vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review.

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ).

- **Details : ** - Incorrect names reported : " XXXX XXXX '' with multiple variations. 
- Incorrect addresses listed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and variations. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported. 
- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : XXXX late payments misreported. 
- XXXX XXXX XXXX  ( # XXXX ) : XXXX late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : Unauthorized account with past due payments. 
- XXXX XXXX XXXX XXXX ) : Fraudulent activity reported. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX  ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXXl ( XX/XX/year> ) - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX : Re-aged account. 
- **Exhibit : ** E

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review. -- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings. - **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). - **Details : ** - Incorrect names reported :
" XXXX XXXX  '' with multiple variations.

- Incorrect addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and variations.

- **Exhibit : ** A # # #

# 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported. - **Violation : ** FCRA 15 USC 1681s-2.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX : 3 late payments misreported.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 2 late payments misrepresented.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1 late payment inaccurately recorded.

- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized account with past due payments.

- XXXX XXXX XXXX XXXX XXXX : Fraudulent activity reported.

- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ).

- **Details : ** - XXXX XXXX XXXX XXXX XXXX : Re-aged account.

- **Exhibit : ** E

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 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their refusal to assist in correcting and updating my rental payment information for XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated attempts to resolve this matter directly with Experian, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against Experian for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: VA

Complaint narrative:
Dispute of Inaccurate Information- Accounts with XXXX XXXX. 

To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently reviewed my credit report, and I found inconsistencies in the accounts attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.

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 2025-01-04 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: Hauge Associates, Inc.
State: IA

Complaint narrative:
Dispute of Alleged Debt I am writing to formally dispute the debt being reported by Hauge Associates in the amounts of {$2500.00}. I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from Hauge associated to support your claims. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past XXXX years, causing considerable distress and harm. Please provide the following information within 30 days of receipt of this letter : 1. A copy of the agreement that authorizes you to collect on this alleged debt. 2. A detailed statement showing the full accounting of the alleged debt. If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dear Jefferson Capital Systems XXXX, XXXX writing in response to you reporting to XXXX and XXXX XX/XX/year> - amounted {$2100.00} because I do not believe that I owe what you say I owe. 
This is the XXXX  I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 
XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To : Resurgent Capital Services Refrence # XXXX Subject : Cease and Desist Communication Dear Resurgent Capital Services, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I refuse to pay the alleged debt you are attempting to collect. I am invoking my rights under this law to demand that you cease and desist all communications with me regarding this matter, whether directly or indirectly, through any medium, including but not limited to reporting on my consumer report. 

Additionally, I request full disclosure regarding how you obtained my personal information. Specifically, I demand the following : Documentation showing how and from whom my personal information was obtained. 
Evidence of my authorization or consent for you to possess and use my personal information. 
It is important to note that any communication, including the continued furnishing of information about this alleged debt to credit reporting agencies, constitutes a violation of 15 U.S.C. 1692c and will be pursued accordingly. 

You are hereby instructed to : Cease all communication with me through any form of medium. 
Remove all information regarding this alleged debt from any consumer reporting agency to which you have furnished such data. 
Failure to comply with this cease-and-desist order and provide the requested information within 10 business days will result in further legal action to protect my rights under the FDCPA and related laws. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 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. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 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. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Lendmark Financial Services
State: MD

Complaint narrative:
This company has a charge off on my credit report and a charge off is considered income and income can not be reported per irs law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
XXXX TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
15 U.S.C 1681 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these inquiries XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this address I never lived in Texas or even been My information was stolen during that date breach the

Company response to consumer: Closed with explanation