vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
previously disputed a debt that was inaccurately reported on my credit file. The original collection account, related to an XXXX XXXX XXXX XXXX, contained incorrect information, including the dates, amount owed, and other account details. After my dispute, the account was removed from my credit report because it was deemed inaccurate. 
However, a few months later, the same debt reappeared, but this time under a different collection agency ( Credence Resource Management ), with modified details that were never part of the original account. The new account has different reporting dates and slightly altered information, but it is still the same disputed debt. 
I disputed it again with the credit bureaus, but this time, they claimed it was verified and refused to remove it, even though the details had been changed and were never properly validated with the original creditor XXXX XXXX XXXX XXXX  ). I also noticed that the new collection agency updated details based on my previous dispute, rather than providing actual verification from XXXX XXXX XXXX 
This appears to be a ca ' debt re-aging or improper debt transfer. which is illedal underthe Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this issue and require the credit bureaus to either provide actual documentation verifying the debt from XXXXXXXX XXXX XXXX  or permanently remove it from my credit report. 

Additionally, I am requesting an investigation into how and why the credit bureaus allowed this previously removed debt to reappear with altered details under a different agency. This practice is deceptive, unfair, and damaging to my credit. 

I appreciate your time in reviewing this matter and look forward to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: SC

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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the FRCA, 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the CFPA, 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers 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 2025-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
XXXX XXXX has attempted to collect a debt that we have been working with our lender to correct. I have written countless amounts of emails. Made countless amounts of calls to Planet home lending about being put out on the street. XXXX XXXX and its affiliates have not communicated anything to me or my husband but we were just served with an eviction. XXXX XXXX says XXXX thing then Planet Home Lending representatives say another thing. I just do not understand that I offered to pay them my entire tax refund to get back on track with my mortgage and they stated that it was nothing they can do. I need to reach out to Planet Home Lending to reinstate my loan. When I call Planet Home Lending they tell me to reach out to the foreclosure attorney. Its confusing. I have had to up my XXXX XXXX because I am under so much stress. My husband and I dont sleep because we are too worried that someone is coming to kick us, our XXXX daughters, and my mentally unstable mother out at any time. My mother was home when the sheriff came today to let us know we have less than XXXX weeks to find somewhere to live. Now I have to find a home at the end of a school year. XXXX XXXX is going on right now and I fight tears everyday to tell my kids everything is okay. Just to make sure they dont go to school worried. I dont know what else to do. Ive been lied to over and over by big corporations only to find out that I still have to pack up my babies and move. Like is this company this heartless and eager to evict families that they just put people out that have called them numerous times to work out arrangements to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Debt Validation and Cease and Desist Pursuant to 15 U.S.C. 1692g and 1692c ( c ) Dear Midland Credit Management, I am writing in response to your recent communication regarding an alleged debt that you claim I owe, referenced as : Original Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$900.00} I am formally requesting that you provide full validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Request for Debt Validation To properly assess the validity of this debt and your authority to collect it, please provide the following : XXXX. A detailed payment history showing all transactions, including the original amount, any fees, interest, or other charges applied, and any payments made on the account. 
XXXX. A copy of the original contract or agreement with my signature, demonstrating that I agreed to the terms of this debt. 
XXXX. Proof of any insurance claim filed on this debt, including details of any payments made by an insurer that may have satisfied part or all of this obligation. 
XXXX. A complete chain of title, showing the transfer and assignment of this debt from XXXX XXXX XXXX to your agency, verifying that you have the legal authority to collect. 

As per 15 U.S.C. 1692g ( b ), all collection efforts must cease until this debt is properly validated. If you are unable to provide the requested documentation, I request that you immediately cease collection efforts and remove this account from my credit report with all applicable credit reporting agencies. 



Cease and Desist Request Pursuant to 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and electronic communication. 

If you believe that continued contact is necessary under the law, I request that you provide documentation to justify such contact. 



Please provide the requested documentation and verification within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
a few wks back I had called Synchrony bank to inquire about balance on acct-informed me {$500.00}. I had concern as my JC Pennys did not have such a high balance- acct had previously been fraudulently used-had to close and call JC Pennys -notify credit reporting agencies and credit union-JC Pennys closed-issued fraud alert on acct/cancelled card and reissued new card. XXXXfrom Synchrony Bank stated so you want that account closed and I said yes dreading the call once again to JC Pennys. However, the next day I had called back and was a little confused as I did have a {$500.00} XXXX believe balance on Care Credit card-what happened is he closed the wrong account-I wanted JC Pennys closed as I had thought more fraudulent activity NOT Care Credit card-said nothing he could do-I asked for supervisor-the gal I spoke with was so rude and nasty-informed me nothing she could do-CLOSED PERIOD. I tried to explain what had happened with closing the wrong account and she stated for care credit to be reopened I would of had to call back within XXXX hrs?? -I take care of my mother who is XXXX and work full time-this is so frustrating-I have been given numerous XXXX XXXX to call XXXX -- XXXX -- XXXX recvd letter from Synchrony Bank ( no date XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX stating XXXX inquiry from XXXX XXXX someone XXXX XXXXXXXX XXXX  from Synchrony Bank dated XXXX from XXXX XXXX XXXX XXXX, PA XXXX needing addtl information to verify my identity-called XXXX spoke XXXX XXXX XXXXXXXX she stated will send me link via email to take snapshot of myself & Drivers license-for verification -- said must be done in XXXX hrs??? tried to explain I have flip top phone ( NOT everyone has XXXX XXXX  ) Said have your friends help you out??? I asked if she could send me via regular mail and I could make copy of Drivers license and anything else needed and she stated NO-Called back and spoke with XXXX from Synchrony and basically told no other options. I am so frustrated with Synchrony bank especially Customer Service-I do have Synchrony Financial Board of Directors c/o Corporate Secretary XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX if this is legit ) I will wait a response from you before proceeding contacting them. I just want my JC Pennys closed and my CARE CREDIT reinstated. 
I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Texas XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

, XXXX, CA, undefined

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had my credit locked for over a year now. On XX/XX/year>, I received a notification from XXXX that my credit was unlocked and that there was a new hard inquiry from XXXX XXXX XXXX XXXX that I did not apply for. I locked my credit again through the XXXX app right away. The next morning, I called XXXX and told them it was fraud, and I did not apply for any loans or even attempt to open an account with them. Next, I called XXXX and asked if they had any additional security methods that I could add on my account when calling in because the ones who stole my identity knew all of my personal information including my SSN. They told me if they got the verification questions right, they had to assume it was me. A few days after that I received license plates and registration in the mail and the registration said that XXXX was the lienholder and I was the registered owner. I looked up the address that the plates were sent from and it was XXXX in XXXX XXXX. I called XXXX and made them aware of the situation and told them I never bought a car with them and let them know it was fraud. They advised me to file a police report. I called XXXX again and request to know what information they had on the account. The representative told me that the address on file was XXXXXX/XX/XXXX XXXX XXXX, CA XXXX ( not my address, don't know anyone at the address ), XXXX ( not my email ), and XXXX ( not my phone number, don't know anyone with that number ). There was not an account number created yet so they could not provide that.

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 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The CFPBs new rule amends Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), to end this exception and establish guardrails for credit reporting companies, prohibiting them from including medical bills on credit reports sent to lenders, who are banned from considering them. 
Currently medical bill is on my credit report affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 non-monetary relief
Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: VT

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief