vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
To whom it may concern, I filed a dispute on the XXXX of XXXX of XXXX about this collection agency ( Source Receivables Management ). On XXXX of XX/XX/XXXX XXXX completed the dispute by stating that they investigated the dispute and that it will remain on my credit. On XXXX I went back into XXXX and did a XXXX dispute about this company stating to them that I do not owe this company nor do I have a sign contract with this company. On XXXX of XXXX I contacted XXXX and asked them to provide me with documentation of the investigation into how this investigation took steps to show that I owe this company. I spoke with a dispute representative XXXX XXXX  around XXXX, the representative stated to me at first they just call the company, then the representative said that they did a internal investigation, so at that time I ask the representative to send me the documentation showing that I owe this company and the steps they took to deal with this matter, the response from the representative stated to me that he could not provide me any documents of the steps they took nor did the company send them any documents. I ask the representative then how did you come to the conclusion that I owe this company and that it will remain on my credit until XXXX, the representative stated he do not know what else to tell me, but this matter is solved and then hung up the phone on me. I have sent XXXX and Source Receivables Management a validation letter asking for sign documentation showing that I owe this company. XXXX refused and the only thing that the company Source Receivables Management sent was a printout of the bill they generated. Showing that they brought this debt from a creditor on XX/XX/XXXX which shows that I never had a sign contract with Source Receivables Management, and I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: RI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-28 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
I received notice for the attempt to collect a debt on a debt that a XXXX dismissed due to the XXXX XXXX XXXX XXXX XXXX not making an appearance in court. I was sued by XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I obtained XXXX through XXXX. NOT ONCE WAS the XXXX XXXX XXXX XXXX XXXX able to PROVE THIS DEBT BELONGS TO ME. I AM now being harassed, I am asking them to prove that this debt is mine. I went to every single court appearance I took and take this matter very seriously. I could have lost my job, and you are attacking not only my credit but most importantly my livelihood and it is not fair. ACCORDING TO 15 U.S CODE 1692G I AM IMMEDIATELY REQUESTING XXXX ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I ACTUALLY SIGNED FOR THIS DEBT. XXXX ) A DETAILED LIST OF MY HISTORY OF PAYMENTS XXXX ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL XXXX. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. XXXX ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! XXXX ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED XXXX ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET THIS IS NOW HARASSMENT!! YOU ARE HARASSING ME!! YOU TOOK ME TO COURT AND THE CASE WAS DISMISSED AND YOU ARE CONTACTING ME AGAIN FOR WHAT REASON..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding Experians failure to provide verification of a debt that appears on my credit report. I requested verification of this debt pursuant to the Fair Credit Reporting Act ( FCRA ), and despite my efforts, Experian has not fulfilled its obligation to provide proof that the debt is valid and that it belongs to me. 
The specific details of the debt in question are as follows : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Debt Amount Reported : {$3000.00} I initially submitted my request for verification to Experian on [ insert date of your request ], following the discovery of this debt on my credit report. I included all necessary information and requested that Experian provide : 1. Verification of the debts validity. 
2. Proof that the debt belongs to me.

3. Supporting documentation from the original creditor or collection agency.

To date, Experian has failed to provide this information. Instead, the debt remains on my credit report without proper substantiation, in violation of my rights under the FCRA. This lack of response has caused unnecessary stress and may have negatively impacted my creditworthiness. 
I am requesting the CFPB to investigate this matter and compel Experian to provide the required documentation or remove the debt from my credit report. I have attached the following documents to support my case : 1. A copy of my credit report showing the disputed debt.

2. A copy of my original debt verification request sent to Experian.

.Please let me know if you require additional information to assist with your investigation. You may contact me by email at XXXX or by phone at XXXX. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring compliance with consumer protection laws and holding Experian accountable for their responsibilities. 
Sincerely, XXXX XXXX attached is the letter that i sent and the account in question

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CO

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-28 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: CO

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-28 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-28 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: TX

Complaint narrative:
Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone Number : XXXX Email Address : XXXX Last 4 Digits of SSN : XXXX Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws In XXXXXXXX XXXX XXXX I discovered multiple fraudulent accounts and inquiries on my credit reports from XXXX, XXXX, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose 3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting. 
4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 

Fraudulent Accounts in Dispute : Creditor Name : XXXX Account Number : XXXX Type : Credit Card Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX  Type : auto insurance Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Type : personal loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Type : auto loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX Type : medical service Status : Fraudulent The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

FTC Identity Theft Report Number : XXXX Notified the creditor ( XXXX XXXX and initiated a fraud investigation. 
Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
Filed disputes with XXXX, XXXX, and TransUnion. 
Currently in the process of filing a police 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 non-monetary relief
Consumer complaint received 2025-01-28 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:
Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone Number : XXXX Email Address : XXXX Last 4 Digits of SSN : XXXX Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws In XXXXXXXX XXXX XXXX  I discovered multiple fraudulent accounts and inquiries on my credit reports from XXXX, Equifax, and XXXX that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose 3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 

Fraudulent Accounts in Dispute : Creditor Name : XXXX Account Number : XXXX Type : Credit Card Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX Type : auto insurance Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Type : personal loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Type : auto loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX  Type : medical service Status : Fraudulent The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue. 

FTC Identity Theft Report Number : XXXX Notified the creditor ( XXXX ) and initiated a fraud investigation. 
Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
Filed disputes with XXXX, Equifax, and XXXX. 
Currently in the process of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-28 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: MD

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation