vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
Received several voicemails from Fairway capital. Called back in regards to bill. Never received anything in the mail or any correspondence. Requested a copy of invoice from medical provider. XXXX XXXX refused and threatened to put medical debt on my credit report. I called the company back and spoke to XXXX who states they will email me the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: UPGRADE, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate and remove inaccurate information being reported on my credit report. 
The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong in a credit report, so this information on my report isnt accurate. By IRS rules, any canceled debt or charge-off is classified as income. Reporting this debt is incorrect. 
15 USC 1681 s-2 15 USC 1681 s-2 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ).

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state. 

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies XXXX XXXX Equifax, and XXXX XXXX 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 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: HI

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 2025-04-24 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-24 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Failure to Properly Investigate Disputes Formal Demand for Deletion of Inaccurate Accounts To Whom It May Concern, This letter serves as formal notice of Experians failure to perform reasonable investigations into my prior credit disputes as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. You are in ongoing violation of federal law, and I am demanding immediate deletion of the following inaccurate or unverifiable accounts as a result of your noncompliance. 

Despite my documented disputes, Experian has responded with boilerplate verbiage and so-called verifications that lack any factual or documentary support, in direct conflict with your obligations under the FCRA. The mere parroting of data from the furnisher does not constitute a legitimate investigation. 

Furthermore, I am fully aware of the lawsuit and consent order issued by the Consumer Financial Protection Bureau ( CFPB ) against Experian for deceptive practices, failing to correct credit report inaccuracies, and refusing to comply with proper dispute procedures. These same patterns of misconduct are clearly continuing in your handling of my file. 

The following accounts are being disputed as inaccurate, unverifiable, and/or illegally re-aged and must be removed immediately : XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} I am requesting an immediate deletion of these tradelines due to : 1. Insufficient or non-existent investigation responses.

2. Inability to provide documentation proving the accounts are accurate and legally reported.

3. Violations of 15 U.S.C. 1681s-2 ( b ) and 1681i, requiring thorough reinvestigation.

4. Failure to comply with the CFPBs XXXX enforcement action regarding inadequate dispute resolution practices. 

Should Experian fail to respond with proper legal documentation for each disputed item within 30 days, I will file formal complaints with the CFPB, the FTC, and the Texas Attorney Generals Office, and I am prepared to retain counsel for legal remedies under FCRA 616 and 617, which allow for civil liability, actual damages, and punitive damages for willful noncompliance.

I expect your written response, including results of a real reinvestigation or removal of the accounts, within the legally mandated timeframe. 

Sincerely, XXXX 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 2025-04-24 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MA

Complaint narrative:
national credit adjusters {$750.00} I requested proof of the debt 3 times I called and they have not sent anything over its 3 times they say it will take 30 days and its been 90 days and still no proof of debt and is hurting my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Subject : Formal Complaint and Request to Cease Communication & Furnishing of Unauthorized Negative Information Dear Equifax Compliance Department, I am writing to formally file a complaint against Equifax Information Services LLC regarding unauthorized and invasive reporting of negative information on my consumer credit file, which constitutes a violation of my privacy rights under 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ). Additionally, I request that you immediately cease all communications with me under 15 U.S. Code 1692c ( c ).

Upon reviewing my Equifax credit report dated XX/XX/year>, I found multiple derogatory entries that I have not authorized for reporting, and for which I have not received due process or lawful disclosure : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Not more than XXXX payments past due Balance : {$1400.00} Delinquency noted without proper consent or verification XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX Status : Charged Off Balance : {$2300.00} Reported delinquencies spanning several months without any authorization to access or furnish such data XXXX XXXX XXXX XXXX ( Installment Loan ) XXXX XXXX Status : Charged Off Balance : {$840.00} Consistent delinquent reporting and charge-off status without appropriate consumer consent or notification These items have been reported without my direct authorization, and they infringe upon my rights to financial privacy. Under 15 U.S. Code 6801, financial institutions and affiliated entities are required to protect the confidentiality of consumers nonpublic personal information. Equifax 's failure to obtain my explicit permission before disseminating or continuing to furnish this information is a clear breach of this statute.

Further, under 15 U.S. Code 1692c ( c ), I hereby demand that Equifax and any affiliated third-party furnishers or collectors cease all forms of communication with me, whether by mail, phone, email, or any other method. I also demand that you immediately stop furnishing any negative, disputed, or unauthorized information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: WA

Complaint narrative:
b'I dispute the XXXX  debt Viking Client Services alleges I owe. On XXXX XXXX XXXX, I sent a debt-validation request by email/online and by certified mail XXXX XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX XXXX). Despite this, Viking called me on XXXX XXXX XXXXignoring my written do not call requestand falsely claimed they had already sent verification.\n\nAlleged FDCPA Violations\n\t\t15 U.S.C.  1692g: Failed to provide written validation within five days of first contact.\n\t\t15 U.S.C.  1692c(c): Ignored my written cease-communication request.\n\t\t15 U.S.C.  1692e: Made false or misleading representations about sending validation.\n\t\t15 U.S.C.  1692d: Engaged in harassing calls after notification to stop.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-24 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:
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 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 2025-04-24 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: GA

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 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 2025-04-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I forwarded a refunded escrow check from XXXX insurance in the amount of {$5700.00} to my mortgage company PHH Mortgage services. They instructed me to return the escrow check to the escrow department, but the check must be endorsed first with a note ( refund to escrow ) on the back of the check. I mailed the check XX/XX/year>. PHH Mortgage services received it XX/XX/year>. I communicated with PHH Mortage escrow department on XX/XX/year>. A representative said they receive the check and will take approximately XXXX business to refund to the escrow. I contacted them today and I was hanged up on deliberately about 5 times. I finally connected with a representative who informed me they mailed the check back to my address on XX/XX/XXXX, XXXXEvery time I make contact with this company the call gets transferred to out of country and an XXXX person who can not speak fluent XXXX assist with the issue. The bottom line is I never received any mail with the endorsed check inside. My mortgage loan number is XXXX

Company response to consumer: Closed with explanation