vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LEXISNEXIS
State: IN

Complaint narrative:
I entered into a contract with LexisNexis under the misunderstanding, bolstered by explanations from company representatives, that the promotional rates would continue indefinitely beyond the initial term. This was crucial in my decision to sign up for their services. Upon expiration of the promotional period, I was surprised by a significant increase in the billing amount, contrary to what I had understood from the initial agreement discussions. 

Further complicating this issue, I suffer from severe health conditions, including XXXX and its complications, which have significantly impacted my cognitive abilities and financial situation. I communicated these difficulties to LexisNexis, requesting accommodations, including the continuation of promotional rates to align with my original understanding of our agreement. However, my requests were not met, and the matter was escalated to a collections agency, which has since threatened legal action. 

Given the profound miscommunication, my compromised health at the time of the agreement, and the subsequent aggressive collection practices, I am seeking a complete discharge of the debt. The actions taken by LexisNexis and the collections agency have added significant stress and worsened my financial and health situation. 

This situation spans from the contract 's commencement in XX/XX/XXXX until now, with the most aggressive actions taken in XX/XX/XXXX. I believe that the fair and just resolution is the complete discharge of the debt, acknowledging the initial miscommunication, the lack of adequate response to requested accommodations, and the undue hardship imposed by the escalated billing and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: MA

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 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: AR

Complaint narrative:
This medical bill should not be on my credit report according to the CFPB law. 

I ask for proof of debt and never received it.

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 2025-03-06 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: PA

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint against TransUnion, Equifax, Experian for failing to properly investigate inaccurate information reported on my credit report, despite my efforts to resolve this issue directly with them. 

On XX/XX/year>, I initially contacted TransUnion, Equifax, Experian in writing, providing detailed information and supporting documents to dispute inaccuracies on my credit report. Instead of investigating my dispute, TransUnion responded with stall letters, which did not address the concerns I raised. I attempted to follow up by calling their customer service department, but my calls have gone unanswered. 

This situation has caused me significant frustration and potential harm, as the inaccurate reporting affects my financial standing and creditworthiness. The issue involves fraudulent accounts, incorrect payment history, '' charge off accounts that are still reporting activities. 

I have attached all relevant supporting documents, including copies of my original dispute letter, TransUnion 's, Equifax, Experian 's response, and any evidence substantiating the inaccuracies and fraud on my credit report. 

I kindly request the CFPB to investigate this matter and hold TransUnion, Equifax, Experian accountable for its failure to comply with its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Additionally, I request guidance on any further steps I should take to protect my rights and resolve this issue. 

Than 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 2025-03-06 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: PA

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint against TransUnion, Equifax, Experian for failing to properly investigate inaccurate information reported on my credit report, despite my efforts to resolve this issue directly with them. 

On XX/XX/year>, I initially contacted TransUnion, Equifax, Experian in writing, providing detailed information and supporting documents to dispute inaccuracies on my credit report. Instead of investigating my dispute, TransUnion responded with stall letters, which did not address the concerns I raised. I attempted to follow up by calling their customer service department, but my calls have gone unanswered. 

This situation has caused me significant frustration and potential harm, as the inaccurate reporting affects my financial standing and creditworthiness. The issue involves fraudulent accounts, incorrect payment history, '' charge off accounts that are still reporting activities. 

I have attached all relevant supporting documents, including copies of my original dispute letter, TransUnion 's, Equifax, Experian 's response, and any evidence substantiating the inaccuracies and fraud on my credit report. 

I kindly request the CFPB to investigate this matter and hold TransUnion, Equifax, Experian accountable for its failure to comply with its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Additionally, I request guidance on any further steps I should take to protect my rights and resolve this issue. 

Than you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Bank reported XXXX XXXX day late payments on my credit report. This company broke the law because they must insure I received my statements no later than XXXX XXXXays before my due date. This company has violated 15 USC 1666b : timing of payments. This is from the US Commerce and Trade 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 2025-03-06 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I do not have accounts with the companies. I have requested validation and instead of sending me validation they continue to call and send mail demanding payment after I have told them I do not have an account with them and to please provide validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I became aware of the CFPB lawsuit against Experian and I realized I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '' while at no time did they provide any documentation to substantiate or verity the debt.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-06 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
All I know is that these companies have hard inquiries on my credit report and I need them removed from because I didnt give permission to use my credit or running my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint against TransUnion, Equifax, Experian for failing to properly investigate inaccurate information reported on my credit report, despite my efforts to resolve this issue directly with them. 

On XX/XX/year>, I initially contacted TransUnion, Equifax, Experian in writing, providing detailed information and supporting documents to dispute inaccuracies on my credit report. Instead of investigating my dispute, TransUnion responded with stall letters, which did not address the concerns I raised. I attempted to follow up by calling their customer service department, but my calls have gone unanswered. 

This situation has caused me significant frustration and potential harm, as the inaccurate reporting affects my financial standing and creditworthiness. The issue involves fraudulent accounts, incorrect payment history, '' charge off accounts that are still reporting activities. 

I have attached all relevant supporting documents, including copies of my original dispute letter, TransUnion 's, Equifax, Experian 's response, and any evidence substantiating the inaccuracies and fraud on my credit report. 

I kindly request the CFPB to investigate this matter and hold TransUnion, Equifax, Experian accountable for its failure to comply with its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Additionally, I request guidance on any further steps I should take to protect my rights and resolve this issue. 

Than 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 2025-03-06 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MA

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I do not have accounts with the companies. I have requested validation and instead of sending me validation they continue to call and send mail demanding payment after I have told them I do not have an account with them and to please provide validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I do not have accounts with the companies. I have requested validation and instead of sending me validation they continue to call and send mail demanding payment after I have told them I do not have an account with them and to please provide validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
On XX/XX/XXXX, I contacted the phone number on my credit report for LVNV Funding ( accts ending XXXX and XXXX ). I had received an email stating that a settlement offer was available. LVNV confirmed settlement amounts of {$3000.00} for acct XXXX and {$2500.00} for acct XXXX. This is 40 % of the total balances. I requested 30 % over the phone in negotiation and was told to contact Resurgent Capital who handles LVNV 's payments. I called Resurgent on XX/XX/XXXX and attempted to negotiate for 30 %. The best they could do was 40 %. I went to the website to make the payments on both accounts and no offer for settlement was available, only the full account balance. Each time I have contacted Resurgent back between XX/XX/XXXX and XX/XX/XXXX, they had stated different amounts between 86 % and 100 % of the full balance but refuse to honor the 40 % offers made by both Resurgent and the account owner, LVNV. I contacted resurgent on XX/XX/XXXX to yet again make offer to pay the 40 % and was advised they could not honor that. I was transferred to XXXX XXXX at about XXXX and was advised the best they could do is just over 65 %. As of XXXX, my account shows an offer of 80 % on both accounts. These amounts fluctuate frequently, every representative gives a different amount, and they have refused to honor what has been offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I ask them to remove all HARD INQUIRIES of my credit report because I never gave no one permission to running my credit for anything and they didnt give me anything thing this is why I need help to have all of the HARD INQUIRIES move off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation