vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Portfolio Recov Assoc 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 2025-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hello this is for the XXXX credit bureaus, I been working on my credit report for 6 months and I have add some good account to create good credit and the score says XXXX and is not generating. I would need the credit bureaus to report accurately.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
hello this is for the XXXX credit bureaus, I been working on my credit report for 6 months and I have add some good account to create good credit and the score says XXXX and is not generating. I would need the credit bureaus to report accurately.

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 2025-01-06 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: TX

Complaint narrative:
In XXXX, I contacted LexisNexis to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. 

I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX  Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, LexisNexis has failed to remove these items from my report. 

The fraudulent account with XXXX, for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with LexisNexis, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. 

LexisNexis has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. 

Actions Taken : Submitted identity theft and police reports. 
Contacted LexisNexis in XXXX to request removal of fraudulent accounts. 
Disputed the fraudulent accounts with creditors and other credit bureaus. 
Resolution Requested : I request that LexisNexis immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IA

Complaint narrative:
Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX  XXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.

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 2025-01-06 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: CA

Complaint narrative:
According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential. 

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies XXXX and XXXX have obtained my consent to share this information. Therefore, any prior consent given to XXXX, XXXX, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise. 

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. XXXX and XXXX are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting services

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 2025-01-06 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: CA

Complaint narrative:
According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential.

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies XXXX and Experian have obtained my consent to share this information. Therefore, any prior consent given to XXXX, Experian, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise.

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. XXXX and Experian are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting services

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 2025-01-06 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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2025-01-06 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-01-06 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: HI

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the XXXX data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the XXXX breach. 

Please remove the following accounts from my credit report within four ( 4 ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter. 

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
instantly denied credit which credit is not a factor

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