vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: The Bureaus, Inc.
State: IL

Complaint narrative:
THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Amount Owed : {$1600.00} To Whom It May Concern : I am writing regarding the above-referenced account that you claim I owe. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.

Additionally, in accordance with 15 USC 1692c ( c ), I am formally requesting that you cease all communication with me except for the purposes explicitly permitted by the statute. As you are aware, 15 USC 1692c ( c ) states that after receiving written notification from a consumer to cease further communication, a debt collector may only contact the consumer : 1. To advise that collection efforts are being terminated ; 2. To notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. To notify the consumer that the debt collector intends to invoke a specified remedy.

Furthermore, I am requesting complete verification of this debt including : 1. Proof that you are licensed to collect debts in my state 2. Proof of your ownership of this debt and right to collect 3. Complete account and transaction history showing how the amount was calculated 4. The original signed agreement between myself and the original creditor 5. Documentation showing the chain of ownership if this debt has been sold 6. Verification that this debt is within the statute of limitations for collection in my state Until you provide this information, I request that you : Mark this debt as disputed with all credit reporting agencies Refrain from reporting this debt to any credit reporting agencies Cease all collection activities as mandated by the FDCPA If you can not provide complete verification as requested, I demand that you : 1. Remove all references to this debt from my credit reports 2. Cease all collection attempts permanently 3. Provide written confirmation that this matter has been closed I am aware of my rights under the FDCPA and will not hesitate to file a complaint with the Consumer Financial Protection Bureau and your state licensing board if you fail to comply with this request. 
This letter is not an acknowledgment that I owe this debt and does not restart the statute of limitations. 
I expect your response within 30 days as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
disputed information multiple times and asked for verified information that I singed up for these accounts. noting was shown. 
I did not agree for companies to list anything on my 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 2025-02-19 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-02-19 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:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Capio for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or Unverifiable Accounts unresolved. The consumer Financial protection bureau ( CFPB ) has recently filed A lawsuit against Experian, Alleging Systematic issues Such as Failing To forward consumer Provided evidence To furnishers, Accepting unreliable responses, and failing to adequately Notify consumers of Dispute outcomes. These failures Align with my experience when Experian Has neither corrected Nor removed Disputed items Despite the evidence I provided Causing on going harm To my credit standing. I am requesting Immediate Corrective action To remove or amend The disputed accounts, As Experian In action violates Federal law and my rights 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I ordered windows and doors in XX/XX/XXXX and was promised they would be installed no later than XX/XX/XXXX. The WRONG windows were " installed '' in XX/XX/XXXX. Installation was so poorly done that there were ( and are ) gaps of up to a half an inch, all doors and some windows do not latch, and considerable damage to my home was incurred ( photos were provided to Service Finance Company ). On the Certificate of Completion presented to me, I wrote " SEE ADDENDUM '' in large letters diagonally across the form. The addendum stated that the windows would be replaced within 3 weeks, and I would be refunded {$2000.00} for an item I did not order. ( The copy of the Certificate of Completion they forwarded to me was NOT signed by me. ) A representative of Service Finance Company called me a few days later to ask if the job had been completed. I responded NO, the job had NOT been completed. Despite that, they went ahead and paid the window provider resulting in another 8-month battle ( I STILL do not have new windows installed! ), lost rental income, additional heating costs, extreme discomfort through freezing temperatures in which I could not get my home above 60 ( or 56 when temperatures were sub-zero ), and more than a year of incredible frustration and aggravation.

Repeated calls, complaints, emails, uploads of photos, requests for copies of the phone call and Certificate of Completion were ignored. In XXXX or XXXX, Service Finance Company told me that the window provider claimed to have paid me {$2000.00} and to close the complaint. I was NOT refunded the {$2000.00}. I have repeatedly requested copies of that correspondence as well but were ignored. 

Complaining that I was ignored by the first " Complaint Resolution Specialist '', she was replaced by someone from " XXXX '' ( no title ) who has also ignored me. 

Summary : Service Finance Company should NOT have released funds for a job not complete. They should have made every effort to resolve the matter with me rather than ignore my requests. Lost revenue and cost of damages approximately equal the expected loan amount - time spent attempting resolution could easily double 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
My credit score is dropping dramatically in the last couple of months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I closed my account with Self Lead Bank and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing.

To my dismay, I recently discovered that Self Lead Bank has reported my account to XXXX and XXXX as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE YEARS XXXX, XXXX, XXXX REPORTING IN CURRENT STATUS WHEN NO PAYMENTS ARE BEING MADE ON THIS ACCOUNT IN THE AMOUNT OF XXXX SHOWING ACCOUNT OPEN. ACCOUNT CLOSED XXXX. 

SENT IDENTITY THEFT FORM AND THE FEDERAL TRADE COMMISSION SUBMITTED IDENTITY THEFT FORM ALSO. 
EQUIFAX STILL DOESN'T REMOVE THE XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. 

I HAVE ABOUT XXXX REQUESTS IN AND I KEEP GETTING LIED TO ABOUT THIS ACCOUNT. PLEASE CFPB TAKE ACTION THEY ARE PUTTING AND KEEPING FRAUDELENT INFORMATION ON MY CREDIT REPORT. 

EQUIFAX HAS XXXX TO 4 DAYS TO BLOCK THIS ACCOUNT OFF OF MY CREDIT REPORT AND REFUSES TO FOLLOW THE LAW OF THE FEDERAL TRADE COMMISSION. 

I KEEP GETTING TOLD DIFFERENT AND FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
1. Different emails on account that arent mine.

2.Different address on account that arent mine.

3. Different phone numbers on account that arent mine.

4.Three different accounts opened under my name. Discover sent me a letter that I am responsible for the entire balance on all three accounts and will be getting statements within 30 days. I never knew about the two other accounts being opened.

5. I suspect fraud on all these accounts.

6. I have never accessed or paid any these accounts on-line.

7. Never used square cash app. 
XXXX. I currently have XXXX XXXX. 
I filed a police report at the XXXX XXXX XXXX XXXX on XX/XX/year>. 
Case # XXXX. Phone number is XXXX XXXX XXXX is XXXX that I have been working with on this fraud. 
I have Been to XXXXXXXX XXXX 

Discover has sent me letters stating they have ending there fraud investigation, but I have ever see any paperwork in regards of some of these accounts and the balances due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XX/XX/XXXX # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/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