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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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, Account name : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragra
ph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in

accurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reas
onable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
In XXXX, I was diagnosed with XXXX and did not have health insurance due to the XXXX XXXX XXXX website not working. We had just bought a RV through XXXX XXXX. By XXXX, with my business failing and continuous XXXX treatments, I could not make payments. In XXXX, I sold my business. I could not function as a XXXX XXXX after being diagnosed with XXXX XXXX Since that time, I have worked part-time delivering food, and as an XXXXXXXX XXXX XXXX XXXX I make about {$800.00} a month and live off my social security, I am barely making ends meet. At XXXX I do not see that improving. Last year, XXXX XXXX sold my debt to LVNV FUNDING LLC. LVNV FUNDING LLC claims that this debt is only XXXX XXXX XXXX. It is XXXX XXXX XXXX and should not even be on my credit report. They are now harassing me. To top it off. I got my second bout with XXXX ( XXXX XXXX ) and had to spend a year doing XXXX treatments for a year. Being harrassed is not helping me get better.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made efforts to address this issue by reporting the inaccurate information, which has severely impacted my personal life and caused significant emotional distress. The presence of these fraudulent and incorrect items on my consumer reports has prevented me from purchasing my dream car and providing for my family. This information is not mine, and I did not consent to its inclusion in my consumer report. As a victim of identity theft, I have attached my letter along with the FTC report for your reference. If this matter is not resolved promptly and appropriately, I will have no choice but to take legal action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
In XXXX of XXXX the loan payment was increased from {$710.00} to {$1300.00}. The loan statement for XXXX shown XXXX payments from the escrow account. XXXX for " XXXX XXXX  '' and XXXX for " XXXX XXXX  XXXX '' totaling {$1700.00}. 

XX/XX/XXXXXXXX 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 checked with our county tax accessors office, and the county tax clerk stated the property taxes on the mobile home were not in arrears and had never been in arrears. We got copies of each year 's tax receipts going back to XXXX showing that the taxes had been paid on time and by who and sent them to Select Portfolio at their request. I requested the delinquent tax notice from Select Portfolio showing the taxes were delinquent and what properties the multiple tax payments were being applied to and what tax entity received the payments. Select Portfolio has NOT provided these documents. As of this date the erroneous delinquent tax and tax penalty charges are still being applied to the escrow account and Select Portfolio is trying to collect them. Since then, we have dropped the escrow account from the loan. Since first contacting Select Portfolio about this issue, I have been contacted numerous times stating my loan payment is delinquent. I have had more and more difficulty talking with representatives who simply ask if I want to pay the escrow charges without looking at the notes on the account. My online account has been locked numerous times without provocation while I have been online looking at documents. I've been told the issue has been sent " up to '' Select Portfolio 's " Legal and Tax '' department with no response from said department. I have continued to pay the principal and interest on the loan without hesitation.

Company public response: Company believes it acted appropriately as authorized by contract or 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: Improper use of your report — Credit inquiries on your report that you don't recognize
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing the collection account with BANK OF AMERICA, account number XXXX, dated XX/XX/year>, with a balance of {$380.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANK OF AMERICA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that need immediate investigation and correction. Specifically : XXXX Account : This account is inaccurately reporting late payments, which is incorrect. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. I am demanding that this account be updated to reflect " paid as agreed/never late. '' XXXX Account : I am disputing this account under 15 U.S.C. 1681s-2 and requesting validation of the debt per 15 U.S.C. 1692g. If proof of this debt, such as the original signed contract or related documents, is not provided, the false reporting must be removed. Failure to comply would constitute willful non-compliance as established in cases like XXXX XXXX XXXX XXXX XXXX. 

XXXX Account : I am similarly disputing this account under 15 U.S.C. 1681s-2 and requesting validation of the debt. The same requirements for proof apply, and failure to validate the debt should result in its deletion. 

XXXX CARD Account : This account also requires validation under 15 U.S.C. 1692g, with proof of the original contract or authority to collect the debt. Without sufficient documentation, this account must be deleted. 

XXXX Account : I am disputing this account on the same grounds, requiring validation or removal if proof is not provided. 

KOHLSCAPONE Account : I am disputing this item and demanding validation under 15 U.S.C. 1692g. If no documentation is provided, the account must be removed.

Additionally, I noticed inaccuracies in my personal information : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally obligated to investigate and correct these inaccuracies within XXXX days. This obligation is reinforced by precedents such as XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which highlight the need for thorough and reasonable investigations. 

I expect a complete investigation, written confirmation of your findings, and an updated credit report reflecting the corrections. Failure to address this within the legally mandated timeframe may result in further action, including complaints to regulatory agencies like the CFPB and FTC or pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. 

This is a formal demand, and I expect prompt attention to resolve these issues.

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: 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: TX

Complaint narrative:
I have attempted to resolve this issue by reporting the inaccurate information, as it negatively impacts my personal life and causes me significant mental distress. Due to these fraudulent and incorrect items on my consumer reports, I have been unable to purchase my dream car or adequately provide for my family. This information does not belong to me, nor did I consent to its inclusion on my consumer report. I am a victim of identity theft. Attached, you will find my letter along with the FTC report. If this matter is not resolved appropriately, I will be forced to pursue legal action.

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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute with Experian Regarding Inaccuracies in Payment History for Capital Auto Account I am writing to formally document my ongoing dispute with Experian Credit Bureau regarding inaccuracies in the payment history reported for my XXXX XXXX account. Despite submitting multiple disputes, accompanied by valid proof and evidence demonstrating these inaccuracies, my dispute has repeatedly been denied without any valid documentation, evidence, or proof provided by Experian to justify their decision. 

The inaccurate information remains on my credit report, causing unwarranted harm to my creditworthiness. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have inaccurate information corrected or removed. Experian has failed to address this issue adequately or resolve my concerns in compliance with these obligations. 

I request that this matter be re-investigated promptly, and I expect Experian to provide either : Evidence supporting the accuracy of the disputed payment history ; or The removal of the inaccurate information from my credit report. 
Failure to resolve this matter will leave me with no choice but to escalate the issue further through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

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: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL

Complaint narrative:
XX/XX/year> the creditor charged off my debt in the amount of {$6900.00} and did not furnish me with a 1099c for the charged off amount.

Company response to consumer: Closed with explanation