vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as my formal response to your continued attempts to collect an alleged debt that I dispute. As previously requested, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am invoking my rights to request complete validation of this debt. To date, you have failed to provide sufficient evidence that substantiates the debt, its amount, and your legal right to collect it. 

This is my second formal demand for the following documentation : 1. Proof of the debts validity : This includes the original signed agreement or contract bearing my signature.

2. The full accounting of the alleged debt : Including all payments made, credits applied, and any fees or interest charged.

3. Proof of your authority to collect this debt : Including documentation of any assignment, sale, or transfer of this debt from the original creditor.

4. Identification of the original creditor : Including their name, contact information, and verification of the original debt. 

Until such validation is provided, any attempts to collect this debt, report it to credit bureaus, or contact me about this matter are in violation of my rights under the FDCPA. 

Additionally, under 15 U.S.C. 1692c ( c ), I am demanding that you immediately cease and desist all communication with me regarding this alleged debt. Any further communication, outside of the required provision of documentation, will be interpreted as harassment and a direct violation of federal law. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory bodies. 

Failure to comply with this notice will result in my pursuing all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, as well as attorneys fees and costs. 

Please note that this letter is a good faith effort to resolve this matter amicably. However, it should not be interpreted as acknowledgment of liability or as my consent to be contacted further. 

I look forward to receiving the requested documentation. If you can not provide sufficient validation within 30 days of receipt of this letter, I expect written confirmation that you are ceasing all collection efforts and that this debt will be removed from any credit reporting agencies.

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 2025-01-10 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: LA

Complaint narrative:
Pursuant to Consumer Report received XX/XX/XXXX, my personal consumer address information is inaccurate. I have previously sent Equifax notices and supporting documentation required to correct this information to Equifax beginning in XX/XX/XXXX, however Equifax continues reporting inaccurate information without proper investigation. Please correct these inaccuracies immediately as is your obligation under the FCRA. Under the Fair Credit Reporting Act ( FCRA ) and related regulatory guidance, consumers are not required to provide their full Social Security Number ( SSN ) when updating personal information with a data furnisher. Specifically, FCRA Section 609 ( a ) ( 1 ) outlines that a consumers identification for accessing or correcting information does not necessitate disclosure of the full SSN, allowing for alternative or partial identifying details, such as the last four digits of the SSN.This approach aligns with the privacy and data security principles embedded within the FCRA, safeguarding sensitive personal information while ensuring accurate and fair reporting. Consumers have the right to verify and update their information using reasonable identification methods without compromising their privacy. Under FCRA, Equifax is required to conduct a reasonable investigation and ensure the accuracy of the information in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Dear LoanCare Credit Reporting Department, I hope this letter finds you well. I am writing to request a one-time exception on my credit reporting due to a misunderstanding related to the payments for my Loan Modification trial period and subsequent permanent modification. 

In XX/XX/year>, I was approved for a Loan Modification trial with three consecutive payments of {$3500.00}, ending in XX/XX/year>. In XX/XX/year>, I was officially approved for the modification and received my new agreement, with the first modified payment of {$3600.00} due in XX/XX/year>. 

After receiving this information, I contacted LoanCare customer service to confirm the new payment amount, as I had seen a discrepancy on the portal. The agent explained that the change from {$3500.00} to {$3600.00} was likely due to escrow adjustments. Based on this clarification, I made my XXXX payment of {$3600.00}. 

However, on XX/XX/year>, an escrow annual disclosure statement was created, and the escrow amount was revised again, increasing my new payment to {$3700.00} starting XX/XX/year>. I scheduled my XXXX payment for {$3700.00} accordingly. 

Unfortunately, this series of adjustments led to an unintentional issue. I recently discovered that my credit report reflects a late payment for XX/XX/year> because my payment of {$3600.00} was {$56.00} short of the revised {$3700.00} amount. I was informed that the {$3600.00} payment was placed in suspense, and my XXXX payment of {$3700.00} was applied to XXXX instead. 

Upon contacting LoanCare, an agent reviewed the situation, acknowledged the confusion caused by the varying payment amounts, and assisted by removing the late fees and resolving the {$56.00} discrepancy. I was assured that my scheduled payments are now correct at {$3700.00} moving forward. 

Given the circumstances, I respectfully request that LoanCare make a one-time exception and update the credit reporting for XX/XX/year> to reflect that my payment was made on time. This discrepancy was not intentional, and the confusion stemmed from the changes in payment amounts during the transition from trial to permanent modification. 

I appreciate your understanding and assistance in resolving this matter. Please let me know if any additional documentation is needed to support my request. 

Thank you for your time and attention to this issue. 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
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXX XXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for XXXX XXXX FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-10 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: PA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXXXXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for XXXX XXXX FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX  XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt Validation Requested As per my rights under the Fair Debt Collection Practices Act ( XXXX. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( XXXX ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX license numbers and registered agent.

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 2025-01-10 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: FL

Complaint narrative:
Debt Validation Requested As per my rights under the Fair Debt Collection Practices Act ( XXXX. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( XXXX ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX license numbers and registered agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( XXXX ), I request these items be blocked from my credit report. Additionally, under XXXX XXXX XXXX XXXX ( protection of personally identifiable information ) and XXXX XXXX XXXX XXXX ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( XXXX ), I request these items be blocked from my credit report. Additionally, under XXXX XXXX XXXX XXXX ( protection of personally identifiable information ) and XXXX XXXX XXXX XXXX ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request XXXX Dear XXXX XXXX I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of XXXX and XXXX XXXX : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. XXXX XXXX : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. XXXX of Limitations : XXXX that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within XXXX  days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to you in exercise of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX. XXXX, to dispute the accuracy of an item on my credit report, specifically a XXXX entry. 

Excerpt from the XXXX : XXXX XXXX  XXXX As stated in the law : ( a ) Reinvestigation of disputed information by consumer reporting agency. 
If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

This provision clearly requires credit reporting agencies to verify the accuracy of reported information and to correct or delete any information that can not be verified within XXXX  days of receiving the dispute notice from the consumer. 

Therefore, I respectfully request that this XXXX entry be verified with the reporting entity. If it can not be confirmed as accurate and complete, it should be promptly removed from my credit history. 

I have attached a copy of my identification and my credit report for your reference. I kindly request a written confirmation of the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with legal requirements. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section XXXX of FAIR CREDIT REPORTING TO SECTION ACT ( XXXXXXXX XXXX  XXXX XXXX ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT 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