vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: National Credit Adjusters, LLC
State: ID

Complaint narrative:
Around XXXX and XX/XX/year>, I informed XXXX XXXX that I did not recognize a debt they listed on my report. The company they listed was NCA for an amount slightly over {$900.00}. Through XXXX XXXX, I asked NCA to validate the debt. I asked them to send to my email address that I provided a copy of the debt contract with my signature on it. I asked if there was an insurance claim found on the supposed debt. I also asked for a detailed payment history on the account. NCA did not send this information to my email as I requested. XXXX XXXX said the debt had been validated through XXXX XXXX " clearance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-09 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: MD

Complaint narrative:
Summary : Experian has failed to properly investigate disputed inaccuracies on my credit report, including a Chapter XXXX bankruptcy entry ( Case # XXXX, filed XX/XX/year> ). Despite failing to verify the bankruptcy during the initial dispute investigation, Experian opened a new dispute instead of removing the unverifiable information, as required by the Fair Credit Reporting Act ( FCRA ). Their actions align with the CFPBs recent lawsuit against Experian for sham investigations. 

Details of the Violations : Failure to Verify Information Within the Mandated Timeframe ( 611 ( a ) ( 1 ) ) Experian initially failed to verify the bankruptcy entry during the 30-day investigation period, as required by the FCRA. Instead of removing the unverifiable information, Experian reopened a new dispute, which does not reset their obligation to verify or remove the information from my credit report.

Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) Experian relied on third-party vendors, such as XXXX, to verify public records, including the bankruptcy. The U.S. Bankruptcy XXXX ( XXXX, MD ) has confirmed that it does not provide information to credit bureaus. This demonstrates Experians failure to conduct a proper investigation. 
Failure to Remove Unverifiable Information ( 611 ( a ) ( 5 ) ( A ) ) The FCRA mandates that if a disputed item can not be verified, it must be removed from the credit report. Experian has not met this obligation and continues to report the bankruptcy despite its inability to provide verification.

Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) By reopening the dispute without addressing the original failure to verify, Experian continues to report inaccurate and unverifiable information, violating their obligation to ensure accuracy.

Systemic Issue Aligns with CFPB Allegations Experians actions align with the CFPBs recent lawsuit alleging that Experian engages in " sham investigations. '' This systemic failure is evidenced by their inability to verify the disputed bankruptcy and the subsequent reopening of a new dispute without correcting the issue.

Harm Caused : Credit Damage : The unresolved and unverifiable bankruptcy has significantly lowered my credit score.

Financial Harm : I have been denied credit opportunities and
financial benefits due to Experians negligence.

Emotional Distress : Experians inadequate dispute handling and repeated failures have caused undue stress and frustration.

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 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I used Lexington Law credit repair amd didnt get results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear XXXX XXXX, This letter is to formally file a complaint against XXXX, Experian, and XXXX, the major credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts.

Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and XXXX on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA.

Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted.

Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX ACCOUNT NUMBER XXXX AND XXXX. XXXX XXXX ACCOUNT NUMBER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Do not know who this company is and this debt that they are saying is owed to them. This information is not valid and requested a validation of debt and any written documentation that shows a contract between me ( consumer ) and company where my signature is on it that specifically is with this company in accordance to Law 15usc1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX & XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-09 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equixfax & XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXXXXXX XXXX signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-09 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: PA

Complaint narrative:
EQUIFAX CREDIT BUREAU IS REPORTING NEGATIVE INFORMATION ON MY REPOR. 

XXXX XXXX XXXX XXXX XXXX AMOUNT : {$2600.00} DATE : XX/XX/year> ACCOUNT # XXXX. 

ALSO, EQUIFAX REFUSAL TO REMOVE A " FRAUD ALERT STATEMENT OFF OF MY REPORT ''. I ASKED THEM MULTIPLE TIMES TO REMOVE THE FRAUD ALERT AFTER SUBMITTING DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Request for Removal of Collection Accounts I am writing to formally request the removal of a collection account listed on my credit report. I believe that this collection is either inaccurate, unverifiable, or may otherwise be in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. 

Grounds for Request : 1. Verification of Debt : Under the FDCPA [ 15 U.S.C. 1692g ], I have the right to request verification of the debt. I am requesting proof that this account is valid, including a detailed breakdown of the debt amount, original creditor information, and any records of the accounts transfer to your agency. If you can not provide such verification, the debt must be removed from my credit report. 
2. Inaccuracy or Incomplete Reporting : According to the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies and data furnishers have a duty to report only complete and accurate information. If this account is inaccurate or contains errors ( such as incorrect balance, payment status, or date of delinquency ), I request that it be corrected or removed. 
3. Obsolete Information : Under the FCRA [ 15 U.S.C. 1681c ], collection accounts are only permitted to appear on credit reports for a limited period of seven years from the date of delinquency. If this account is past the allowable reporting period, I request its removal immediately. 

Please consider this letter as my formal request for investigation and correction under the FCRA. I expect the results of your investigation, along with an updated credit report, within 30 days. If you are unable to validate this account, I request that you remove this collection from my credit file and confirm the removal in writing. 

Thank you for your prompt attention to this matter. Please feel free to reach me via the contact information provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-09 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: TX

Complaint narrative:
Reported incorrect addresses names and inquiries and haven't been fixed on trans union, 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