vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rest in, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Hard inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: KY

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX SSN : XXXX EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear Sir/Madam, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. 
After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following 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 I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report. 
Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately. 
I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. 
Sincerely, XXXX XXXXXXXX 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 2025-02-13 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 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: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I came across the CFPB Experian Lawsuit. 

My credit was negatively impacted, hurting my chances at credit after receiving a response to my previous dispute that the accounts disputed were ''verified ''. 

please furnish all proof from furnisher and not the consumer reporting agency or delete the accounts as required by law.

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 2025-02-13 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 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 168i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the necessary proof of investigation.

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 2025-02-13 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: KS

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate personal information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, Section 611 ). Upon reviewing my report, I noticed that multiple variations of my name are listed, which may lead to confusion or errors in my credit history. 
The only correct and legal name that should appear on my credit report is : Send copy passport Experian Trans Union

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank charged me a terminated promotional interest rate in XXXX XXXX ; however, there is no actual charge date associated with this interest. I made a full payment of the balance at the end of XXXX XXXX  yet the payment was not posted until XXXX XXXX XXXX This delay is unusual, as it suggests that the bank can arbitrarily post a payment date while failing to provide a clear charge date for the interest. 

I have written multiple letters to Comenity Bank explaining that : I made my payment on time, yet the posting was delayed.

The interest charge lacks a specific charge date.

I have requested that the interest charge be reversed due to these inconsistencies.

Despite my efforts, Comenity Bank has repeatedly denied my claim and refuses to remove the illegitimate interest charge. I believe this practice is unfair and deceptive, as consumers should not be charged interest without a corresponding charge date, especially when the promotional payment was made in a timely manner. 

I request the CFPB to investigate this matter and take appropriate action against Comenity Bank. Furthermore, I seek a resolution where Comenity Bank reverses the improper interest charge and ensures that future payments are posted in a timely and transparent manner. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
My personal and financial information was compromise without my authorization, the family education rights and privacy act FERP protects the confidentiality of student records, this Breach is clear violation of FERPE and your responsibility to safe guard my information, giving the severity of this Breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt within five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
My personal and financial information was compromise without my authorization, the family education rights and privacy act FERP protects the confidentiality of student records, this Breach is clear violation of FERPE and your responsibility to safe guard my information, giving the severity of this Breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt within five business days.

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 2025-02-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
My information has been exposed during a data information

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 2025-02-13 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: MS

Complaint narrative:
XXXXXXXX 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 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 XXXXXXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-13 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: MA

Complaint narrative:
The Experian report includes : - Inaccurate reporting of 30 and 60 days for 2 accounts - Inaccurate reporting of 30 days for 1 account - 2 closed charge-off accounts, requestng verification - 1 collection account The TransUnion reports includes : - Inaccurate reporting of 30 days late for 3 accounts - Inaccurate reporting of 30 days late for 1 account - 2 charge-off accounts ; 1 is PAID

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to get my online credit report from TransUnion. The message on the website says the following : We're unable to complete your request online. The TransUnion customer service refused and declined my request to give me an access to my online credit report. They also blocked me and dont allow me to submit online dispute. This is unacceptable service, discriminatory business practice and negative experience.

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