vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ND

Complaint narrative:
Lease expired XX/XX/XXXX, paid in full. Receipts to confirm this fact. Rental management company XXXX XXXX added, subtracted, and voided numerous entries without a clear description of the charges. There are duplications of charges, manual entries of charges, and charges are not comprehensive enough to identify their origin or their validity. 

I requested clarification and an itemized list of current charges and a clear description of the debt over the phone XX/XX/XXXX. FCO ( Fair Collections and Outsourcing Inc. ) refused and failed to verify. I was told if I did not pay the alleged debt of {$360.00} by XX/XX/XXXX they would report it to the credit bureaus, and it would have an adverse effect on my credit. 

I contacted XXXX XXXX XXXX XXXX out of Michigan and had them send a legal notice to FCO on XX/XX/XXXX to provide and verify the debts. There was no response from FCO ( Fair Collections and Outsourcing Inc. ). As of XX/XX/XXXX, a derogatory mark was entered on all three credit agencies on behalf of FCO resulting in credit damages. The debt has yet to be clarified. FCO completely ignored the legal request from XXXX XXXX and refuses to communicate in good faith.

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 2025-01-29 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing a formal complaint against Midland Credit Management regarding unfair debt collection practices and inaccurate credit reporting. Below are the details of my complaint : 1. Unfair Debt Collection Practices I have received multiple collection letters from Midland Credit Management, each containing threats of legal action. However, the dates on these letters appear to have been altered, which raises concerns about their legitimacy and compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
2. Failure to Provide Debt Validation Upon receiving collection notices, I contacted Midland Credit Management and formally requested debt validation as well as a copy of the original purchasing agreement for the alleged debt. Despite my requests, they have failed to provide proper documentation verifying that I owe this debt. 
3. Inaccurate Credit Reporting Midland Credit Management has reported this debt to my credit profile. Given the lack of validation and potential inaccuracies, I have submitted disputes requesting verification of the information. However, the company has not taken appropriate action to confirm or correct the reported debt. 


Thank you for your time and assistance in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I applied for this card, never received a physical card from them. I was able to make my first purchase with an online card. I attempted to pay online like it said I would be able to, when I did they called me a scammer said they could not verify any of my personal information. They declined me the option to log in and make payments like a regular customer after telling them time and time over and over to please let me make my payment online they told me they could not verify I was really myself. I let my attorney speak with them, they still wouldnt allow it. Now they are harassing me, with phone calls every single day, emails harassing me and posted this account on my credit, when they initially said they couldnt verify the account was mine.

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 2025-01-29 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: OR

Complaint narrative:
Oregon Child support this should not be on 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account below is seven ears old and should be deleted. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year> Status Paid, Closed.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account below is seven ears old and should be deleted. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year> Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Deletion of XXXX XXXX XXXXXXXX at XXXX XXXX from XXXX and Experian I am writing to formally file a complaint regarding an account listed on my credit reports. Specifically, the account titled XXXX XXXX XXXX at XXXX XXXX has been successfully deleted from my XXXX credit report, but it still appears on my XXXX and Experian reports. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( b ) and Section 611, I am entitled to accurate and consistent information across all credit bureaus. Once an account is proven to be invalid, inaccurate, or deleted by one bureau, the reporting agencies must ensure that the information is corrected across all credit reports to prevent unfair or misleading representation of my credit history. 

I have previously disputed this account with XXXX and Experian and provided evidence of its deletion from XXXX. Despite my efforts, the item remains on my credit file with these two bureaus. This inconsistency violates my rights under the FCRA and imposes an undue burden on me by adversely impacting my creditworthiness. 

I am requesting that the CFPB take action to ensure that XXXX and Experian remove this account from my credit report promptly, as it has already been deemed unverified and removed by XXXX. 

Please contact me if additional documentation or information is needed to assist in the resolution of this matter.

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 2025-01-29 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:
I'm concerned that these repeated errors indicate a deeper problem with my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing once again to formally dispute inaccurate information on my credit report from Experian For over a year, I have made multiple attempts to correct this error without receiving a satisfactory response or resolution. Your agency 's negligence in addressing these inaccuracies has caused significant harm to my credit history and negatively impacted my financial opportunities..

