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: 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:
Equifax on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report 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. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.

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: TN

Complaint narrative:
On the experian website is has published three different credit reports from XXXX  XXXX one says the account is closed and is pay off debt the other says it the account is open another on says the account is close they have reports it on my credit in error XXXX XXXX has failed to show signed agreement contract of acknowledgement of debt or agreement of ownership of debt and I have disputed it multiple times and they refused to remove it across all XXXX bureau and revised my score from past disputes they have all had failed in the investigation of reporting credit from XXXX parties collections on all three bureaus please see uploaded documents and also the my information is published publicly on their website without my permission which leaves me at risk for fraudulent claims by 3rd parties collections and creditors which in past dispute I have asked for removal and they refused or denied the request which has had a great impact on my credit score

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On the experian website is has published three different credit reports from XXXX  XXXX one says the account is closed and is pay off debt the other says it the account is open another on says the account is close they have reports it on my credit in error XXXX XXXX has failed to show signed agreement contract of acknowledgement of debt or agreement of ownership of debt and I have disputed it multiple times and they refused to remove it across all XXXX bureau and revised my score from past disputes they have all had failed in the investigation of reporting credit from XXXX parties collections on all three bureaus please see uploaded documents and also the my information is published publicly on their website without my permission which leaves me at risk for fraudulent claims by 3rd parties collections and creditors which in past dispute I have asked for removal and they refused or denied the request which has had a great impact on my credit score

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a letter via certified mail to Midland Credit Management requesting validation of an alleged debt in the amount of {$XXXX}. Attached to the letter was a return receipt. On XX/XX/year>, I was notified, via USPSs tracking system, that the letter was successfully delivered. On XX/XX/year>, I received an email from XXXX, a completely different collection agency, stating that Midland Credit Management outsourced my debt to them. 

Midland Credit Management completely ignored the letter I mailed to them and, instead, transferred my debt to a different company. I was never provided any information that I requested in the letter sent to the original collection agency.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
there are some inquiries that I do not recognize. I do not have a chase account or a chase credit card It says XX/XX/year> with a balance of {$XXXX}.

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: NY

Complaint narrative:
I am writing to dispute the accuracy of the reporting on the above-referenced account, appearing on my credit report. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. Additionally, I am referencing a XXXX XXXX of XXXX form issued after the initial investigation of this account, which indicates that this debt has been canceled and is no longer valid for collection or reporting. 
Disputed Items and Concerns Charge-Off and Balance Reporting : Your records reflect that the account was charged off with a balance of {$XXXX}. However, the issuance of the XXXX form confirms that the debt was forgiven or canceled, which should nullify any continued balance reporting or collection activity. Reporting the debt as " charged off '' after a XXXX is issued conflicts with IRS guidelines and the FCRA 's accuracy requirements. 
Inconsistent Payment History : The payment history includes a sequence of missed payments and delinquency status for several months in XXXX and XXXX. These entries contradict the cancellation of the debt and need to be corrected to accurately reflect the status of the account after the issuance of the XXXX. 
XXXX XXXX : The account is listed as remaining on the record until XX/XX/XXXX, even though the issuance of the XXXX should lead to an update or removal of the derogatory marks, as the debt is no longer valid or collectible. 
Requested Actions Pursuant to the FCRA and the protections it affords me as a consumer, I am requesting the following : Validation of Debt and Reporting : Provide all supporting documentation, including the original agreement, proof of ownership, chain of assignment, and evidence of the current validity of the debt. 
Amendment of Credit Reporting : Remove all derogatory remarks and update the account status to reflect the issuance of the XXXX, ensuring compliance with both FCRA requirements and IRS guidelines XXXX 
Confirmation of Compliance : Provide a written response confirming that the inaccuracies have been corrected or that the account has been removed from my credit file. 
XXXX XXXX As a data furnisher, XXXX is XXXX under the FCRA to ensure the accuracy and integrity of all reported information. Additionally, under IRS rules, the issuance of a XXXX form legally indicates that the creditor has canceled or XXXX the debt, barring further reporting as collectible. Continued inaccurate reporting may constitute willful non-compliance with federal 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, This letter formally disputes the accuracy of certain information appearing on my credit report, a copy of which is attached for your reference. I request that you conduct a full reinvestigation under the provisions of 15 U.S. Code 1681i. 
Specifically, I assert that the following items under Experian are inaccurate or unverifiable : XXXXXXXX XXXX XXXXXXXX Account Info : Account Number : XXXX Balance : {$51000.00} Open/closed : Open Date opened : XX/XX/XXXX _______________________________ XXXX XXXX  XXXX Account XXXX : Account Number : XXXX Balance : {$1200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXXXXXX XXXX Account Info : Account Number : XXXX Balance : {$8200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX  Account Info : Account Number : XXXX Balance : {$5600.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$410.00} Open/closed : Closed Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$850.00} Open/closed : Closed Date XXXX : XX/XX/XXXX 2020

