vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am filing this formal complaint regarding NCB Management Services for violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX. 

XXXX of Events : On XX/XX/year>, I sent NCB a debt validation letter, formally requesting verification of the alleged debt. 

I did not receive a response until XX/XX/year>, well beyond the XXXX period allowed by law for validation under the FDCPA and XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I sent a second letter demanding immediate removal of the debt from all records and credit reporting, citing NCBs non-compliance with debt validation and notice requirements. 

Additionally, I never received my original written notice of the right to dispute the debt within XXXX ( XXXX ) days of their initial communication, which is a direct violation of 15 U.S.C. 1692g ( a ). 

On XX/XX/year>, I received a second letter from NCB stating they could not find substantial information to support my dispute, effectively admitting that the debt could not be verified. 

Despite this, NCB continues to report this unverified debt to credit reporting agencies and has failed to remove the account as requested. 

Violations : FDCPA 1692g ( b ) : NCB failed to cease collection efforts or provide proper verification within the required time.

FCRA 1681s-2 ( b ) : Continued reporting of disputed and unverified information to credit bureaus. 

XXXX XXXX XXXX XXXX : Failure to investigate and correct disputed debt information within 30 days. 

FDCPA 1692g ( a ) : Failure to send the consumers right to dispute within XXXX days of initial contact. 

This company is in clear violation of multiple federal and state consumer protection laws. As such, I am demanding full removal of this debt from all records and credit bureaus as a result of NCBs failure to comply with legal validation requirements. 

Supporting Documentation : I have attached : A copy of my original dispute letter ( dated XX/XX/year> ) Proof of delivery/receipt Copies of NCBs delayed responses The timeline of communications Evidence of ongoing reporting despite lack of verification Please consider this a formal request for immediate action to remedy these violations and ensure that this unverified debt is permanently removed from my credit report and all collection efforts cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OK

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I can no longer give the dates I can only remember it was between XXXX and XXXX of XXXX and around XXXX til XXXX of XXXX {$500.00} just vanished for no reason and they claimed to have no transaction and I the IRS deposited my refund from XXXX and the put my account in the negative {$630.00}. they never gave me a explanation and the closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Contacted by Midland Credit on a debt that is being negotiated via XXXX XXXX reconciliation. Original creditor negotiated a settlement that is being paid. Informed Midland Credit of such and asked for Validation of debt. XXXX laughed and stated no problem we'll just report it on your credit then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
There is no resolve to my issues with Shell point mortgage also known as loan care also known as New res. They tell me that they can't cross reference when they change names and the extra payments that I have made to principal only are sitting as unapplied not amortizing positively as they should be. They are not reporting my good credit for the past 20 years or so that I've had this loan to the credit reporting agencies. And they will not fix the accounting problem after completely admitting that everything I'm telling you is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to inquire about an account with the following identifying information. 

I have no prior knowledge of this account and am seeking to understand its purpose, ownership, and current status. I need to verify some information related to this account. I am attempting to resolve a potential issue involving this account. 

Could you please provide me with some information regarding this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : 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 XXXXXX/XX/XXXX This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased. Do not delay. Act now. This matter must be resolved immediately.

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 2025-03-31 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: MS

Complaint narrative:
I hope this message finds you well. Im reaching out because Ive noticed some incorrect information on my credit report, and I need to get this straightened out immediately. There are accounts that I did not authorize, and it does not belong on my credit report. This is clearly an error, and I expect you to take prompt action to remove 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 non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Theres and account on my report that I dont know of or did not open, and its hindering my credit. This has been an issue since 2022 and Im just now noticing. There has been an account open on my credit profile XXXX XXXX XXXX XXXX XXXX. Saying that I have a charge off for the amount of {$390.00} but Ive never opened the account. I would like for this to be resolved by permanent deletion from my credit report. 

Account : XXXX XXXX XXXX  XXXX XXXX Charge off Amount : 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
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Theres and account on my report that I dont know of or did not open, and its hindering my credit. This has been an issue since 2022 and Im just now noticing. There has been an account open on my credit profile XXXX XXXX XXXX XXXX XXXX. Saying that I have a charge off for the amount of {$390.00} but Ive never opened the account. I would like for this to be resolved by permanent deletion from my credit report. 

Account : XXXX XXXX XXXX  XXXX XXXX Charge off Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-03-31 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:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

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

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

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

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

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reuqested XXXXXXXX XXXX  to validate this account. 

Account : XXXX Amount : {$1200.00} I know nothing about. I have no relationship or contract or ever have with this company.

I requested the following information : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide full validation of this debt, including : 1. Proof that you have the legal right to collect the debt, including a copy of the original creditor agreement that grants you authority.

2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, and any additional fees. 
XXXX. A copy of the original signed agreement between myself and the original creditor, proving I have a legal obligation to pay this debt. 
4. Verification of the statute of limitations for this debt in my state, including the date of last activity.

5. Proof that this debt has not been paid, settled, discharged, or otherwise resolved.

6. Your debt collector license number and authorization to collect in my state, as required by state law ( if applicable ).

7. The name and address of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).

XXXX XXXX failed to provide this information to me. If it wasnt provided to me how can it be provided to Experian and Transunion. They have not conducted a proper investigation.

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 2025-03-31 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried logging into my equifax report and it looks like there is an incorrect email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
There is a company called DRS on my credit reports for XXXX  $ the original collector of this collection is a company called XXXX XXXXXXXX  I have no idea what this is. I have tried to contact this company with no results. This is nothing that belongs to me. I have bought this with the credit bureau multiple times that showed up on my credit about two months ago. It says it's due to fall off next year. It's never been in my report before this is a fraudulent charge. I have told them over and over again on disputing and they don't even disputed it comes right back on within two days that it's verified. It has never been verified. I can't even contact this company so how would they verify it and if it was something that was sold into another Credit company that is illegal to sell my information I never signed anything for them to do that. I have asked multiple times for them to send me information about this account with no luck at this point It's fraud. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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