vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ). According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

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 2025-01-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ). According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a complaint with the FTC in regards to unregognized inquiries on my credit report. The inquiries in question are XXXX XXXX XXXX Georgia XX/XX/year> with XXXX and the Inquiry from XXXX on Transunion on XX/XX/year> 2024

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 2025-01-13 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: V and H Portfolio
State: FL

Complaint narrative:
I am writing to formally report a case of identity fraud that has severely impacted my financial accounts and credit standing. I request your assistance in resolving this matter and ensuring that the responsible companies address the issues appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AR

Complaint narrative:
I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. 

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. 

XXXX XXXX - XX/XX/XXXXXXXX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This is a formal dispute to inaccurate items on my XXXX credit report and to request your assistance in addressing these issues. The information reported by LVNV Funding LLC violates the Fair Credit Reporting Act ( FCRA ) requirement to maintain maximum possible accuracy in consumer credit reports. 
The account in question is identified as follows : Account Name : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number ( Partially Displayed ) : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Status : Collection account, {$640.00} past due as of XX/XX/XXXX Upon reviewing my credit report, I identified the following inaccuracies : Incorrect Payment History : The payment history for this account is marked with a " C '' ( Collection ) beginning XX/XX/XXXX. However, the reported " Date Opened '' for this account is XX/XX/XXXX, making it inconsistent and impossible for the account to have a collection status before that time. 


Validation and Verification Issues : No evidence has been provided by LVNV Funding LLC to validate or verify this alleged debt. As of now, this account remains unvalidated, which raises questions about its accuracy and compliance with the FCRA and FDCPA. 


These discrepancies violate my rights under the FCRA and hinder my ability to maintain a fair and accurate credit report. Inaccuracies such as these have a direct and negative impact on my creditworthiness, as they misrepresent my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ). According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ). According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX  - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Debt Due to Unauthorized Contract Changes Dear XXXX XXXX, I am writing to formally dispute the validity of the debt associated with account number XXXX. I believe this debt is invalid due to unauthorized changes made to the original contract without the consent of the co-signer, XXXX XXXX XXXX, as required under the terms of the agreement. 

Upon reviewing the circumstances surrounding this debt, it has come to my attention that modifications were made to the original contract without obtaining the necessary written approval from all parties, including the co-signer. This constitutes a breach of the original agreement and renders the debt unenforceable. 

To support my claim, I request that you provide the following documentation : A copy of the original signed contract. 
Evidence of any amendments or changes made to the contract. 
Proof that all parties, including the co-signer, provided written authorization for these changes. 
If you are unable to provide this documentation, I request that you cease all collection efforts and remove this debt from my credit report. Please confirm in writing that the debt has been resolved and no further action will be taken. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I expect your prompt response to this matter. Failure to address this issue appropriately may result in my seeking legal remedies. 

Thank you for your attention to this matter. I look forward to your response within 30 days of receipt of this letter. Please direct all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ( XXXX ) XXXX Transunion and XXXX I am writing to formally dispute the accuracy of a late payment reported on my credit account with XXXX XXXX XXXX XXXX. According to my records, I have always made timely payments on this account, which were set up through automatic debit to ensure prompt and consistent payment. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report to credit bureaus. To validate this late payment claim, I request that you provide documentation demonstrating proof of transaction and showing that I was ever late. If you can not supply this documentation within the required XXXX timeframe, I request that this inaccurate late payment entry be deleted from my credit report as per FCRA requirements. 

Additionally, under 15 U.S. Code 1666b - Timing of Payments, it is stated that : A creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that periodic statements, including the required information, are delivered no later than 21 days before the payment due date. 
If a grace period is provided, additional finance charges may not be imposed unless the billing statement reflecting the finance charge basis is delivered at least 21 days before the payment due date. 
I request that you confirm that these requirements were met in this case and provide evidence to support your claim. If this can not be established, the late payment entry must be removed from my credit file. 

This inaccurate information has caused harm to my creditworthiness, and I demand this matter be resolved promptly. Please confirm in writing once the correction has been made. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

To support my dispute, I have attached a copy of my XXXX credit report dated XX/XX/year>, which confirms that my account shows no negative information, late payments, derogatory marks, or delinquencies. This further demonstrates that the late payment claim on my account 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 2025-01-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name -XXXX  XXXX Account number 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 2025-01-13 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: CO

Complaint narrative:
This loan was identity theft. Was opened in XXXX of 2019. If you look at my credit report not a single payment was made on this car. I sent certified police reports to this company and they never removed which is a violation of fcra. This loan was obtained like others using my information with the use of a paper copy of a license ad paper copy of a social security card. So unprofessional and unethical. If they do not remove it I will obtain legal action as I know and have proved this was not me who took this car. My ss number is 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This loan was identity theft. Was opened in XXXX of 2019. If you look at my credit report not a single payment was made on this car. I sent certified police reports to this company and they never removed which is a violation of fcra. This loan was obtained like others using my information with the use of a paper copy of a license ad paper copy of a social security card. So unprofessional and unethical. If they do not remove it I will obtain legal action as I know and have proved this was not me who took this car. My ss number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CO

Complaint narrative:
This loan was identity theft. Was opened in XXXX of XXXX. If you look at my credit report not a single payment was made on this car. I sent certified police reports to this company and they never removed which is a violation of fcra. This loan was obtained like others using my information with the use of a paper copy of a license ad paper copy of a social security card. So unprofessional and unethical. If they do not remove it I will obtain legal action as I know and have proved this was not me who took this car. My ss number is 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 2025-01-13 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: CA

Complaint narrative:
I became a victim of identity theft and discovered fraudulent accounts on my Experian credit report. On XX/XX/year>, I submitted a dispute to Experian, along with a police report, an identity theft affidavit, and all required documentation, as mandated by the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California Civil Code 1785.16 ). Despite following the proper process, Experian failed to remove or block the fraudulent information. 

According to California Civil Code 1785.16 ( k ), Experian was legally obligated to block the disputed accounts within 30 days. Furthermore, under California Civil Code 1785.25 ( a ), Experian is required to avoid reporting information they know or should know is inaccurate. However, the fraudulent accounts remained on my credit report, resulting in significant harm. 

On XX/XX/year>, I lost a job opportunity because my employer relied on an inaccurate credit report containing the fraudulent information. This failure to act has caused both financial harm and emotional distress.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX : XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EQUIFAX, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX  XXXX/XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XX/XX/year> ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ) .

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding my complaint XXXX filed against TransUnion, XXXX, and XXXX. I noticed that the complaint has been marked as closed without a response from the credit bureaus. I am concerned because the issues I raised remain unresolved, and no actions were taken to address my dispute. 

I respectfully request that the complaint be reopened and escalated for further investigation. This matter is critical as it directly impacts my credit report and financial well-being. 

Attached are additional documents to support my case. Please let me know if further information is needed. 

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

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 2025-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing regarding my complaint XXXX filed against XXXX, Experian, and XXXX. I noticed that the complaint has been marked as closed without a response from the credit bureaus. I am concerned because the issues I raised remain unresolved, and no actions were taken to address my dispute. 

I respectfully request that the complaint be reopened and escalated for further investigation. This matter is critical as it directly impacts my credit report and financial well-being. 

Attached are additional documents to support my case. Please let me know if further information is needed. 

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

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