vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
XX/XX/year>2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
All three accounts has failed to comply to my request to send all relevant documents and proof of debt.. The companies are XXXX XX/XX/XXXX : act. XXXX, BULLCITY XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. 
This is all the information they me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against Midland Credit Management ( MCM ) for Illegal Re-Aging of Medical Debt and Violation of CFPB Medical Debt Reporting Rules Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Midland Credit Management ( MCM ) regarding their improper handling and reporting of a medical debt on my credit report. This debt, which is currently reflected on my XXXX credit report, violates federal regulations and has caused significant harm to my creditworthiness. 

Issue 1 : Illegal Re-Aging of Debt The medical debt in question originates from XXXX. However, MCM has inaccurately and illegally re-aged this debt, reporting it as of XX/XX/XXXX. Re-aging a debt to make it appear more recent than it actually is constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and is a deceptive practice. This misrepresentation has unfairly impacted my credit score and my ability to secure credit.

Issue 2 : Inclusion of Medical Debt on Credit Report Furthermore, this debt is medical in nature. As outlined in the CFPBs Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ), finalized on XX/XX/XXXX, medical debt should not be included on credit reports. Despite this clear regulation, MCM has failed to remove this debt from my credit report, disregarding the CFPBs rules and causing undue harm to my financial standing.

Attempts to Resolve the Issue I attempted to dispute this inaccurate reporting through the XXXX XXXX app, but MCM has refused to correct or remove the debt from my credit report. Their failure to address this issue has left me with no recourse but to escalate this matter to your agency for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PR

Complaint narrative:
I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for these accounts to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately. 

Requested Actions Immediate blocking and removal of the following unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of the removal of the unauthorized information. 

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.

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 2025-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Debt is due to automobile insurance fraud, medical malpractice fraud, applied debt to covered/insured policies ( medical and auto ), malicious intent to stop automatic bill pay, ... etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer. I will be taking LEGAL ACTION as Trransunion has violated several of my consumer rights.

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 2025-02-18 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: NY

Complaint narrative:
I am filing a complain against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Withdraw money from XXXX in the amount of {$3000.00} on XX/XX/year>. Electronic payment made to my state employee credit union account, to make payments on my current credit cards an additional payments and loans on my account. 3 days later none of my credit cards were paid and my account was in non-sufficient funds. Confused my question where did this money go and was told that a few payments were made through electronic debit card instantly and ACH payments are process at later times.

Unaware of this information all of my credit cards showed late payment fees and closures. And also my state employee credit union account is on the verge of closure in XXXX. 

There has been multiple glitches in the banking system and which I had 2 bank accounts closed ( XXXX XXXX and State employee credit Union ) and multiple credit card account closures within a 6-month period.

This is a serious issue and is very concerning and I would like an investigation to be open for I feel that this is fraud waste and abuse and needs to be looked into.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if rom my credit report FCRA.

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 2025-02-18 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX XXXX XXXX XX/XX/year> ID NUMBER XXXX [ XXXX XXXX XXXX XXXX ] Re : Formal Dispute of Inaccurate Information FCRA Section 1681o Dear [ Credit Bureau/Creditor Name ], I am writing to formally dispute inaccurate or incomplete information reported on my credit file, as outlined in Section 1681o of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence in the reporting of credit information.

Upon reviewing my credit report, I have identified the following discrepancies that I believe have been reported due to negligence or oversight : 1. [ List the inaccurate account ( s ) or information with account numbers, reporting dates, and any other relevant details ] 2. [ Provide a brief explanation of why the information is incorrect, or any supporting evidence you may have ] 3. [ Optional : If applicable, state that the item is outdated, inaccurate, or misreported ] As required under Section 1681i of the FCRA, I request that you promptly investigate these items and correct or remove any inaccurate information. The law mandates that consumer reporting agencies and furnishers of information take reasonable steps to ensure the accuracy and completeness of the data they report. In this case, the errors in my report indicate a failure to fulfill this duty, and I am requesting that these inaccuracies be addressed.

I would appreciate your prompt attention to this matter. If the disputed information can not be verified as accurate, I request that it be removed from my credit file immediately, in compliance with the provisions of the FCRA.

Furthermore, I would like to remind you that under Section 1681o of the FCRA, you may be subject to civil liability for damages caused by negligent violations of the Act, including the failure to maintain accurate and complete records.

Please provide me with a written confirmation once the necessary corrections have been made or if additional information is needed from me to assist in the investigation. I look forward to your timely response in accordance with the FCRAs 30-day investigation timeline.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
XXXX XXXX XXXX  is a closed account listed on my credit report twice with the same account number XXXX. This account is closed and showing potentially negative KohlsXXXX This account is closed and showing potentially negative XXXX XXXXXXXX This account is closed and showing potentially negative XXXX XXXXXXXX This account is closed and showing potentially negative XXXX XXXX XXXX XXXX This account is closed and paid/closed/ never late but on a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX  is a closed account listed on my credit report twice with the same account number XXXX. This account is closed and showing potentially negative XXXX This account is closed and showing potentially negative XXXX XXXX This account is closed and showing potentially negative XXXX XXXX  This account is closed and showing potentially negative XXXX XXXX XXXX XXXX This account is closed and paid/closed/ never late but on a credit 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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exists I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account

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 2025-02-18 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A check was mailed to me as a refund for my deposit from the XXXX XXXX XXXX XXXX under their asset portfolio labeled as XXXX XXXX XXXX XXXX and was deposited to my bank account. The check was cleared and funds deposited. A few days later my bank account was closed by chase for a reasoning not provided ( even when asked ) and the funds were held to be verified. Chase bank notified me that they had to reach out to the company who issued the check to verify the funds that were sent out to me were actually intended for me but the company has no verified phone number. Ive provided several numbers and made several phone calls to chase on numerous occasions but it was to no avail because each number is not coming up in their system as a verified number even though the number was provided directly from the company XXXX XXXX XXXX XXXX. I even went into the branch to provide a receipt of the check that was given along with a copy of the check. That was also to no avail. Chase has held my funds for 4 months ( $ XXXX ) and counting now providing a significant amount of emotional distress and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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