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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference. 

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order.

With my prior written consent.

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction.

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order.

With the consumer 's written consent.

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CO

Complaint narrative:
I am writing to seek your assistance with an issue involving XXXX XXXX XXXX, XXXX XXXX XXXX, and Moore Law Group, which has significantly impacted me both financially and emotionally. 

I was previously enrolled in a program with XXXX XXXX XXXX, during which XXXX of my accounts was taken to court. XXXX XXXX XXXX, working as part of XXXX XXXX XXXX, was representing me in this matter. However, after being unable to reach a proper agreement with the agency involved, I decided to remove the account from XXXX XXXX XXXX representation. Shortly thereafter, I settled directly with Moore Law Group and have been making regular payments for over a year. 

Recently, I attempted to contact Moore Law Group to negotiate a lump-sum payment to resolve the account. However, I discovered that XXXX XXXX XXXX did not revoke the Power of Attorney ( POA ) they had filed with Moore Law Group. As a result, every time I contact Moore Law Group, they refuse to speak with me or provide any assistance. 

I have made multiple efforts to resolve this issue. XXXX XXXX XXXX has sent me a letter indicating that the POA has been revoked, but Moore Law Group will not accept the letter because it is on XXXX XXXX XXXX letterhead and not issued directly by XXXX XXXX XXXX. 

I have repeatedly contacted XXXX XXXX XXXX to obtain the necessary revocation of POA. Each time, I am told that a paralegal will assist me, but no one follows through. I even reached out to XXXX XXXX, the lead attorney at XXXX XXXX XXXX, who assured me she would assist. However, I am still unable to make any progress, as Moore Law Group continues to refuse to engage with me.

This situation has left me in a state of complete frustration and helplessness. I can not obtain basic information about my account balance, negotiate a settlement, or make any progress toward resolving the debt. This has caused significant financial strain and emotional distress. 

I feel that I have exhausted all options and am now turning to the CFPB for assistance in addressing this matter. I respectfully request your help in ensuring that XXXX XXXX XXXX issues the proper revocation of the Power of Attorney to Moore Law Group so that I can regain control over my account and resolve this matter.

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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I sent certified mail to cease and desist letter was sent to creditor with no response and the credit bureaus have refused to remove an item from your credit report. Company continues to contact me via email and phone.

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Account NumberXXXX On XX/XX/XXXX Resurgent Capital Services responded to my complaint stating the account originated on XX/XX/XXXX and that Resurgent acquired it on XX/XX/XXXX. Yet Resurgent is reporting on my credit report that the account was opened in XXXX which is INCORRECT based on the information that THEY provided. 

Compliance with FCRA for Incorrect Information : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are required to ensure the accuracy and integrity of the information they report. Additionally, under 1681i, credit reporting agencies are obligated to investigate disputes regarding inaccurate or incomplete information on credit reports. 

If the information you have reported about this alleged debt is found to be inaccurate or unverifiable, you are required by law to correct or remove the information promptly. Failure to comply with these obligations may result in legal action, including complaints filed with In addition, debt collectors can not re-age a debt to keep it on my credit report longer than allowed. I have not acknowledged, have no direct contract with Resurgent,, or made payment arrangements with Resurgent and their purchase of this debt does not reset the seven-year credit reporting period.

Under the Fair Credit Reporting Act ( FCRA ) in the U.S., delinquent debts must be removed from my credit report seven years from the date of the first delinquency ( the date the first missed a payment and never brought the account current ) .Even if the debt is sold to a new collector, the seven-year clock does not reset. The reporting period is based on the original delinquency date, not the date the debt was sold.This debt has surpassed that time limit, it is no longer eligible to appear on my credit report as the account was opened in XXXX and its XXXX. THIS IS XXXX YEARS. 
This debt is time-barred from credit reporting, I also demand its immediate removal from my credit reports and that no further collection attempts be made.

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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Heres the updated CFPB complaint, formatted to comply with the guidelines provided : -- - **Consumer Financial Protection Bureau Complaint** **Date : ** [ Insert Date ] **Subject : ** Complaint Regarding Unauthorized Disclosure of Nonpublic Personal Information by XXXX XXXX XXXX and LVNV Funding **To Whom It May Concern, ** I am submitting this complaint regarding the handling of nonpublic personal information by XXXX XXXX XXXX ( original creditor ) and LVNV Funding ( debt collector ). Their actions appear to violate federal privacy and disclosure laws. 

