vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX Bank XXXX XXXX have knowingly submitted falsified reports in an attempt to collect payments. XXXX Bank XXXX XXXX was paid in full, as stated in the credit report prior to the accounts closure. Despite this, XXXX Bank XXXX XXXX still closed the account and unlawfully transferred the contract. 

Although the original charge-off amount was {$1800.00}, and the debt was fully satisfied, XXXX Bank XXXX XXXX has failed to report the valid balance since XXXX. As a result, XXXX and Equifax have already removed the inaccurate reporting due to its falsified nature, yet the account remains improperly listed with TransUnion. 

XXXX XXXX XXXX XXXX has further violated FCRA ( Fair Credit Reporting Act ) rights by attempting to collect {$2400.00}, an amount well over the original charge-off, even though the account was already paid in full and removed from other reporting agencies. Additionally, XXXX XXXX XXXX XXXX has deliberately marked the account as open, further restricting the consumers ability to obtain new credit. 
Violations Committed : Attempting to collect on a paid-in-full debt Attempting to collect the same debt twice Reporting inaccurate information in violation of FCRA standards Providing false information and refusing to investigate when prompted Failing to verify account details upon request Manipulating consumer data after being contacted Falsely reporting the debt as collectible Required Actions : XXXX XXXX XXXX XXXXXXXX must immediately delete the fraudulent debt. 
XXXX Bank XXXX XXXX must remove the false report regarding the paid-in-full account. 
Both companies should be investigated for consumer fraud and data manipulation. 
Any staff members responsible for reporting and validating these accounts should be held fully accountable for damages caused by the fraudulent reporting since 2019. 
Additionally, the companies failure to properly verify the debt, forcing the consumer to spend personal time correcting these inaccuracies, should be addressed. 

I demand immediate resolution and accountability for these violations.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I dispute the accuracy and validity of this collection account. Midland Credit Management is a third-party debt buyer, and under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), they must provide full validation of the debt, including the original creditors details, proof of ownership, and a complete payment history. 

I have not received proper validation from Midland Credit Management proving that this debt is accurate, belongs to me, or that they have the legal right to collect on it. Therefore, I am requesting an investigation to ensure that this account is properly verified or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
" I am filing a complaint against LVNV Funding for reporting inaccurate information on my credit report. Despite having disputed this account multiple times with the credit bureaus and with LVNV Funding directly, the account remains on my credit report and continues to be reported as a valid debt, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). '' " Specifically, I am requesting that this account be removed from my credit report for the following reasons : Failure to verify debt ( FCRA 1681i ) : I have disputed the accuracy of this account on several occasions with both the credit bureaus and LVNV Funding, as evidenced by the dispute records. Despite this, LVNV Funding has failed to provide sufficient documentation or verification to substantiate the debts accuracy, as required by law. 

Failure to correct inaccurate information ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : According to the FCRA, once a consumer disputes an item, the furnisher of the information ( LVNV Funding in this case ) must promptly investigate and update the credit report to reflect accurate information. LVNV Funding has failed to correct inaccuracies related to this account.

Failure to notify consumer of dispute results ( FCRA 1681i ( a ) ( 6 ) ) : In accordance with the FCRA, when a dispute is filed, the credit reporting agency and/or furnisher must notify the consumer of the results of the investigation within 30 days. LVNV Funding has not provided any clear evidence that the debt has been verified, nor have they furnished adequate documentation showing that this account is valid.

Failure to remove obsolete information ( FCRA 1681c ( a ) ( 1 ) ) : Under the FCRA, negative information, including collections accounts, must be removed from a credit report after 7 years from the date of the first delinquency. If this account falls under this time frame and should be removed, it is in violation of the FCRAs regulations governing the removal of outdated information.

Failure to validate the debt ( FDCPA 1692g ) : According to the Fair Debt Collection Practices Act ( FDCPA ), when a consumer requests validation of a debt, the debt collector must provide proof of the debt and its validity. LVNV Funding has failed to provide adequate documentation or validation, despite my requests. 