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, This letter formally disputes the accuracy of certain information appearing on my credit report, a copy of which is attached for your reference. I request that you conduct a full reinvestigation under the provisions of 15 U.S. Code 1681i. 
Specifically, I assert that the following items under Experian are inaccurate or unverifiable : XXXXXXXX XXXX XXXXXXXX Account Info : Account Number : XXXX Balance : {$51000.00} Open/closed : Open Date opened : XX/XX/XXXX _______________________________ XXXX XXXX  XXXX Account XXXX : Account Number : XXXX Balance : {$1200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXXXXXX XXXX Account Info : Account Number : XXXX Balance : {$8200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX  Account Info : Account Number : XXXX Balance : {$5600.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$410.00} Open/closed : Closed Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$850.00} Open/closed : Closed Date XXXX : XX/XX/XXXX 2020

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject :

Dispute of Inaccurate Personal Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information that appears on my credit report. As a consumer, I have the right to ensure that my credit file contains only correct and verifiable information under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. To clarify, my correct and accurate personal information is as follows and The Attached Document. I only have 1 name 1 address 1 phone number.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX XXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by Experian. Despite my previous disputes, these errors remain unresolved, in violation of the Fair Credit Reporting Act ( FCRA ). I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to correct inaccurate information and mishandling consumer disputes, and I am experiencing the same issues. 

The following information on my credit report is incorrect : 1. XXXX XX/XX/XXXX {$70.00} I have attached supporting documentation, a screenshot of the account still on my report, even after all the disputes with no explanation or proof of the account being investigated and staying on my report, to verify the inaccuracies in my report. Under the FCRA, Experian is required to conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Additionally, I request that you provide me with : The method of verification used to investigate my previous disputes. 
A corrected copy of my credit report once these errors are resolved. 
Notification of any entity that has received my incorrect credit report in the past six months ( or two years for employment-related reports ). 

If these errors are not corrected promptly, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and consider legal action. I trust that Experian will comply with federal law and rectify these inaccuracies without further delay. 

Please confirm receipt of this dispute and provide me with a written response. I look forward to your prompt resolution of 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I noticed a collection account from XXXXXXXX XXXX XXXX XXXX XXXX  on my credit report, but I have no knowledge of this debt and do not recognize it as mine. I was never notified about this debt and did not receive any prior communication before it appeared on my credit report. 

On XX/XX/year>, I disputed this account with XXXX and requested verification. However, the agency failed to provide proof of debt ownership, original account details, or a signed agreement linking me to the debt, as required under 15 U.S. Code 1692g ( FDCPA ).

Without proper validation, this debt should not be reported under my name. I request a full investigation and removal of this account from my credit reports. The collection agency has not provided any proof that I owe this debt, and continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I ask for immediate deletion of this collection account and confirmation of its removal.

Company public response: Company believes it acted appropriately as authorized by contract or 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed accounts on my credit report and Trans Union, XXXX, and Experian refuse to do thorough investigations. These accounts pop up with new dates and I have not signed any documents or have received any validation of debt and yet it still stays on my reports.

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: PA

Complaint narrative:
I have disputed accounts on my credit report and Trans Union, XXXX, and Experian refuse to do thorough investigations. These accounts pop up with new dates and I have not signed any documents or have received any validation of debt and yet it still stays on my reports.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
My credit report has XXXX XXXX XXXX account showing and I believe at the time going into the hospital I had insurance through my job. Each time I try to dispute it comes as accurate. Its says the account wont remove off my credit until possibly XXXX. I need help figuring out how I can get these amounts removed as soon as possible. Lockhart Morris and Montgomery I have XXXX accounts open for the amount of XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I never went under a contract with this company and they don't have a record or any type of contract saying that I did and under the law they have to present paperwork which they have not

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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