vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is collecting a debt on behalf of XXXX XXXX for equipment that was returned. I spoke to a specific gentlemen ( XXXX XXXX XXXX ) and he assured me it was marked as returned and I assumed at that time everything was fine. Come to find out later a debt was placed on XXXX, XXXX, and XXXX in my name for the aforementioned equipment. I would like for this to be removed from my credit report immediately as it is prohibiting me from buying a home for my family. It is my understanding that only accurate information may be reported to the credit bureaus and this is a clear violation of the FCRA. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law 73-10 ( HJR-192 ) : As per Public Law 73-10 ( HJR-192 ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d.

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d. 

Correction of Credit Report : I request that XXXX XXXX XXXX XXXX correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law 73-10 ( HJR-192 ) : As per Public Law 73-10 ( HJR-192 ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d.

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d.

Correction of Credit Report : I request that XXXX XXXX XXXX XXXX correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
Accounts are reported incorrectly on my credit report. 
This is an authorized inquiry. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX XXXX XXXX of inquiry : 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 2024-11-21 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: LA

Complaint narrative:
XXXX [ XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation Dear Sir/Madam, I am writing in response to your recent communication regarding an alleged debt associated with my name. Please be advised that I am requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is currently owed. 
Documentation that verifies your legal right to collect on this debt, including the original contract or agreement. 
A complete account history, including any interest or fees added to the original debt. 
A copy of any judgment, if applicable. 
Until you provide this information, I ask that you cease any further collection activity, including reporting to credit bureaus, as required by law. 

Please send your response to the address listed above. If you are unable to validate this debt, I expect all collection efforts to cease and any reported information to be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers : XXXX XXXX XXXX : XXXX XXXX XXXX  Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX {$1200.00} XXXX FUNDING XXXX XX/XX/XXXX {$250.00} ONLINE IN SV XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX MRV/VERV-REV XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXXXXXX 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 2024-11-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : DIVERSIFIED ADJUSTMENT XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under Statement of Financial Accounting Standards No. 95 ( FAS95 ). According to FAS95, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.

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 2024-11-21 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: IN

Complaint narrative:
XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under Statement of Financial Accounting Standards No. 95 ( FAS95 ). According to FAS95, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
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 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