vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-11 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: Westlake Services, LLC
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX my credit score dropped and I was denied credit do to this unknown charge from this company. I do not know who Amsher is and I haven't ever done business with them before. I contacted them and they gave me the run around I contacted XXXX XXXX they say that they do not have the account it was written off. My identity was breached and stolen I believe this has been opened fraudulent this is not my account and I would like it to be permanently removed in from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
Subject : Dispute Regarding Inaccurate Credit Reporting by Experian Dear CFPB, I am writing to formally dispute inaccuracies on my credit report provided by Experian, in accordance with XXXX USC XXXX regarding civil liability for negligence. I believe that the following accounts contain incorrect information that has adversely affected my creditworthiness and overall financial standing. 

The specific accounts in question are as follows : 1. XXXX XXXX XXXX : Balance reported as {$2600.00}. 
2. XXXX XXXX XXXX Reporting a past due balance of {$370.00} as of XX/XX/XXXX. 
3. **Inquiries** : Multiple inquiries that appear on my report, which include : - XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX- Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX- Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX - Reporting a balance of {$20000.00} updated on XX/XX/XXXX, with a past due amount of {$540.00}. 
- XXXX XXXX XXXX XXXX ( additional details needed ). 

These inaccuracies have not only misrepresented my financial situation but have also placed me at a disadvantage in securing future credit. I kindly request that the CFPB investigate these discrepancies and hold Experian accountable for any negligence in accurately reporting my credit information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me for any further information needed to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The consumer Financial Protection Bureau has filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. these failures align with my experience. Experian has neither corrected or remove these.

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 2025-02-11 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1400.00},, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX & XXXX  In Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$810.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$580.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$220.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX/XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX corporat Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX via dealer, 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1400.00},, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX & XXXX  In Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$810.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$580.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$220.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX/XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX corporat Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX via dealer, 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 explanation
Consumer complaint received 2025-02-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate and unauthorized debt collection entry on my credit report, which I discovered on XX/XX/XXXX. The collection account, reported by Transworld Systems I ( XXXX XXXX Way, XXXX XXXX, XXXX XXXX, CA XXXX ), claims I owe {$1500.00} on behalf of XXXX Partners ( The Reserve in XXXX City ) as of XX/XX/XXXX. 

I do not owe this debt and was never notified of its existence before seeing it on my credit report. I never received a phone call, email, or letter from either Transworld Systems I or XXXX Partners regarding this alleged debt. However, I recently received a phone call from The XXXX in XXXX XXXX, where they informed me that they had mistakenly placed the debt in my name instead of the actual responsible party. 

Despite this admission of error, the collection account remains on my credit report, significantly impacting my credit score and hindering my ability to refinance my home, causing undue financial hardship.

I am formally requesting : 1. Immediate removal of this false collection account from my credit report.

2. A written confirmation that this debt has been removed and that no further action will be taken against me.

3. An investigation into this misreporting to prevent similar errors from occurring in the future.

This misreported debt is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If this issue is not resolved promptly, I will explore further legal action. 

Please address this matter urgently and provide an update on the resolution process. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt. 

2. All account statements from the original creditor demonstrating a full history of charges, fees, and payments. 

3. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect. 

4. A full breakdown of all fees and charges added to this account after the original debt was created. 

5. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid. 

6. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records. 

7. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting. 

Until these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting. 

Additionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation. 

Should you fail to comply with this request, I will not hesitate to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX  XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items : Chapter 13 Bankruptcy 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

Company response to consumer: Closed with explanation