vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
This is NOT a dispute but a formal demand for Experian to comply with federal law and immediately remove the erroneous and unverified account, XXXX XXXX XXXXXXXX, from my consumer report. 

I have repeatedly submitted complaints regarding this account, yet Experian has failed to take corrective action. No other credit bureau is reporting this inaccurate account. I have only ever had XXXX XXXX account, opened in XXXX, which is already correctly reporting. Despite my initial dispute letter, sent over XXXX months ago on XX/XX/XXXX, and time-stamped for reference, this erroneous account remains on my credit file. 

Under 15 U.S. Code 1681b ( a ) ( 2 ), this letter serves as a written instruction from me, the consumer, demanding compliance. The Fair Credit Reporting Act ( FCRA ) requires Experian to uphold maximum possible accuracy while respecting my right to privacy under 15 U.S. Code 1681e. Your agency has failed to meet these legal obligations by maintaining inaccurate and unverifiable information that has already been removed from another consumer reporting agency.

Additionally, your failure to maintain reasonable procedures has resulted in a conspiracy to deprive me of my rights under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ), restricting my ability to obtain new credit. This is a federal criminal violation under 18 U.S. Code 241. As mandated by 15 U.S. Code 1681b ( e ) ( 6 ), consumer reporting agencies must have a joint notification system to ensure accuracy, yet this account is still being falsely reported by Experian while it does not exist on my Equifax or TransUnion reports.

This is a clear failure to maintain reasonable procedures for maximum possible accuracy and false/misleading reporting, violating 15 U.S. Code 1681i ( 5 ) ( A ). If this account is not immediately deleted, I am prepared to take legal action. Experians failure to comply with federal law is grounds for a lawsuit, as numerous case law precedents have ruled in favor of consumers when credit bureaus fail to meet their legal obligations.

I demand that this account be immediately removed from my consumer report as required under federal law. Experian is required to notify me within 30 days and provide an updated copy of my credit report. Your continued willful noncompliance carries civil liability under 15 U.S. Code 1681n.

Attached are my supporting documents, including my initial dispute letter, my consumer report, and proof that Equifax and TransUnion do not report this account. I expect Experian to take immediate 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 2025-01-31 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Medical bills/debt added to collections by United Collections Bureau and XXXX XXXX XXXX XXXX 
UNITED Collections ( {$1100.00} ) opened in XX/XX/year>, XXXX Partners ( {$520.00} ) opened on XX/XX/XXXX. Wasn't even aware of these bills. 
Original creditor for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score decreased by XXXX points which is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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.
State: MD

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 explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX Account # XXXX Re : Cease and Desist Request To Whom It May Concern, I am writing to formally request that you cease and desist from any further communication or collection attempts regarding the alleged debt referenced in your records under my name. Please consider this letter as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), which requires that all further collection efforts be halted. 
Please be advised that I do not wish to receive any phone calls, letters, or other forms of communication from your office regarding this matter, as I am exercising my right to request that you stop contacting me about this alleged debt. 
If you are attempting to collect a debt, please provide me with the following information : 1. A copy of the original agreement or contract.

2. The name of the creditor to whom the debt is owed.

3. A complete accounting of the amount owed, including any interest or fees.

Please ensure that you honor this request and confirm in writing that all further communication will cease. Failure to comply with my request may result in further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Between XXXX and XX/XX/year>, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/year> I checked my credit report and it shows a late payment from XX/XX/year>, something I was never notified of. 
On XX/XX/year> and XX/XX/year> I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally Googled his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Collections / Derogatory marks were removed/ deleted from my credit report and reappeared to negatively impact credit score and report from EQUIFAX failed to investigate collections before placing them on my credit report causing the same collection to appear twice on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This is a complaint against Capital One regarding their deceptive practices related to their 360 " high yield interest '' savings accounts. The complaint alleges that Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. The complaint seeks redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had previously put a freeze on my credit monitoring with Experian. I am now trying to lift the freeze because I am trying to buy a house. However, I can not get the freeze lifted through their website. When I try to get to a live person for assistance, I either get put in an endless loop of difference recorded messages or the call gets dropped. I have also tried to establish a new membership. I have mailed the required information twice, but have not received a response. 

I have been working on this for several weeks, with out success. I'm sure this could be resolved quickly if they would either respnod to my letter for a new membership or I could get to a live person.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I didnt recognize this hard inquire in my credit report : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Type Individual XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX . Inquiry Type Individual

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 2025-01-31 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-01-31 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX reporting some utility bill from XXXX i never had XXXX service in last 5 years +

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resort Manager Open XX/XX/year> XXXX $ I have no knowledge of this company. I have never heard of this company before. They dont have anything with my signature on file. The name and address listed on the contract is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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.
State: FL

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 explanation
Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 

Here are the accounts Im disputing XXXX XXXX XXXX XXXX account number XXXX Bankruptcy File Number XXXX and XXXX XXXX  XXXX account number XXXX Capital XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ).

Exactly what steps you took to investigate my dispute.

Copies of any documents you used to verify the account.

2. If you cant properly verify this account, I want it deleted from my credit file.

Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

Sincerely XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I froze my credit with Experian about 1 year ago. They gave me a PIN and told me I could call anytime to unfreeze my credit report without creating an account with them. I needed to unfreeze my credit to apply for a new credit card on XX/XX/XXXX, and when I tried to do it with their automated system, the PIN didn't work. I tried creating an account, but the request there returned an unspecified system error. I was able to reach a customer service agent after numerous attempts with their automated phone system, and they said I needed to try back in 48-72 hours and gave me a number that they assured me routes directly to a customer service agent. 

Instead, when I called back, I was back in the automated system. I've called numerous times every day from XX/XX/XXXX to XX/XX/XXXX and been stuck in loops in their automated phone system, unable to get support or speak to a person. I sent a form detailing the issue to their online intake system on XX/XX/XXXX, but have received no confirmation or update on the request. 

I'm completely paralyzed here and outraged at this company 's abusive and predatory practices. They misled me about the process for managing my credit report freeze, and have made it impossible to get support or access my credit to manage my financial needs. I never signed up for service with this company, and yet they're enabled to control my financial activities in this way. There's no way that I can withdraw my business with them since the entire financial system collaborates with them and empowers them to control individuals ' livelihoods. This company needs to be held accountable, prosecuted, and either forced into compliance or dismantled by federal regulators.

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 2025-01-31 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: RI

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
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I received a late payment notification on my credit score and that it went down 30 points for a late payment on my Target credit card. My account was already set up for automatic payment and is not late. The notice was sent on the same day as my account statement of XX/XX/year> in the amount of {$140.00}. {$140.00} is my account balance due on XX/XX/year>. I'm attaching my most recent statement to confirm my statements above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Please check the information the XXXX XXXX XXXX below in the attachment.

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