" Given these violations of the FCRA and FDCPA, I request that LVNV Funding immediately remove this account from my credit report and provide proof that they have taken corrective action. Additionally, I expect a full investigation into this matter and request that I be notified of the resolution within 15 days. '' " If LVNV Funding does not remove the account or provide proper validation, I will pursue further legal action for willfully violating my consumer rights. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to formally dispute several fraudulent credit inquiries that have been reported on my credit file. Upon reviewing my credit report, I have identified multiple unauthorized inquiries that I did not initiate or authorize. These inquiries are concerning to me, and I suspect that they may be the result of identity theft or fraud. 

The fraudulent inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not authorized any of these inquiries, and I request that they be investigated and removed from my credit report immediately. Please provide me with a written confirmation of your findings and any actions taken to remove these fraudulent inquiries. 

I have attached a copy of my government-issued ID and proof of address for your reference, in case additional verification is needed. 

Please treat this matter with urgency, as it may indicate fraudulent activity associated with my personal information. Should you require further details or documents from my side, please do not hesitate to contact me.

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 2025-01-31 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:
Experian and XXXX refuses to address fraudulent accounts listed on my report. I've inquired to them regarding inaccurate information reporting to my account but they refuse to address the issue. Ive attached a FTC report and ID to help remove the fraudulent accounts from my profile. I've been a victim of ID and had my wallet stolen which contained my SSN and ID. The following accounts don't belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In multiple efforts of disputing my credit file with Experian Reporting Agency... I was meet with road blocks ... - long phone holds .... Waiting times ... Once I got hold of a rep. I was denied my right to dispute. 

I requested a manger and was told that they would denie me the right to dispute as well .... eventually i was placed back into a waiting que. I never obtained a manger to help. 

Experian only allows consumers to dispute via : For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact us : ( XXXX ) XXXX I've made a number of attempts, most recently being today... 

Please Help! they refuse to dispute anything.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my recent consumer report, I discovered unauthorized bankruptcy entries that directly violate my privacy rights under 15 U.S. Code 1681 a ( 4 ). As a victim of identity theft, the unauthorized disclosure of my personal information and the inclusion of these inaccurate bankruptcies represents a serious breach of consumer protection laws. This violation has exposed me to significant harm and demonstrates a concerning disregard for established privacy regulations.

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 2025-01-31 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: LEXISNEXIS
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had talked to XXXX XXXX Equifax about this scenario that I lost my information the stuff that they had from XXXX until now it was charged off written off it took it on amongst themselves to reopen everything that's supposed to been written off charged off I I had installment loans that was not mines I told them about it they still ignore me my credit score was a XXXX a XXXX and a XXXX now all of a sudden is wishy-washy now I can't get back on the app with XXXX XXXX and Equifax all three credit repairs is showing the same thing every time I dispute XXXX the other XXXX got the same thing so I feel like this it's fraudulent I dispute it ever since from XXXX till now in accuracy only thing that's supposed to be on there is XXXX XXXX nothing else and I sent proof to them about the scenario and they still go with what they want to go with ignoring what I say so by them keep opening like I just open them I think that's kind of fraudulent without my knowledge every time I dispute something after 30 days they put it back up there on my credit report I guess they got to keep opening to make money this is my second complaint you can look at the first complaint and take the information off of there put it with this XXXX it's the same accounts that's on the first XXXX is the same accounts they keep reopening ever since XXXX and here it is XXXX and they locked me out of my account where I can't get back in on the app and XXXX holes XXXX and Equifax on the app they trying to make me pay but I've been getting it free all this time I still can't get in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
I recently discovered that my personal and financial information was shared without my consent. This is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of any unauthorized records from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 recently discovered that my personal and financial information was shared without my consent. This is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of any unauthorized records from my credit report.

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 2025-01-31 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: MD

Complaint narrative:
I recently discovered that my personal and financial information was shared without my consent. This is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of any unauthorized records from my credit report.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 seven 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- 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 I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida, XXXX. 


XXXX. Wrong Date of Birth : XXXX  My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1000.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$160.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1200.00}

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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
XX/XX/XXXX I called the company to request an invoice with account numbers. The rep I spoke with said she would email the invoice however as of XX/XX/year> I never received the email. 

I called the company again XX/XX/XXXX to request the invoice again and was told they will not send the invoice out. That they didn't have the power to and I would have to email someone, I did and was told they are not going to send out an invoice with the account numbers.

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