vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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:
To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report # Account XXXX XXXX XXXX! = {$820.00}

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 2025-02-05 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 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 explanation
Consumer complaint received 2025-02-05 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:
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 2025-02-05 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: AR

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME XXXX XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
they are illegally reporting and I request specifically the alleged original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt is valid. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agency. XXXX, XXXX, XXXX, and XXXX. You must cease collection efforts until this alleged debt This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-05 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-05 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, 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 mandated 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 violation. I request that the CFPB that action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Just calll and said that I owed a debt on a repo that was charged off not letting me know how much it was sold for no documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX$720.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-05 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: IL

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I had a had a discharge of debt XXXX XXXX  in XX/XX/year> Although student loan were in that discharge they still were not remove from my credit and Aidavantage account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] XXXX [ XXXX ] [ XXXX ] [ Experian legal department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ] Subject : Formal Dispute & Demand for Permanent Deletion of Inaccurate Accounts Dear [ Credit Bureau Name ] , I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, I demand the immediate and permanent deletion of the following accounts from my credit file within five ( 5 ) days of receipt of this notice : [ List of disputed accounts, including creditor name, account number ( partial for security ), and any reference numbers ] Recent litigation, including lawsuits against XXXX and Experian, has highlighted systemic failures in proper credit reporting, reinforcing that consumers have the right to a fair and accurate credit file. Based on the FCRA, I am exercising my legal rights as follows : 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy : Your bureau is required to ensure the maximum possible accuracy of my credit report. Since these accounts contain inaccurate or unverifiable information, continued reporting constitutes a willful violation of my rights.

2. Violation of 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation : Upon my request, you must conduct a reasonable reinvestigation of disputed information. If the information can not be verified within the legally required timeframe, you must delete it. I demand an expedited review within five ( 5 ) days, given the recent legal precedents regarding inaccurate reporting.

3. Violation of 15 U.S.C. 1681s-2 ( b ) Duty of Data Furnishers to Correct or Delete Inaccurate Information : If the data furnishers fail to verify these accounts with documented proof, they must be deleted immediately. I request full disclosure of your communication with data furnishers as required under the FCRA. 

If these accounts are not removed within five ( 5 ) days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I am prepared to pursue legal action for willful noncompliance, seeking statutory damages under 15 U.S.C. 1681n. 

Please provide me with an updated credit report reflecting these deletions. I expect written confirmation of these removals and compliance with my request. 

Thank you for your prompt attention to this urgent matter. Failure to act within the specified time frame will result in legal consequences. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

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 2025-02-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Criminal background charges was drop and still appear on line

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 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THIS IS REGARDING MY HOME HAVING TITLE TRANSFERRED TO A NUMBER OF DIFFERENT ENTITIES WHILE INVESTIGATIONS WERE OCCURRING AND A DISPUTE WAS IN THE PROCESS OF BEING RESOLVED. ULTIMATELY SOMEONE ALLEGEDLY PAID HUNDREDS OF THOUSANDS OF DOLLARS MORE ON IT THAN WHAT I OWED. IN ADDITION, APPROXIMATELY {$100000.00} OF INSURANCE PROCEEDS WAS HELD IN AN ESCROW ACCOUNT FOR ME COLLECTING INTEREST SINCE XXXX. 
BOTH XXXX XXXX XXXXXXXX AND XXXX XXXX XXXXXXXX STATED THAT THE OVERAGE NEEDED TO BE DEALT WITH THROUGH MR COOPER WHO IS NOT COMMUNICATING. MR COOPER HAS CONTINUALLY INSTRUCTED ME IN THE PAST TO CONTACT THEIR REALTOR WHICH WAS DONE OVER 10 TIMES. THEIR REALTOR HAS NEVER RESPONDED TO ANY COMMUNICATIONS. I DO NOT KNOW WHICH ENTITY IS RESPONSIBLE FOR TRANSFERRING TITLE TO SOME INDIVIDUAL WHO WAS TRYING TO TRANSFER MY UTILITIES INTO HIS NAME AT LEAST 6 MONTHS PRIOR TO THIS ( PER MY UTILITY COMPANY ) WHEN THIS INDIVIDUAL SHOULD HAVE NOT HAD ANY INVOLVEMENT WITH MY PROPERTY. THESE ENTITIES FALSELY STATED THAT NO ONE WAS INTERESTED IN MY HOME WHEN IN FACT THERE WERE MANY PEOPLE INTERESTED IN PURCHASING MY PROPERTY INCLUDING MY NEIGHBORS ACROSS THE STREET WHO HAD TRIED TO PURCHASE IT BUT WERE BLOCKED FROM DOING SO. A TITLE REPORT SHOWS THAT THE SAME INDIVIDUAL WHO HAD BEEN TRYING TO TRANSFER UTILITIES INTO HIS NAME MONTHS BEFORE HE WAS PUT ON TITLE, PAID XXXX XXXX DOLLARS FOR MY PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed the debt however comes back as accurate, yet no documentation of results is provided. I do not have any agreements in writing nor am I Familiar with the company attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one is placing a close account on my report as late. This was open on 2016 and closed as paid. It is still showing on my report as a late payment. Each time I remove it. They will place it back on my report as present. 
This account is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: TX

Complaint narrative:
I scheduled a doctors appointment but ended up canceling it. Despite this, the medical office billed me for the visit. Since no services were rendered, I am disputing the charge. I have initiated the dispute process with both the credit bureaus and the medical office to resolve the issue. The date of the scheduled visit was set for XX/XX/year>, however, I called in advance to cancel the appointment with the office clerk. They confirmed the cancellation of my appointment and that I would not be charged as there were no services rendered. The original medical company later underwent a merger/acquisition, and it was then when my scheduled visit was charged against me. The credit bureaus were alerted and now we are pending Account Resolution Corporation to drop the charges, but the charges continue to reflect on my credit report. I have evidence that I was not in for service on the date that I am being charged for as the original company went through a merger and a billing error caused the invoice to generate to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 

Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681s-2 ( b ) Civil Liability for Negligent Non-Compliance Dear Credit Bureau Representative , I am writing to formally dispute inaccurate and misleading information that appears on my credit report. This information is in violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in an unjust negative impact on my creditworthiness. 

The disputed account is as follows : Creditor/Furnisher Name : XXXX Account number : last 4 digit : XXXX Date of Reported Inaccuracy : XX/XX/XXXX Disputed Information : Account closed Legal Basis for Dispute : Pursuant to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a reasonable investigation upon receiving notice of a dispute. Under 15 U.S.C. 1681o, civil liability is imposed for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). The inaccurate information on my report has not been verified according to the standards required by law. As a result, I demand the immediate correction or deletion of this erroneous data.

Company response to consumer: Closed with non-monetary relief