vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX REMOVE XXXX XXXX FROM MY CREDIT REPORT. EQUIFAX AND TRANSUNION IS REPORTED VERTIFY. I ASK BOTH CREDIT REPORTING AGENCY TO PROVIDE ME WITH THERE INVESTIGATE HOW THEY COME UP WITH VERTIFIED. I SEND A DEBT VAILIDATIONS AND I HAVE NOT GOTTEN A RESPONSE. BOTH CREDIT AGENCY IS REPORTING INACCURACIES ON MY CREDIT REPORT. I ASK BOTH CREDIT AGENCY FOR A PROPER INVESTIGATE. I ASK FOR A SIGNMENT CONTRACT AS WELL. 
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC XXXXg Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide XXXX with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal stafT will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 3 ( ) days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel fr suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 3 ( ) days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-03-10 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report I XXXX XXXX XXXX is dispute the denal from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX XXXXs requesting reverse decision on my application I put in on the property management company went through your processing software. 

Dispute letter, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: WI

Complaint narrative:
I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts appearing on my credit report due to identity theft stemming from the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: WA

Complaint narrative:
Nature of Complaint Failure to conduct reasonable investigation of disputed information as required by the Fair Credit Reporting Act ( FCRA ) Description of Issue I am filing this complaint against Experian, Equifax and Transunion for their failure to conduct a reasonable investigation of disputed information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/year>, I submitted a formal dispute to Experian Equifax and Transunion regarding inaccurate information in my credit report related to Account name XXXX XXXX XXXX Account name XXXX/XXXX, Account name XXXX XXXX XXXX XXXX XXXX I provided detailed information about the inaccuracies and requested a thorough investigation as required by law Here are the tracking numbers via XXXX of my disputes Checking Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Instead of conducting a reasonable investigation, Experian responded with a generic, automated message stating that they " received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This response appears to be a systematic attempt to avoid their legal obligation to investigate disputed items. 

The response I received ( attached to this complaint ) demonstrates that Experian is not fulfilling its obligations under the FCRA for the following reasons : 1. **Failure to conduct reasonable investigation** : Experian has not shown evidence of performing any investigation into my disputed items as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. **Automated dismissal of legitimate disputes** : The systemically generated notice I received suggests Experian is using automated systems to dismiss legitimate disputes without proper review, a practice which appears to align with issues identified in the CFPB 's recent lawsuit against Experian.

XXXX. **Mischaracterization of my dispute** : Experian incorrectly claimed my dispute was not authorized by me, despite my having followed their proper dispute procedures. 

4. **Failure to provide results of investigation** : Experian did not provide me with the results of any investigation or take action on the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Previous Attempts to Resolve I submitted XXXX dispute letters to Experian on XX/XX/XXXX using certified mail with return receipt. After each submission, I either received no response or automated responses similar to the XXXX attached, indicating no substantive investigation was conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Nature of Complaint Failure to conduct reasonable investigation of disputed information as required by the Fair Credit Reporting Act ( FCRA ) Description of Issue I am filing this complaint against Experian, Equifax and Transunion for their failure to conduct a reasonable investigation of disputed information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/year>, I submitted a formal dispute to Experian Equifax and Transunion regarding inaccurate information in my credit report related to Account name XXXX XXXX XXXX Account name XXXX/XXXX, Account name XXXX XXXX XXXX XXXX XXXX I provided detailed information about the inaccuracies and requested a thorough investigation as required by law Here are the tracking numbers via XXXX of my disputes Checking Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Instead of conducting a reasonable investigation, Experian responded with a generic, automated message stating that they " received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This response appears to be a systematic attempt to avoid their legal obligation to investigate disputed items. 

The response I received ( attached to this complaint ) demonstrates that Experian is not fulfilling its obligations under the FCRA for the following reasons : 1. **Failure to conduct reasonable investigation** : Experian has not shown evidence of performing any investigation into my disputed items as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. **Automated dismissal of legitimate disputes** : The systemically generated notice I received suggests Experian is using automated systems to dismiss legitimate disputes without proper review, a practice which appears to align with issues identified in the CFPB 's recent lawsuit against Experian.

XXXX. **Mischaracterization of my dispute** : Experian incorrectly claimed my dispute was not authorized by me, despite my having followed their proper dispute procedures. 

4. **Failure to provide results of investigation** : Experian did not provide me with the results of any investigation or take action on the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Previous Attempts to Resolve I submitted XXXX dispute letters to Experian on XX/XX/XXXX using certified mail with return receipt. After each submission, I either received no response or automated responses similar to the XXXX attached, indicating no substantive investigation was conducted.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am asking for your help in investigating companies that have inaccurately reported late payments on my accounts. Upon reviewing my credit report, I found errors where certain accounts were marked as late, which is incorrect. No late payment remarks should be on these accounts.

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 2025-03-10 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
XXXX a victim of identity theft. Ive been disputing these claims for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC [ LVNV Funding Address ] Subject : Formal Complaint Regarding Unauthorized Use of My Name To Whom It May Concern, I am writing to formally dispute and file a complaint regarding LVNV Fundings unauthorized use of my name. I recently became aware that LVNV Funding is associating a debt with my identity, yet I never provided consent for my name to be used in connection with any account or obligation managed by your company. 

This action appears to be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws. I request the following : 1. Proof of Consent Provide documentation demonstrating that I consented to any agreement allowing the use of my name.

2. Verification of the Debt If you claim this debt is valid, I demand full validation, including the original creditors information and proof that the debt belongs to me.

3. Immediate Cease and Desist If no valid proof is provided, I demand that you remove any association of my name from your records and stop any collection activities immediately. 



Additionally, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney General, and other relevant authorities if necessary. I also reserve the right to take legal action for any damages caused by this unauthorized use of my name. 

I expect a written response within 30 days, confirming your compliance with this request. Failure to act accordingly will result in further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Despite my submission, I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transition consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 i,  which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. The accounts I have reported inaccurate are XXXX XXXX XXXX XXXX XXXX. these accounts are reporting payments were late, which they were never late, and also paid in full.

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 2025-03-10 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: FL

Complaint narrative:
I have a late payment reflected in 2020. Which was never late, and it still reports on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-10 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:
I have a late payment reflected in 2020. Which was never late, and it still reports on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a late payment reflected in 2020. Which was never late, and it still reports on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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