vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Midland Credit Management Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing to formally request a debt validation for the above-referenced account under the Fair Credit Reporting Act ( FCRA ), specifically per 15 U.S.C. 1681g and 15 U.S.C. 1681s-2. This is my second request for validation, as I have not yet received sufficient proof that this debt is valid and accurately reported.

According to the FCRA, you are required to provide complete and accurate information, including : A copy of any contract or agreement bearing my signature that verifies the validity of this debt.

A full accounting of the debt, including the original amount, all payments made, and how the balance was calculated.

The name and address of the original creditor, as well as any documentation showing the transfer of this debt, if applicable.

Proof that you are legally authorized to collect this debt in my state.

Additionally, under 15 U.S.C. 1681s-2 ( b ), if this debt is being reported to any credit reporting agencies, you are required to investigate and rectify any inaccuracies. Please provide written verification that this has been completed or that this debt has been removed from my credit report if validation can not be provided.

If you are unable to provide this information, I respectfully request that you cease all collection activities and remove any negative reporting associated with this debt from my credit reports.

Please respond within 30 days of receipt of this letter. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: NY

Complaint narrative:
LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts contain errors that require immediate correction : XXXX XXXX XXXXt Account Number : XXXX Reporting Agencies : XXXX, XXXX, XXXX Disputed Information : Incorrect balance of {$12000.00}, inaccurate status of " Collection/Charge Off, '' and outdated remarks. 
XXXX XXXX Account Number XXXX XXXX Reporting Agencies : XXXX, XXXX, XXXX Disputed Information : Incorrect reporting of " Foreclosure/Repossession '' status and inconsistent account status ( closed vs. open ). 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies in my credit file violate this requirement and negatively impact my creditworthiness.

Additionally, under 15 U.S.C. 1681b ( a ) ( 2 ), my confidential credit information can not be disclosed without my explicit authorization. If your agency continues to report this inaccurate information, it may also constitute a breach of my privacy rights.

I formally request the following actions : Immediate investigation and correction of the disputed items per 15 U.S.C. 1681i. 
Deletion of any unverifiable or inaccurate information from my credit report. 
Written confirmation of the results of your investigation within 30 days, as required by law. 
Failure to comply with this request will leave me with no choice but to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve my right to seek damages for any willful non-compliance under 15 U.S.C. 1681n.

Please send all correspondence regarding this dispute to the address listed above. I appreciate your prompt attention to this matter and expect a timely resolution. Attached in this letter copy of state ID for identification Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-07 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: TX

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-07 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: OH

Complaint narrative:
I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report may be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : 1. XXXX : a. AccountName : XXXX 
XXXX : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report may be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : 1. XXXX : a. AccountName : XXXX 
XXXX : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 XXXX 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 AND XXXX. 

Account Name : XXXX  XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXDATE 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 Account Name : XXXX XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report maintained by LexisNexis, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a thorough investigation into the following accounts and demand corrections where necessary to ensure compliance with federal regulations. 

Disputed Accounts XXXX. XXXX XXXX XXXX  Account Number : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Dispute Reason : The account status, balance, and remarks appear inaccurate. Please verify and correct any errors in accordance with FCRA guidelines. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Dispute Reason : The account reflects a foreclosure/repossession, but I contest the accuracy of this information. Additionally, the account is marked both " Open '' and " Closed, '' which is contradictory. Please conduct a reinvestigation and provide validation.

Legal Basis for My Request Per 15 U.S.C. 1681s-2 ( a ) ( 1 ), credit reporting agencies must ensure the accuracy of consumer records. Incorrect or unverifiable data must be corrected or deleted. Additionally, XXXX v. XXXX ( 2012 ) reinforces the necessity for consumer reports to maintain verifiable and accurate information. 

I request that you investigate these accounts and provide written confirmation of the actions taken. If the disputed information can not be verified, I ask that it be removed from my report as required by law. 

Please send all correspondence regarding this matter to my mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your investigation within 30 days, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
On XX/XX/year>, I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) portal, highlighting the presence of incorrect name variations on my credit report. I provided copies of my Social Security card, driver 's license, and other supporting documents to verify my identity and correct legal name. 

Equifax 's Response : On XX/XX/year>, I received a response stating that additional time was needed to review my submission. Subsequently, I was informed that XXXX required copies of my Social Security card and driver 's license to update my name. I had already provided these documents with my initial dispute. 

Current Situation : As of today, XX/XX/year>, my credit report still reflects incorrect name variations. This ongoing inaccuracy is concerning and may adversely affect my credit profile.

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 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XX/XX/XXXX sent correspondence to Freedom inquiring why XXXX taxes not paid. Included tax bill. Received response from Freedom saying they would respond by XX/XX/XXXX XX/XX/XXXX received a response from Freedom saying that they investigated and XXXX taxes not bill was paid on XX/XX/XXXX the amount of {$6400.00} XX/XX/XXXX received message from Freedom that said they received my message on XX/XX/XXXX they would respond by XXXX message was if they paid the taxes on XX/XX/XXXX why did I get an escrow account check dated XX/XX/XXXX in the amount of {$6400.00}. 

XX/XX/XXXX no response from Freedom. Made call to Tax section of Freedom explained all of above. They said they would investigate and get back to me. Not certain of date but about XXXX more weeks. Out of the conversation it seems they had the wrong parcel number. 

Note the original tax bill due in XX/XX/XXXX was {$6200.00}. I should not be responsible for any interest due. My property is now subject to a lien.

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 2025-03-07 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: CA

Complaint narrative:
I didn't authorize this company to run my credit. This is fraudulent

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