vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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 am filing this complaint against Experian due to their failure to properly investigate and resolve disputes regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). ** This behavior aligns with allegations in the recent CFPB lawsuit against Experian, which states that Experian does not take sufficient steps to process, investigate, and notify consumers about disputes, leading to the inclusion of incorrect information on credit reports. These systemic issues threaten consumers ' access to credit, employment, and housing. When I disputed errors on my credit report, Experian conducted sham investigations, failed to convey relevant dispute details to furnishers, and uncritically accepted improbable or illogical responses. Additionally, Experian 's notices of investigation results were ambiguous, confusing, and inconsistent. These actions violate federal law and demonstrate a clear failure to uphold XXXX obligations under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of these accounts from my credit report. If this matter is not resolved promptly, I am prepared to pursue 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX I submitted an application for a home, the rental company like many others uses XXXX rental screening services to screen me. Transunion is inaccurately reporting that I was evicted from my previous residence XXXX XXXX in XXXX I called as soon as I discovered this and the company instructed that I start a dispute. I did this and submitted the very document that XXXX forests lawyer submitted to the court stating that I didnt owe them any money and that I was not being evicted. XXXX days later I received a response from transunion stating the dispute was resolved and that after investigating they deemed the information to be valid. I asked them what information did they obtain, they stated they called the courts to confirm the information they are reporting. The courts just verified by mouth what was already being reported inaccurately trans union did not obtain any documents from the courts to prove this they just took their word. This complaint is because transunion failed to verify the validity of the information being reported in a legal way. I believe that if Transunion had asked for evidence behind their allegations the courts would have not been able to provide anything because it is not true. After reviewing court documents online it can be seen that the lawyer representing my apartment complex at the time filed the document stating I owed nothing and would not be proceeding with any eviction. However human error of some sorts at the courts did not allow for my case to be updated properly and the case is being inaccurately reported. I have possession of this document as well. And provided it as proof for my dispute.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Lockhart , Morris & Montgomery XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Cease and Desist Request Regarding Debt Collection To Whom It May Concern, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and I hereby request that you cease all communication with me regarding this matter, except as permitted by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication that is not expressly permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX. Not my Account XXXX Acct # : XXXX Reported as XXXX Days Late. Incorrect. So me Validated Information of Late Pay XXXX XXXX Acct # : XXXX Validate Late Pays XXXX Acct # : XXXX Validate Late Pays XXXX Credit Acct # XXXX XXXX Not My Account *XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Collection XXXX XXXX Acct # : XXXX. Late XXXX XXXX XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXXs. All the above Accounts need to be Validated by actual human. These Accounts are reporting incorrect. My next step is filing arbitration with XXXX and XXXX and XXXX XXXX. Remove these items from my Credit File Immediately This information is inaccurate. Please delete it. As per FCRA 5 U.S.C. 1681. ( Remove From My File

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 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:
While paying my XXXXXXXX XXXX credit card monthly bill online in XXXX, I received an alert indicating that I was eligible for a credit line increase for which I decided to apply. The application was declined. I then received the above-mentioned letter from XXXX XXXX  XXXX copy enclosed ) indicating that the reason for the decision was based singularly on number of accounts with delinquency I diligently keep track of my payments and ensure that they are paid on time. This was confirmed by my XXXX Credit Report which indicates 100 % Payment Made on Time. I have enclosed a summary of my XXXX Credit report documenting this. I then contacted Equifax and spoke to a representative who indicated that, except for high balances, I had no current delinquencies. Equifax opened dispute # XXXX, and the results indicate high balances ( which I expected due to medical bills ), however no delinquencies are reported. 

I contacted XXXXXXXX XXXX XXXX customer service on XX/XX/year>, for their assistance with correcting my account t and spoke with a representative named XXXX who instructed to send my request in writing to XXXXXXXX XXXX XXXXXXXX Credit Bureau Dispute which I did in XXXX. I received a response via a letter dated XX/XX/year>, asking me to complete an included form to provide additional information assist them with researching my dispute. I returned the completed form along with the results of the Equifax dispute # XXXX ( enclosed ) confirming that all the accounts incorrectly flagged by XXXX XXXX were Paid as Agreed. 

Instead of correcting my credit record, on XX/XX/year>, XXXXXXXX XXXX XXXXXXXX Sent me another letter dated XX/XX/year>, with the same form requesting the same information that I had already provided to them back in XXXX. To date, my credit record has not been corrected by XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
Experian, XXXX, XXXX It took over XXXXXXXX XXXX to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Public record. Experian said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
I checked my credit report, and there is a debt from XXXX XXXX from Central Portfolio for {$4000.00}. I have never heard of this company, and I need any information from that company, like the original contract with my signature, sent to me to validate I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
The following accounts have been removed under the Debt Bondage Repair Act due to XXXX Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all 3 major consumer reports. Please see attachments for proof. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please correct my employer 's information. Experian listed XXXX XXXX XXXX XXXX and 'XXXX XXXX XXXX but my correct employer is XXXX XXXX ' XXXX This incorrect information violates the FCRA 's maximum possible accuracy and if it is not corrected after this dispute you, will be held liable for damages of at least {$1000.00} for willful noncompliance. I'm sure you understand the importance of maintaining up-to-date and accurate information on a consumer 's credit 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 2025-01-08 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: GA

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the 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 non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.

Company response to consumer: Closed with non-monetary relief