vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California Subject : Cease and Desist All Communications Regarding Account Number : XXXX Dear XXXX XXXX I am writing to formally request that Midland Credit Management ( MCM ), XXXX cease and desist all communications regarding the above-referenced account, as well as to stop reporting this debt to credit reporting agencies. This letter serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Cease and Desist Request Effective immediately, I demand that you stop all communication with me regarding this account, including but not limited to : phone calls, written correspondence, and reporting this debt to any credit reporting agencies Response to Debt Verification Request In response to my debt verification request dated XX/XX/XXXX, MCM provided a billing statement indicating XX/XX/XXXX as the last payment date Statute of Limitations According to Florida law, the statute of limitations for collecting consumer debts, including credit card debt, is 4 years. The timeline is as follows : Last Payment Date : XX/XX/XXXX Expiration of Statute of Limitations : XX/XX/XXXX Given that the statute of limitations has expired, you are legally barred from pursuing any collection actions against me regarding this debt. 

FCRA Violations By continuing to report this charged-off account to credit bureaus after the expiration of the statute of limitations, you are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 : This section prohibits the reporting of information that is known to be inaccurate. Reporting a debt that can not be legally enforced due to the statute of limitations is misleading and inaccurate.

Consequences of Non-Compliance If you continue to communicate with me regarding this debt or persist in reporting it to any credit agencies after receiving this notice, I will take legal action against you to the fullest extent of the law. This includes seeking damages for violations of the FDCPA and FCRA, which may encompass statutory damages, actual damages, and attorney fees. 
Response Requirement Please confirm in writing within 30 days of receiving this letter that you have ceased all communications regarding this account and that you have stopped reporting it to credit bureaus. 
Thank you for your immediate attention to this matter. I expect your compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) 15 U.S.C.1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am filing this complaint in response to CFPB Case # XXXX, in which the credit bureau stated : We contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. I strongly disagree with this conclusion. After receiving the results of your investigation, I contacted the creditor directly, and they could not confirm or support the current reporting on my credit file. This contradicts your findings and casts doubt on the validity of the verification process used. Recently, upon reviewing my credit report, I discovered erroneous late payments that should not be reporting at all. The following account ( s ) are in question : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These reported late payments are inaccurate, inconsistent, and violate several consumer protection laws. Under 15 U.S. Code 1681a and 1681a ( 1 ), credit reports must not include transactions or experiences that are unverified or inaccurately reported. Additionally, 15 U.S. Code 1666b outlines the consumers rights regarding billing and payment timingnone of which were followed here. Furthermore, I have not provided any consent for these transactions or for this erroneous information to appear on my credit file. I urge you to XXXX  XXXX XXXX XXXX ( formerly XXXX XXXX XXXXXXXX ), which highlights the legal obligation of credit bureaus to ensure information is not only verified, but accurate and fairly reported. Please see the attached Affidavit of Truth and update these accounts to paid as agreed, never late.

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 2025-05-03 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: LA

Complaint narrative:
On XX/XX/year>, I sent Experian my FTC report along with my license. I am a victim of identity theft and I did not authorize to opening of these accounts.

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 2025-05-03 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: LA

Complaint narrative:
On XX/XX/year>, I sent Experian my FTC report along with my license. I am a victim of identity theft and I did not authorize to opening of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made payment on the account, and the balance is still higher than what the initial loan was. They are reporting incorrect information. The account is a write off meaning they sold the vehicle and got a profit and didnt add it to my account. A write off is a tax obligation meaning they got the full amount back. I want this removed from my credit report. They are violating my rights XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Auto Loan Information on My Credit Report Dear XXXX, Transunion, XXXX  I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being 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 2025-05-03 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I logged in to the system to make my XX/XX/XXXX payment. 
There was a " trial '' plan on my account that I did not ask for, and the system did not allow me to apply my payment to XX/XX/XXXX, it forced me to apply it to my XXXX, XXXX payment, which was not yet due. I made the payment anyway. That situation also continued on XX/XX/XXXX, forcing it to be applied to XXXX, and on XX/XX/XXXX, forcing it to be applied to XXXX. I spoke to a representative with Lakeview in XXXX, explaining that it was my intention to make my XXXX and XXXX payment in XXXX, and I did not want the trial period. I did not sign anything and I did not agree to this. I was told that was acceptable. My account records with Lakeview reflect a payment on XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX for XX/XX/XXXX and then on XX/XX/XXXX again applied to XX/XX/XXXX, so they have duplicated application of XXXX payment due twice. This is causing my loan to show as more than 60 days past due and it is not. I am currently due for XXXX and XXXX. I can not get any good explanation for the " trial plan '', but my statement in XXXX doesn't even reflect my XX/XX/XXXX payment ( copy attached ). I am now no longer allowed to make online payments because of this error in the misapplied payment on XX/XX/XXXX, and I'd like to bring the payments current. On my statement, it also shows " loss mitigation agreed to '' and I didn't agree to anything. I was forced into making a payment in a manner I did not want to, without notification from the mortgage company.

