report Under the FCRA To the Equifax Consumer Relations Team : I am contacting you to formally dispute inaccuracies in my credit report. There are incorrect variations of my name and addresses listed that do not belong to my credit history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am entitled to accurate and complete information in my credit report. I am requesting that you investigate and promptly correct these errors.

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Equifax is required to investigate disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

2. Details of the Dispute : Incorrect Name on the Report : XXXX XXXX XXXX The correct name is XXXX XXXX XXXX XXXX XXXX I request that this incorrect variation be removed and only my correct name be retained. 

Incorrect Addresses on the Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Note : The correct address format is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The address listed is incorrect and should be updated. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address is not associated with my credit history. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address does not belong to my credit history. ) The only accurate address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other addresses must be immediately removed. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residence to facilitate the validation of my identity and expedite the correction process. I also include documents that support my claim.

4. Request for Action : Based on the regulations outlined above, I request that : The incorrect name variation be removed. 
The incorrect addresses that do not match my history be deleted. 
I receive written notification of the results of the investigation, as required by the FCRA. 
If the disputed information can not be verified, I request that it be removed from my credit report immediately. 
As a consumer, I demand that no more time be wasted, and that the information be corrected within the legally established timeframe of 30 days, as per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/year>. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX SERVICES X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/2024. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my credit report that I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to report accurate information. They must also promptly correct and update inaccurate or incomplete information. I have communicated with Experian to dispute the inaccurate late payments. Despite my efforts, the creditor/collector has failed to investigate my dispute within the required 30 days or to correct the inaccuracies in violation of their FCRA obligations. By reporting these alleged late payments inaccurately, the debt collector is in violation of the FDCPA, as it damages my credit reputation and is being used as a tactic to collect on the debt through coercive means. I disputed the inaccurate information with Experian XX/XX/year> providing documentation that supports my payment history. Despite their obligations under the FCRA to investigate and respond within 30 days, they have not taken appropriate action. 
I have also contacted the credit bureaus directly to dispute this information, but the inaccurate late payment reporting persists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX # XXXX Re-Investigating Charge Off {$15000.00} Transunion Whom It May Concern : This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession/ Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a repossession/ Charge Off is XXXX years from the date of the delinquency leading to the repossession/ Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. XXXX. XXXX XXXX XXXX XXXX Reported Charges Off on XXXX Credit Reported and currently is reporting a balance inaccurate reporting. The balance should reflect zeros since the company reported the debt was submitted to the IRS as a losses. Transunion has failed to follow Fair Credit Act in accurate reporting and failed to submit to this consumer information use to verify this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with non-monetary relief