vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$760.00} XXXX XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$760.00} XXXX XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company keeps reporting to credit bureaus without proper debt validation. They were sent a debt validation and cease and desist letter on XX/XX/year> certified mail. I have a receipt and tracking # from XXXX XXXX. Since they received the letter they have reported a balance increase on XX/XX/year> and XX/XX/year> and is still reporting as an open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Basically out of the blue mcm emailed me about a debt they claimed I now owed to them because they had purchased the account for original creditor. XXXX debts XXXX small amounts and XXXX large one so they said. The XXXX small accounts they placed on my credit report as collections even though I have disputed them by asking for validation and itemization. However, for XXXX of them the amount of {$3500.00} they claimed I owed is at least XXXX times of what I know to owed. So, I told them right then there is a mistake because I know nothing of such high amount and this is the amount I owed as of last payment was {$330.00}. So where is this huge amount is coming from and for what? I then requested by emailed to send me a detailed transaction history from first purchase, interest and fees, all of it, to validate their claim and to see how they have came to such large numbers. Instead, they keep on sending me weekly for the past months, the same thing sometimes XXXX piece of paper with mostly their information about MCM and how to pay them and threats of attorney review. Also, on the envelopes they send me, all of them have the debt collection company on them with XXXX particular large one has bill sender and MCM on the outside and no return label. The others are either white XXXX week or bright yellow the next week with MCM on the outside of the envelopes. I have sent them cease and desist letters by email because I cant afford to spend a XXXX on certified mail because my income is extremely limited. Still they dont send what I asked for and they still mail me weekly. And also have told them due to them not proving they own the debt and not providing those account records, I dont have to pay them and I wont, period. But they havent sue me and they have not left me be either. I wish they would just go on and sue so I can put them in my review mirror. As of right now and in the future, only a court order will make them get a dollar out of me. I didnt tell them to go buy bad debts that the IRS has already given credits for to the original creditor. The original creditor is not coming after why should a junk debts buyer get to come after me? The wrong way too, I must add.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate and outdated account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a consumers credit report beyond XXXX years. However, I have a repossession account XXXX XXXX XXXX {$11000.00} - Date opened XX/XX/year>... that has been on my report for nearly XXXX years, which is well past the legally allowed reporting period. I have attempted to dispute this with the credit bureaus, but the account remains on my report. This outdated and inaccurate reporting is negatively affecting my XXXX XXXX and financial opportunities. I am requesting that the CFPB take action to have this account removed immediately as it is a clear violation of the FCRA.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-03-18 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Was contacted by company via phone and mail regarding payment, after stating to them that the balance owed {$2500.00} is not mines. Before account went into collections XXXX XXXX was notified of fraud and i made them aware that a police report had been filed. Im still receiving notices after i told the collection company i was not paying for something i didn't spend. Under law 15USC 1692 C states that If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CORELOGIC INC
State: NC

Complaint narrative:
Unfortunately I have been the victim of a data breach and as a result I have discovered several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Experian neither corrected nor removed disputed items despite the evidence. This item was disputed on XX/XX/year>. 

XXXX XXXX XXXX  XXXX. 

This item was purchased by a Third-Party Debt Collector ( Credit Collections ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third-Party Debt and they are not the original owners and I never signed any accounts with them.

It is a violation of 15 U.S. Code 1692g and 15 U.S. Code1681e ( b ).

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 2025-03-18 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:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Experian neither corrected nor removed disputed items despite the evidence. This item was disputed on XX/XX/year>. 

XXXX XXXX XXXX  XXXX. 

This item was purchased by a Third-Party Debt Collector ( Credit Collections ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third-Party Debt and they are not the original owners and I never signed any accounts with them.

It is a violation of 15 U.S. Code 1692g and 15 U.S. Code1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
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 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
They sent one email saying I owe XXXX  money, but Ive never had a XXXX  account. I dont even have login information for XXXX. Now they keep calling me about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.

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 2025-03-18 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: AZ

Complaint narrative:
CFPB - This answer is unacceptable and your automated response is in appropriate when organization fails to oversee. forwarding a complaint to a company is not resolving the issue when Equifax 's response is clearly posturing. Equifax has had more than adequate time and has already exceeded the time allotted under the fair XXXX XXXX. If Equifax does not produce information as required under federal guidelines there are additional avenues available to consumers in addition to the CFPB response to rectify the situation. 

Every other consumer reporting agency seems to comply and follow guidelines accept of Equifax complaint XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within XXXX days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB XXXX. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There continues to be someones name attached to my court records with no assistance or help getting it removed!

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a checking account with Citibank and had part of my paycheck deposited into that account. They closed my account and will not release my funds for 30 to 60 days

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 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 non-monetary relief