vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FMS Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an alleged debt for which I have received separate collection attempts from both FMS, INC and XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for two separate entities to pursue collection on the same alleged debt without a valid explanation or legal authority. Furthermore, I did not provide consent for my personal information to be shared, disclosed, or transferred between your companies, in violation of my rights under consumer privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The unauthorized sharing of my personal information constitutes a serious breach of privacy and legal compliance.

I demand immediate clarification and resolution of this matter. Specifically, I require a detailed and itemized validation of this alleged debt, including the name of the original creditor, the amount claimed, and proof that either FMS, INC or XXXX XXXX XXXX XXXX has the legal authority to collect this debt. Additionally, I require an explanation of how my personal information was obtained, whether it was shared or transferred between your companies, and proof of my explicit consent to such an exchange. Until this dispute is fully resolved, I demand that all collection activities cease immediately. 


I expect your immediate attention to this matter and a written response from both FMS, INC and XXXX XXXX XXXX XXXX within 30 days. Failure to respond or continued unlawful collection practices will result in immediate escalation to the fullest extent permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I am submitting the following statement regarding a recently added collections account on my credit report in the amount of {$4200.00}. 

I disputed this charge, deeming it both false and illegal, and requested proof of an executed contract that would obligate me to pay this amount. I firmly believe that the charge is unlawful, as it stems from an attempt by a landlord to inflate fees as a form of retaliation. Throughout my tenancy, I consistently paid on time, never defaulted, and fully met all fiduciary responsibilities. 

Within only a few days of my dispute, Experian sent correspondence indicating that the debt had been " verified. '' However, the provided documentation consisted solely of a copy of the lease agreement and photographs, which do not substantiate or validate this charge. The so-called " verification '' was not a legitimate investigation, but rather a mere file dump of the only relevant information availableinformation that does not obligate me to this charge. 

Given that no legitimate investigation was conducted and no changes were made to my credit report, I am requesting the immediate removal of these illegal charges.

Experian provided insufficient proof and labeled it " verified '' after less than 1 week. There was no investigation, any attempt to investigate the matter would uncover fraudulent reporting on the part of the reporting company. 

Due to the recent lawsuit filed by the CFPB against Experian, I am formally requesting a comprehensive and impartial review of the disputed entries on my credit report. 

The lawsuit raises important concerns about adherence to federal consumer protection laws and the accuracy of credit reporting procedures. 

As a consumer, I trust that Experian will honor its obligations under the Fair Credit Reporting Act by ensuring that all information reported is accurate, complete, and verifiable. Should the disputed information not be verified as correct following a fair investigation, I kindly request that it be promptly removed from my credit report. 

This request is made in good faith to ensure that my credit report accurately reflects truthful and reliable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
In accordance with the fair credit reporting XXXX  account # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnisha account without my written instructions.

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 2025-02-07 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

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 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am submitting this complaint against Nationstar Mortgage LLC XXXX Mr. Cooper for multiple violations of the Real Estate Settlement Procedures Act ( RESPA ), including illegal dual tracking, failure to properly respond to qualified written requests ( QWRs ), and improper application of fees. Additionally, Mr. Cooper has blatantly violated the automatic stay under U.S. Bankruptcy Law by proceeding with the foreclosure and sale of my home despite my bankruptcy filing. please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been trying to get this late off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes.

Equifaxs failure to properly address these disputes and correct the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, and Equifax has repeatedly failed to comply with its legal obligations. This appears to be a systemic issue affecting many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against Equifax, which resulted in a {$15.00} XXXX penalty for failing to properly investigate consumer disputes ( source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, XXXX XXXX XXXX ). 

This enforcement action further supports my claim that Equifax has not fulfilled its legal obligation to conduct a reasonable reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate and incomplete information and must be immediately and permanently removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove the late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments -XXXX XXXX XXXX XXXX  Remove the late payments -DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting. 
-DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting.

-DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I was told by Experian that the information was incorrect but they wasnt going to correct the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This bank allowed a fraudster to open a checking account in my name without providing any identify verification. Everything was done online and because they have a policy that the account will only stay opened if it is funded within 30 days, they received {$1.00} so they did not close the account despite not getting identity information. When I went to the XXXX location, I worked with XXXX XXXX who called the fraud department and even though I have made XXXX other phone calls and had an investigation into this account, no fraud case had been opened. The account was locked and online banking was locked but no fraud case. I had to take off work to deal with this, run around collecting all of my identity documents and drive an hour there and an hour back because of this negligence.

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 2025-02-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal 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, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-07 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-07 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. After reviewing my credit report, I found discrepancies and errors that require immediate correction. Different bureaus are reporting different information, and I request a proper investigation to remove inaccurate or unverifiable items.

According to FCRA 611 ( 15 U.S.C 1681i ), you are required to conduct a reasonable investigation within 30 days. Please investigate and remove the following negative items from my credit report : Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documents to validate my claim. If any of these items can not be verified, I request their immediate deletion as required by law. Additionally, I request a fresh, updated copy of my credit report once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your response within the legally mandated timeframe. 

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