vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I submitted multiple complaint through the CFPB and through the mail, in order for the company to remove information negatively affecting my credit report and my ability to provide fore my basic needs, like affording housing or food, transportation and clothing. Aside from Actual damages and pain and suffering, these companies owe me {$1000.00} per violation according to the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance ; 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} ; or

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This is in reference to the following pre-existing complaints XXXX XXXX I received a response that Midland Credit needed additional time to fully investigate the above mentioned complaints. My first communication with Midland as you can see from my other two complaints was XX/XX/XXXX. Midland verbally refused to produce a debt validation on both accounts and verbally refused to cease and desist. I have a recorded conversation with Midland Credit to show this. However, even with verbal communication, I followed up with certified letters which are attached to the mentioned complaints above. Midland Credit Management signed for these letters on XX/XX/XXXX. The legally mandated time in which to respond is 30 days which from my verbal request would be XX/XX/XXXX. Midland Credit Management LLC will have until XX/XX/XXXX, to provide me with all the documentation that was requested in the Debt Validation request. As a XXXX XXXX XXXX XXXX, they should have all documentation that is required even before making contact with the consumer. No extensions will be provided for Midland Credit Management. I have a recorded conversation with Midland Credit Management of their staff refusing to comply which will stand up in a court of law as Midland Credit Management was recording the same conversation and I gave notification that the call was being recorded as well and Midland consented. Midland Credit Management will have until XX/XX/XXXX to provide me with complete documentation as requested in the Debt Validation. No partials will be accepted. If not received in my hand by XX/XX/XXXX, I will file a suit against Midland Credit Management with the Maryland Attorney 's General Office and will ask for damages of {$1000.00} for each time they contacted me or anyone in family after XX/XX/XXXX, and for each time they accessed my Credit Report without my authorization. I will also ask the Court to compel Midland Credit to cease any collection action and not be authorized to sale or transfer to another, person, agency or any entity for collection efforts. If Midland Credit Management can not provide COMPLETE documents requested, then a letter from Midland Credit Management will be accepted that both of their fradulent accounts in the letters that were provided are non-existant and no further collection measures will be taken nor will the fradulent account be sold or transferred to another collection agency, person or entity to try and collect. In addition, Midland Credit must stop accessing my Credit Report as they were not given permission to do so and they must stop reporting. Failure to respond in the legally mandated time will result in me contacting the MD Attorney 's General Office on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 in a word document. 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 605B of the Fair Credit Reporting Act.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No credit score shown on my credit Too many anomalies, but things are now starting to make a little sense.

Over the course of 5 or 6 years, I believe my personal information was shared with a third party ( XXXX XXXX XXXX ), and whomever else, and and provided to the HR Dept of my past employers resulting in adverse actions being taken against me. I believe these actions to not only be illegal, but also unconstitutional, including but not limited to multiple employer background checks being run without written consent and legal protocol resulting in smear campaigns, workforce discrimination, organized stalking/surveillance, unfair treatment, workforce harassment, job search blacklisting, and even termination under pretext.

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 2025-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
No credit score shown on my credit Too many anomalies, but things are now starting to make a little sense.

Over the course of 5 or 6 years, I believe my personal information was shared with a third party ( XXXX XXXX XXXX ), and whomever else, and and provided to the HR Dept of my past employers resulting in adverse actions being taken against me. I believe these actions to not only be illegal, but also unconstitutional, including but not limited to multiple employer background checks being run without written consent and legal protocol resulting in smear campaigns, workforce discrimination, organized stalking/surveillance, unfair treatment, workforce harassment, job search blacklisting, and even termination under pretext.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On my report there were multiple hits from the same company but under different names ; some having my dob incorrect along with the wrong address. Reach out the a credit repair company who acted on my behalf and disputed the items on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I sent dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding inaccurate information on my credit report. These letters requested verification for several accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  , and others . I highlighted errors such as incorrect late payment records, inaccurate account statuses ( e.g., Collection or Charge-Off ), and outdated or incomplete data. I specifically asked for evidence of verification, documentation of compliance with FCRA and Metro 2 standards, and removal of unverifiable or inaccurate information. Despite these efforts, XXXX has only provided generic form letters stating the accounts were " verified '' without offering evidence or addressing the specific issues. This failure to properly investigate violates my rights under the FCRA and Metro 2 standards. I request a thorough investigation of these disputes, a detailed response explaining the verification process, and the removal of any inaccurate or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I sent dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding inaccurate information on my credit report. These letters requested verification for several accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , and others . I highlighted errors such as incorrect late payment records, inaccurate account statuses ( e.g., Collection or Charge-Off ), and outdated or incomplete data. I specifically asked for evidence of verification, documentation of compliance with FCRA and Metro 2 standards, and removal of unverifiable or inaccurate information. Despite these efforts, XXXX has only provided generic form letters stating the accounts were " verified '' without offering evidence or addressing the specific issues. This failure to properly investigate violates my rights under the FCRA and Metro 2 standards. I request a thorough investigation of these disputes, a detailed response explaining the verification process, and the removal of any inaccurate or unverifiable data.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have several accounts on my report that have been on there for more than 7 years. Which after 7 years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from 8+ years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have several accounts on my report that have been on there for more than 7 years. Which after 7 years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from 8+ years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but the inaccurate accounts remained. Due to this issue, I kindly request that the documents I submitted be reviewed carefully, so I can have peace of mind moving forward.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-23 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the less 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-01-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. ~ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. ~5536 ( A ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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