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 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
On XX/XX/25 I emailed Gulf Coast Collection bureau outlining the recent multiple text messages I had received from them and sent screenshots of where I replied to them to stop. They did not stop. I also explained that I did NOT owe this hospital ( XXXX XXXX ) for the services that they had previously billed me for and they had refused to send me any itemized documentation of this debt and at one time had told me they didnt have record of me being there. I asked gulf coast collections to also provide this along with a signed contract that I allowed them to obtain my private health records. They replied to my email on XX/XX/25 simply with : Good Afternoon, We have received your email correspondence. Please confirm your date of birth so we may update the address on file and provide the account information. Best Regards, XXXX which is quite obviously ludicrous. I ignored this ridiculous request and took note of the communication AFTER I asked them to stop. On XX/XX/25 I received yet another bill of debt collection in the mail from Gulf Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing XXXX request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information XXXX obtain loans XXXX credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me XXXX block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am filing this complaint in response to CFPB Case # XXXX, in which the credit bureau XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. 

I strongly disagree with this conclusion. After receiving the results of your investigation, I contacted the creditor directly, and they could not confirm or support the current reporting on my credit file. This contradicts your findings and casts doubt on the validity of the verification process used. 

Recently, upon reviewing my credit report, I discovered erroneous late payments that should not be reporting at all. The following account ( XXXX ) are in question : XXXX XXXXXXXX * * * *, XXXX XXXX XXXX * * * *. 

These reported late payments are inaccurate, inconsistent, and violate several consumer protection laws. Under 15 U.S. Code 1681a and 1681a ( 1 ), credit reports must not include transactions or experiences that are unverified or inaccurately reported. Additionally, 15 U.S. Code 1666b outlines the consumers rights regarding billing and payment timingnone of which were followed here.

Furthermore, I have not provided any consent for these transactions or for this erroneous information to appear on my credit file. I urge you to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXXXXXX ), which highlights the legal obligation of credit bureaus to ensure information is not only verified, but accurate and fairly reported. 

Please see the attached Affidavit of XXXX and update these accounts to paid as agreed, never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and per FCRA 611 15 U.S.C. 1681 c-2 and FCRA 605B the creditor must permanently block and remove the said items from my credit report. XXXX account ending in XXXX and XXXX account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 identity theft and per FCRA 611 15 U.S.C. 1681 c-2 and FCRA 605B the creditor must permanently block and remove the said items from my credit report. XXXX account ending in XXXX and XXXX account 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 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I recently viewed my consumer reports and noticed several inaccuracies on my reports. INACCRATE PERSONAL INFORMATION : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES ; 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..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I recently viewed my consumer reports and noticed several inaccuracies on my reports. INACCRATE PERSONAL INFORMATION : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES ; 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..

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 2025-05-03 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: NC

Complaint narrative:
I received a copy of my credit report and find the following items on my Experian unfamiliar i have explained the discrepancies of the hard inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and two hard inquiries from XXXX XXXX XXXX. to my records the information thats being exposed on my credit profile is unrecognizable.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I'm a consumer affected by identity theft, you can verify my information with the info I have provided, remove these accounts from my file or the next step is 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 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax Credit Bureau Address City, State ZIP RE : Follow up Recently, I disputed inaccurate accounts reporting on my credit report that your bureau maintains.I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Per the FCRA you are required to provide this information within XXXX days or delete the negative items from my credit report

Company response to consumer: Closed with non-monetary relief