# # # **Details of the Issue** - **Account Activity : ** The original account was established with XXXX XXXX XXXX  on or around XXXX - **Collection Activity : ** On or around XXXX LVNV Funding began collection efforts on this account, including letter, phone calls, emails etc. 
- **Opt-Out Notice : ** On [ XX/XX/XXXX ], I sent a written notice to both XXXX XXXX XXXX and LVNV Funding opting out of all authorizations to disclose my nonpublic personal information to nonaffiliated third parties, as permitted under federal law. 
- **Amounts in Dispute : ** The account is being reported with a balance of [ insert amount, e.g., {$1200.00}, which has been subject to disclosure in ways that I believe violate privacy laws. 
# # # **Statutory Violations Referenced** 1. **15 U.S.C. 6802** Prohibiting disclosure of nonpublic personal information without proper consent.

2. **15 U.S.C. 6801** Requiring financial institutions to safeguard customer privacy.

3. **26 U.S.C . 7213** Criminal penalties for unauthorized disclosure of information.

Despite my opt-out request, there is evidence that my nonpublic personal information has been improperly disclosed by XXXXXXXX XXXX XXXX and/or LVNV Funding. These disclosures have resulted in unwarranted collection actions and possible reporting to nonaffiliated third parties. 

# # # **Actions Requested** I respectfully request that the CFPB : 1. Investigate whether XXXX XXXX Bank and LVNV Funding have violated federal laws concerning the disclosure of nonpublic personal information. 
2. Enforce compliance with all applicable statutes to ensure my privacy rights are protected.

3. Require a full disclosure and remediation of any unauthorized disclosures of my information.

Thank you for your time and attention to this matter. I am available to provide additional details or documentation as needed to assist in the investigation. 

. Let me know if you need assistance filing the complaint or further revisions!

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent accounts by XXXX XXXX XXXXXXXX - ( PARTIAL ACCOUNT NO : XXXX .... ), XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX ) and XXXX XXXX / XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent 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 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: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, XX/XX/XXXX, then again in XX/XX/XXXX, then again in XX/XX/XXXX, then again XX/XX/XXXX. I submitted a complaint XX/XX/XXXX specifying this error, however after your third investigation this still is not fixed. Accounts can not be charged off 5 times. Also, you don't show any of my payments, payment amounts, or month of payments for this account. How can you know my balance, and how can balance decrease if you don't know my payments. Creditors need to be able to see my payment history. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 2025-01-13 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: TX

Complaint narrative:
I recently checked my Experian credit report after not reviewing it for some time. To my surprise, I noticed a XXXX XXXX XXXXXXXX credit card listed under my name or Social Security Number ( SSN ). I have never opened a XXXX XXXX XXXXXXXX credit card, so Im unsure how this occurred. This unauthorized credit card record appeared on my report. 

On XX/XX/XXXX, I filed a dispute with Experian regarding this issue. However, when the dispute results came back on XX/XX/XXXX, they refused to remove this incorrect XXXX XXXXXXXX XXXX credit card record on my report. 

I contacted XXXX XXXX XXXXXXXX directly, and they confirmed that I do not have any account or credit card with them. I am requesting that Experian remove this erroneous XXXX XXXX XXXX record from my credit report immediately to prevent it from negatively affecting my credit score.

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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have been the victim of inaccurate reporting that has severely impacted my financial life. Since XX/XX/year>, I have been blacklisted from all banking systems due to erroneous information being reported by XXXX XXXX XXXX. This has resulted in my funds being frozen in XXXX for four months, and it was only after prolonged effort that the funds were finally released. During this process, it was discovered that there was no record indicating that my profile was " unfundable. '' Despite this, all banks continue to deny me banking services, even though ChexSystems and XXXX XXXX are not reporting any accounts with significant delinquencies. This situation has caused significant hardship and emotional distress, and it continues to affect my ability to manage my finances.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My information was exposed in a data breach. Under 15 USC 1681 Right to privacy

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