vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Equifax responded to my request stating that they do not have any personal information on me or a credit record. How are they reporting verified information on my report if they don't have this information? Equifax is doing sham investigations and unlawfully failing to properly investigate my consumer disputes and it's hurting my credit worthiness and is also deformation of my character when other companies see this inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I am filing a formal complaint against Credit Collection Services ( CCS ) and XXXX for knowingly reporting and attempting to collect an unverified and potentially fraudulent debt, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, CCS reported a collection account for XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, damaging my credit profile. The account reference number is XXXX. 

I immediately demanded validation of this debt under FDCPA 15 U.S.C. 1692g, requesting : 1. A signed contract proving I owe this debt.

2. A full payment history with an itemized breakdown.

3. Proof that CCS has legal authority to collect this debt.

CCS failed to provide ANY validation within the legally required timeframe. Despite this, XXXX continues to report an unverified collection, which is a blatant violation of FCRA 15 U.S.C. 1681i requiring accurate and fully verified reporting.

Violations Committed & Legal Consequences FDCPA Violation Failure to Validate the Debt ( 15 U.S.C. 1692g ) CCS refused to provide proof of this debt, meaning it must be removed immediately under federal law.

FCRA Violation Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681XXXX ) XXXX is knowingly reporting false and unverified information, which is willful non-compliance with federal law.

FDCPA Violation Reporting False or Misleading Information ( 15 U.S.C. 1692e ( 8 ) ) CCS illegally reported an unvalidated debt and continued collection activity without proper documentation. 

CFPA Violation Unfair & Deceptive Practices ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) The failure to properly investigate, validate, and correct this account constitutes an unfair and deceptive practice, harming my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

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.

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 2025-01-31 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: VA

Complaint narrative:
Company never provided proof of debt ownership that was request XX/XX/year>

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-31 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
As I took a look over the documents provided in efforts for Exeter to not remove this negative tradeline, I found errors Exeter failed to provide correct amounts and has sent XXXX different forms with XXXX different balances which is illegal under the FCRA. 

My contract shows : {$21000.00} On the explanation of calculation form it says my balance is : {$24000.00} If {$17000.00} was paid I should legally only owe {$4400.00} NOT {$8600.00} The full amount of {$21000.00} was written off, and {$17000.00} was settled, so legallly, Exeter incurred a profit and only {$4400.00} should be considered and written off as a loss. 

extra fees should not be considered charged off if I wasnt initially billed for them. A charge off is when it has been 90 days since payment was received but if I never received a bill for the additional fees that I were charged for in XXXX,? How can it be combined and considered a charge off. ( When XXXX would make 90 days officially ) but my credit report shows a charge off for 6 consecutive months with the full balance of {$21000.00} written off.

The inaccuracies occur when Exeter sent an explanation sheet saying that my contract balance as of XX/XX/year> was {$24000.00} which was never in my initial contract agreement, they also stated that I owed {$7400.00} following the sale proceeds. It is illegal to provide false and inaccurate information on someones credit report. 

If Exeter can not fix this and remove this negative tradeline, I will like to move forward with a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 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: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company has violated federal statutes concerning timing of payments. They have reported payments as late concerning this open end credit account in violation of 15 USC 1681 ( 2Xi ), 15 USC 1666b and 12 CFR 1026.13. ( d ) ( 1 ) This creditor has made and has threatened to make adverse reports to other credit reporting agencies about my credit standing. They have also falsely reported that an amount and account is delinquent because I failed to pay the disputed amount or related finance charges.

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 2025-01-31 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XXXX, XXXX, XXXX under the account number ( XXXX ). Collection accounts such as XXXX  XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
I notified Equifax about a collection that didn't belong to me in my report through the CFPB. Equifax responded saying no collection was found on my report and that the complaint was resolved when the collection is still clearly on my report. I have attached the screenshot of the response. This further proves that Equifax is unlawfully placing items on consumer reports knowing that the information is inaccurate, and they are also not being truthful with their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Demand for Debt Validation Legal Requirements Dear Portfolio Recovery Associates, This letter serves as a formal and immediate demand for validation of the debt. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive full validation of the debt you claim I owe. Failure to comply with these legal obligations will result in legal action. This debt appears under account number XXXX XXXX. Debt Validation Requirement 15 USC 1692g In accordance with 15 USC 1692g, I demand that you provide me with the following documentation regarding the alleged debt : The amount of the debt, including any interest, fees, or charges that have been added to the principal balance. 
The name of the original creditor and any account number associated with the debt and wet signature. 
The proof of your right to collect on this debt, including a copy of the assignment or transfer of the debt, or a copy of the contract or agreement that establishes your claim to collect this debt. 
You are required under federal law to cease all collection activities until you provide the requested validation. 
XXXX. Compliance with Credit Reporting 15 USC 1681S-2 I also request that you immediately update your records in compliance with 15 USC 1681S-2 to ensure that the debt is not being improperly reported to credit reporting agencies while the debt is in dispute. Failure to correct any erroneous reporting will be considered a violation of the FCRA, and I will pursue further action to protect my rights.

3. Dispute Resolution 15 USC 1681i If you have already reported this debt to any credit bureaus, I demand that you immediately provide the full details of your investigation as required by 15 USC 1681i. Additionally, I expect you to take corrective action if the debt is found to be inaccurate or unverifiable.

4. Limitation on Debt Collection 15 USC 1681c-2 Under 15 USC 1681c-2 , if this alleged debt can not be validated, you are prohibited from continuing any collection activities or reporting it to credit bureaus. You must provide me with clear and sufficient documentation within 30 days from the date of this letter.

Failure to comply with these legal obligations will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state agencies. Additionally, I will consider taking legal action to ensure that my rights are fully protected.

I expect your prompt response, including all requested documents, within 30 days of the date of this letter. If you fail to comply with these legal requirements, I will take all necessary actions to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief