vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I am writing in response to your claim that your company is a licensed debt collection agency in the state of Massachusetts. After reviewing the official Massachusetts Division of Banks ' list of licensed debt collectors as of XX/XX/year>, I was unable to find " FST Financial Resources '' listed as a registered entity.

Under Massachusetts General Laws Chapter 93, Section 24A, debt collection agencies operating within the state are required to be licensed by the Massachusetts Division of Banks. Your failure to appear on the official registry suggests that you are conducting debt collection activities without proper authorization, in direct violation of state law. 

Furthermore, under Massachusetts General Laws Chapter 93A and 940 CMR 7.00, unlicensed collection activity constitutes an unfair and deceptive trade practice, exposing your company to legal and financial penalties. Additionally, any reporting of this alleged debt to credit reporting agencies while operating without proper licensing may also constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), subjecting your company to statutory damages, punitive damages, and attorneys fees.

Given this information, I demand the immediate removal of the derogatory mark placed on my credit report, as your company lacks the legal authority to collect or report this debt. 

I have included the Divion of Banks verifierd debt collectors ( in which FST FINANCIAL RESOURCES doesn't make the list ) It has also come to my attention that the response references FFR ( First Financial Resources ) from the XXXX  which is not listed anywhere on my credit report. My dispute is strictly regarding FST Financial Resources, the entity that has reported a derogatory entry on my XXXX credit report.I have identified that FFR ( First Financial Resources ) and FST Financial Resources are entirely separate entities. 
Specifically : FFR ( First Financial Resources ) operates as a contingency-based collection agency.

FST Financial Resources, on the other hand, appears to function as a consulting firm for CPAs, with separate operations and likely a distinct ownership structure.

Given this material distinction, I request that the response provided by [ Debt Collector ] be corrected to accurately reflect FST Financial Resources as the entity in question. Any reference to FFR ( First Financial Resources ) is irrelevant to my dispute and should not be considered a valid response.

As previously stated, I maintain that FST Financial Resources has improperly reported an alleged debt on my credit report in violation of federal and state consumer protection laws. I expect a response that directly addresses this matter in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the No Surprises Act, and applicable Massachusetts regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Collection on Consumer Report To Whom It May Concern, I am writing to formally file a complaint regarding a collection account that was placed on my consumer report without providing me the opportunity to dispute it beforehand. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

The collection in question involves an amount of {$360.00}, which I have repeatedly stated does not belong to me. I maintain an outstanding payment history and would never have allowed an account to fall into collections. Upon investigation, I believe this account may be linked to a family member, but I need additional time to confirm this and address the matter appropriately.

When I contacted the collection agency, they informed me that if I were to file a fraud claim, the collection would remain on my report until the matter was resolved. Alternatively, if I paid the account, I would lose the ability to file a fraud claim because the balance would then be cleared. This policy is unjust and places an undue burden on consumers like myself, who are victims of potential identity theft or misrepresentation. 

By placing this collection account on my consumer report without proper notification or an opportunity to dispute it, the collection agency has caused unwarranted harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the following : Immediate removal of the disputed collection account from my consumer report.

A thorough investigation into the practices of the collection agency to determine if they are compliant with consumer protection laws.

Clear guidance on how to proceed in situations where an account is falsely attributed to a consumer. 

This situation has caused significant stress and has adversely affected my ability to maintain a positive credit profile. I trust that the CFPB will take swift action to address this violation and hold the responsible parties accountable. 

Thank you for your attention to this matter. Please feel free to contact me at Sincerely, XXXX XXXX XXXX XXXX Ga XXXX I have not been given a chance to dispute the account according to 12 CRF 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. According to 12 CRF1006.31 ( c ) ( 4 ) ( 1 ) This collection agency is violating my consumer rights by using false and misleading. Misrepresentation and deceptive means.

This collection agency has no Authority to furnish any accounts to a consumer reporting agency without providing me any disclosures acquired any and all, and by law and they are in clear violation of 12 CRF 1006.34 ( d ) and 15 USE 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Employers : 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 2025-02-26 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries XXXX XX/XX/XXXX Collections Accounts XXXXXXXX XXXX XX/XX/XXXX Data breach happened, per 15USC 1681c2 please block and delete this item within XXXX business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts and 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 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 explanation
Consumer complaint received 2025-02-26 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C.

5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Loan Start Date : XX/XX/XXXX Loan Term : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncident Date : XX/XX/XXXX Police Report Number : XXXX Impound Lot : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sale Date in Impound : XX/XX/XXXX Issue Summary I financed a XXXX XXXX XXXX through Capital One Auto Finance on XX/XX/XXXX, under a XXXX loan term. On XX/XX/XXXX, my vehicle was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by law enforcement. The police impounded the vehicle, and I immediately provided all supporting documents to Capital Ones XXXX XXXX Department, including : Police report ( Incident # XXXX ) Pictures of the burned vehicle Insurance records Official impound documents from XXXX XXXX XXXX Capital One then sent a representative to XXXX XXXX XXXX to retrieve the vehicle and assess whether it could be sold for parts or auctioned. They ultimately decided the car was too damaged to sell but never officially processed it as a total loss. 

On XX/XX/XXXX, my vehicle was sold from the impound lot without my knowledge, yet Capital One never informed me of this sale and continues to hold me financially responsible. 

XXXX XXXX XXXX XXXX I have made multiple calls to Capital One attempting to resolve this issue, but I have been repeatedly dismissed. 
On [ last call date ] at XXXX AM, I spoke with Agent ID : XXXX, who informed me that Agent ID : XXXX would no longer speak to me regarding my total loss claim, despite my case being documented multiple times. 
Capital One had full knowledge that my vehicle was XXXX XXXX XXXX XXXX  from impound on XX/XX/XXXX, yet they failed to take proper action on my account. 
I have provided all supporting documentation, yet Capital One has failed to acknowledge the total loss and continues to demand payment. 
Requested XXXX I am requesting that Capital One : Acknowledge that my vehicle was a total loss and stop holding me financially responsible. 
Provide a clear explanation as to why they failed to process my total loss claim despite having all required documentation. 
Confirm details of the impound sale and remove any outstanding balance on my loan. 
Investigate and address the mishandling of my case by their Total Loss Department and customer service representatives. 
I have attached all supporting documents, including : Police report ( Incident # XXXX ) Pictures of the burned vehicle Insurance records Impound records from XXXX XXXX XXXX Call logs with Capital One agents Proof of vehicle sale on XX/XX/XXXX I request a formal response and immediate resolution regarding Capital Ones failure to process my total loss claim and their continued financial demands despite the vehicle being XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax and Experian are both still reporting a collections account with a balance of {$2100.00} by XXXX XXXX XXXX XXXX. This account was paid and has a XXXX XXXX balance, I even verified with XXXX XXXX that the account does not have a balance and that a request to have it deleted was made, however only XXXX has done so. Equifax and Experian refuse to delete it and are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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 2025-02-26 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: LA

Complaint narrative:
Experian 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, 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 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 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 explanation
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2025-02-26 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: TN

Complaint narrative:
I submitted a dispute certified letter to Trans Union XXXX XX/XX/XXXX. I received a receipt that was received XX/XX/XXXX. I have not heard from Trans Union over 30 days now.

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 2025-02-26 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: NC

Complaint narrative:
I was notified that my credit profile was part of the SSN leak and Equifax data breach. Due to this data breach, I have attached a document with all the accounts that need to be removed immediately as it has a negative impact on my credit profile.

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