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CHARGE-OFF ACCOUNT ( XXXXXXXX ) ** Violations : FCRA 611 ( c ), Texas Finance Code 392, CFPB Consent Order To Whom It May Concern : I demand the immediate deletion of the fraudulent charge-off account ( XXXX ) from my credit report. This account contains demonstrable inaccuracies and violates federal and Texas law. Equifaxs failure to correct this despite prior disputes constitutes willful noncompliance under the FCRA. 

Account Errors Inconsistent Reporting : High Credit : XXXX ( E q u i f a x ) XXXX XXXX XXXX Equifax 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 Equifax XXXX 

Date Last Active : XX/XX/XXXX ( Equifax ) vs. XX/XX/XXXX ( XXXX ). 

XXXX XXXX : Last Reported date of XX/XX/XXXX ( Equifax ) is impossible, as todays date is [ current date ].

Reinsertion Without Notice : This account was previously deleted but re-reported without written notice, violating FCRA 611 ( c ).

Legal Demands Permanently delete account CLXFEF** within 5 business days**.

Provide written confirmation of deletion and a revised credit report. 

Cease unlawful reporting of this fraudulent account. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs violation of the 2023 Consent Order for systemic inaccuracies.

Texas Attorney General Complaint : Under Texas Finance Code 392.304 ( a ) ( 8 ) ( misrepresenting debt details ).

Lawsuit in Texas Court : Seeking damages under : FCRA 616 ( {$3500.00} statutory damages ).

Texas DTPA ( up to {$20000.00} for deceptive practices ). 

Contact Information Phone : XXXX Email : XXXX CC : Consumer Financial Protection Bureau, Texas Attorney General Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received a notice on my credit report that I had a debit collection from I.C. System Inc. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The account stem from XXXX XXXX XXXX on the amount of {$330.00}. Upon learning from the collection agent the email address on the user is XXXX this is not my email address. Secondly, the address of the user XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXthis not my address. I was never a resident of XXXX. The phone # for collection agency does is XXXX. The account # XXXX. Please help me rectify this issue. Thanks.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccuracies on Credit Report Dear TransUnion, XXXX, XXXX XXXX I am writing to formally dispute certain inaccuracies on my credit report as provided by your agency. According to my recent review of the report, I have identified several discrepancies that I believe warrant correction. 

1. Account Information : Account Name : XXXX. XXXX XXXX. 

Account Status : The report indicates this account is Closed, yet it shows a payment status with Charged off. This is misleading and should be corrected to reflect accurate information regarding my payment history and account status. 

Payment History : The report lists payment history as XX/XX/XXXX days late with a record of XXXX. This does not accurately represent my payment behavior, as I have not been consistently late on this account. 

2. Amount Past Due : The report states an amount of {$770.00} as past due with no additional information. I request clarification and verification of this amount, as it appears to be an error. 

3. No Information on Payment Status : The report indicates No Info for the last payment status, which is inaccurate. I believe there is a record of my payments that needs to be updated. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide me with written verification of the findings. If you find that the information is indeed inaccurate, I ask that it be corrected or deleted from my credit report. 

Enclosed are copies of my credit report highlighting the inaccuracies, along with any relevant supporting documents. Please inform me of your findings and any actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 am writing once again to formally dispute inaccurate information on my credit report from XXXX For over a year, I have made multiple attempts to correct this error without receiving a satisfactory response or resolution. Your agency 's negligence in addressing these inaccuracies has caused significant harm to my credit history and negatively impacted my financial opportunities..

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing once again to formally dispute inaccurate information on my credit report from XXXX For over a year, I have made multiple attempts to correct this error without receiving a satisfactory response or resolution. Your agency 's negligence in addressing these inaccuracies has caused significant harm to my credit history and negatively impacted my financial opportunities..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
On my Cash app account someone was able to buy XXXX WITHOUT MY PERMISSIONtheres was no one to call at CASH APP to dispute this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My card has been hacked numerous times and money has been stolen. Starting XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. Cash App is not secure with banking and at some point did not offer live ( human ) representatives to handle issues making it difficult or impossible to get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against Cash App ( Block inc. ) due to unfair customer service and lack of compassion towards customers which violated the consumer financial protection act ( CFPA ). Cash repeatedly refused to address multiple complaints and frauds on my account. Falsely closed my accounts with no fair explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 the account is accurate, without providing any evidence di a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of 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 explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I recently noticed that my credit report contains incorrect personal information, which has resulted in an unfamiliar and inaccurate account appearing under my name. This is deeply concerning, as I have no connection to this account, and it should not be associated with me in any way.

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