vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
I recently asked for a review of an account on my credit report to check if it's complete and correct. It seems they didn't do a proper investigation. I believe the information on my credit report is still wrong and missing details. This is causing me a lot of stress and making me feel very sad. Please help me ; I feel like my life is falling apart. 

Please understand that I am the person submitting this dispute, not someone else on my behalf.

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 2025-02-27 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: NC

Complaint narrative:
I recently asked for a review of an account on my credit report to check if it's complete and correct. It seems they didn't do a proper investigation. I believe the information on my credit report is still wrong and missing details. This is causing me a lot of stress and making me feel very sad. Please help me ; I feel like my life is falling apart. 

Please understand that I am the person submitting this dispute, not someone else on my behalf.

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 2025-02-27 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: OH

Complaint narrative:
It has come to my attention that certain derogatory information is being reported without validation, which is a violation of my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ).

As per the aforementioned statute, consumers have the right to request validation of any debt being reported by a credit reporting agency. Despite multiple requests for validation, I have not received sufficient evidence to substantiate the accuracy of the derogatory information on my credit report.

I am requesting that you promptly investigate this matter and provide me with the necessary validation for the disputed items. Please ensure that any information provided is in compliance with the Fair Debt Collection Practices Act and other applicable laws and regulations.

Furthermore, I expect that you take appropriate action to correct any inaccuracies in my credit report resulting from the unvalidated information. Please provide me with written confirmation once this investigation is completed and any necessary corrections have been made to my credit report.

Failure to address this matter in a timely and appropriate manner may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I expect a prompt response within 30 days 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 2025-02-27 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: OH

Complaint narrative:
It has come to my attention that certain derogatory information is being reported without validation, which is a violation of my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ).

As per the aforementioned statute, consumers have the right to request validation of any debt being reported by a credit reporting agency. Despite multiple requests for validation, I have not received sufficient evidence to substantiate the accuracy of the derogatory information on my credit report.

I am requesting that you promptly investigate this matter and provide me with the necessary validation for the disputed items. Please ensure that any information provided is in compliance with the Fair Debt Collection Practices Act and other applicable laws and regulations.

Furthermore, I expect that you take appropriate action to correct any inaccuracies in my credit report resulting from the unvalidated information. Please provide me with written confirmation once this investigation is completed and any necessary corrections have been made to my credit report.

Failure to address this matter in a timely and appropriate manner may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I expect a prompt response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: 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. This is XXXX 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 explanation
Consumer complaint received 2025-02-27 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX XXXX account # XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallllf, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigston : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer.

and according to the 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-02-27 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: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
On XX/XX/year>, I received the results of a dispute I filed with Equifax under Confirmation # XXXX. My dispute requested that Equifax update the payment history on several open accounts that I have always paid on time, as they were missing payment history on my credit report. Instead of correcting the missing data as requested, Equifax deleted these accounts entirely from my credit file, which was done in error. 

The Equifax dispute results, which I am submitting as supporting evidence, specifically show that the following accounts were wrongfully deleted instead of updated : XXXXXXXX XXXX XXXX XXXX XXXX  ( Account # ending in XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) These accounts were in good standing and were an essential part of my credit history. I did not request these accounts to be removed, nor was I informed that deletion was a possible outcome of my dispute. 

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) in multiple ways : FCRA 611 ( a ) Equifax is required to conduct a reasonable reinvestigation of disputed information and ensure the accuracy of my credit file. Instead of correcting the accounts as requested, they took the extreme and unnecessary step of removing them entirely.

FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Deleting positive, accurate accounts instead of making a minor update is not a reasonable procedure. 
FCRA 623 ( a ) ( 2 ) Information providers must promptly correct and update information when they become aware of inaccuracies. If the furnishers of these accounts did not request their removal, Equifax must reinstate them.

I have attached a copy of Equifaxs dispute results ( pages 3-4 ), which confirm that these accounts were deleted in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They were only trying to get medical information from me that they are not entitled to, they didn't want any information about the other multiple qualifying reasons for the insurance that was being paid for in the event of the listed events, they don't administer the insurance to begin with. They concealed the account number of the original creditors. Any information that I requested they said that I had to contact the original creditors to get. I also have joined a class action lawsuit for harassment by lvnv. The amount they claim is owed is almost 4 times the original debt. The attorney they are claiming to use has called me and been aggressive and demanding. I have told them not to call me and I have nothing to do with them. They have still called. There was no physical court dates in person to appear only a letter for a zoom hearing. My phone has been tampered with and I can't even access information to verify if anything is factual. Phonecalls are being redirected. Websites are also not reputable. Getting. Com where there should be. Government domains multiple addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After court date I received a document with no signatures at all supposedly mailed from new York? None of this makes sense. I was redirected here to cfpb from the ftc.gov website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Cap1/Neimn XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Late Payment Request for Correction Dear Cap1/Neimn, I am writing to formally dispute a late payment reported on my account [ XXXX ] due to improper application of my payment, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ).

According to this federal law, a creditor must credit a payment on the date it is received, unless there are specific delays due to improper submission by the consumer. I made a payment of {$76.00} and {$140.00} on [ XX/XX/year> and XX/XX/year> ], which was processed under the guidelines set forth. However, despite timely submission, I was unfairly assessed a late fee and/or reported to credit bureaus for late payment. 
To resolve this matter, I respectfully request the following actions : 1. Immediate reversal of the late fee applied to my account.

2. Correction of any negative credit reporting related to this disputed late payment.

3. Written confirmation that my account is in good standing.

I expect your prompt investigation and response to this matter within the required 30-day period under the Fair Credit Billing Act. If this issue is not resolved appropriately, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or other regulatory authorities.

Please provide written confirmation of the resolution at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX for any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Company Information : Company Name : XXXX XXXX XXXX  Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Company Email : XXXX Phone Number ( if needed ) : XXXX Complaint Details : Issue : XXXX XXXX XXXX has failed to take action regarding fraudulent accounts that were compromised and misused under my name, despite multiple disputes and legal notices. Their negligence has resulted in severe financial harm, including false charge-offs, unauthorized debt collection activity, and reporting of inaccurate information to the credit bureaus. 

Accounts in Question : XXXX ending in XXXX Code to locate : XXXX XXXX ending in XXXX Code to locate : XXXX Complaint Summary : 1.Failure to Investigate Fraudulent Accounts : Despite my certified mail dispute sent on XX/XX/XXXX, and a follow-up demand on XX/XX/XXXXXXXX XXXX XXXX has failed to investigate or remove these fraudulent accounts. 
XXXX in Verifying Identity Before Communicating with Unauthorized Individuals : XXXX XXXX engaged in unauthorized communication with fraudsters regarding these accounts instead of properly verifying identity. 
3.Failure to Suspend or Close Compromised Accounts : Even after being notified of fraud, XXXX XXXX allowed these accounts to remain open, leading to further misuse and financial damage. 
4.Unauthorized Credit Reporting and Debt Collection : These fraudulent accounts are now listed as charge-offs, which has severely impacted my ability to obtain housing, loans, and financial stability. 
5.Lack of Response and Compliance : XXXX XXXX has ignored multiple dispute letters, failed to respond, and continued inaccurate reporting, violating my consumer rights under federal law. 

Financial & Personal Harm : As a direct result of XXXX XXXX negligence, I have suffered : Denial of Mortgage Loan & Housing Instability Higher Interest Rates on Loans Due to Damaged Credit Inability to Co-Sign for My 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 explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Company Information : Company Name : XXXX XXXX XXXXXXXX Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Company Email : XXXX Phone Number ( if needed ) : XXXX Complaint Details : Issue : XXXX XXXX XXXX has failed to take action regarding fraudulent accounts that were compromised and misused under my name, despite multiple disputes and legal notices. Their negligence has resulted in severe financial harm, including false charge-offs, unauthorized debt collection activity, and reporting of inaccurate information to the credit bureaus. 

Accounts in Question : XXXX ending in XXXX Code to locate : XXXX XXXX ending in XXXX Code to locate : XXXX Complaint Summary : 1.Failure to Investigate Fraudulent Accounts : Despite my certified mail dispute sent on XX/XX/XXXX, and a follow-up demand on XX/XX/XXXX, XXXX XXXX  has failed to investigate or remove these fraudulent accounts. 
2.Negligence in Verifying Identity Before Communicating with Unauthorized Individuals : XXXX XXXX engaged in unauthorized communication with fraudsters regarding these accounts instead of properly verifying identity.

3.Failure to Suspend or Close Compromised Accounts : Even after being notified of fraud, XXXX XXXX allowed these accounts to remain open, leading to further misuse and financial damage. 
4.Unauthorized Credit Reporting and Debt Collection : These fraudulent accounts are now listed as charge-offs, which has severely impacted my ability to obtain housing, loans, and financial stability.

5.Lack of Response and Compliance : XXXX XXXX has ignored multiple dispute letters, failed to respond, and continued inaccurate reporting, violating my consumer rights under federal law. 

Financial & Personal Harm : As a direct result of XXXX XXXX negligence, I have suffered : Denial of Mortgage Loan & Housing Instability Higher Interest Rates on Loans Due to Damaged Credit Inability to Co-Sign for My Grandchildrens College Loans Loss of Employment & Business Opportunities XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief