vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
CFPB Dispute Against Credit Bureaus XXXX Experian, XXXX, XXXX ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respondents : Experian XXXX XXXX Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against Experian, XXXX, and XXXX for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, Experian, XXXX, and XXXX have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted. 

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports.

Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability.

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation.

The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. Experian, XXXX, and XXXX credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am being charged interest at an interest rate that is higher than legally allowed in my state. The interest rate that I am being charged is 29.99 %, but my State ( Florida ) only allows a maximum of 18 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : 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 Original creditor These inaccurate information remain on my credit and is irreparable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
have told them that I have never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Mail in certified letter XX/XX/XXXX Bureau have yet changed the date of birth XX/XX/XXXXXXXX XXXX Thats not mine on XXXX XXXX. Ive sent in ID packets with passport and drivers license. Have yet got my birthdate, correct. Also XXXX XXXX XXXX account XXXX. They have yet cleared this off of my credit report he wrote out charged off.

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 2025-01-30 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: AL

Complaint narrative:
The company ( XXXX XXXX XXXX ) is violating my rights! They keep prolonging my disputes and not validating my debt. I have been trying for months and have yet to receive any debt validation. Also they have committed over 6 violations to my rights according to the fcra including 605b. The debt has taken more than 45 days to validate making it unverifiable and by law needs to be removed from my credit report. The debt is also not consistent on all 3 credit bureaus making it inaccurate also making it illegal on my credit. I am willing to take legal action if this is not removed within 24 hrs. I have given the company long enough to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The company ( XXXX XXXX XXXX  ) is violating my rights! They keep prolonging my disputes and not validating my debt. I have been trying for months and have yet to receive any debt validation. Also they have committed over 6 violations to my rights according to the fcra including 605b. The debt has taken more than 45 days to validate making it unverifiable and by law needs to be removed from my credit report. The debt is also not consistent on all 3 credit bureaus making it inaccurate also making it illegal on my credit. I am willing to take legal action if this is not removed within 24 hrs. I have given the company long enough to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a technical glitch, but the inaccuracies remained. Given this issue, I request a thorough review of the documents Ive provided so I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate personal information that appears on my LexisNexis consumer report. Upon reviewing my file, I have noticed multiple errors regarding my address, name spelling, and email addresses. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of all incorrect information, and the correction of my personal details as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : Macy 's is falsely alleging debt of {$530.00}, when Macy 's account closed with {$0.00} ( XXXX ) balance. Macy 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, Macy 's has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-30 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Last United States XXXX promised me that he was cancel All student debt. XXXX not able to pay those back. I bossing from XXXX can remove all my debt so I can be financially free. Please give me a chance. Removed all student debt please

Company response to consumer: Untimely response
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
**Subject : ** Urgent Response Required CFPB Complaint Violation Early warning Support, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, XXXX, and you are now stating that you need XXXX XXXX to investigate. This is **unacceptable** and a **violation of federal law** under the **Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) **.

Under **Regulation E ( 12 C.F.R. 1005.11 ) **, financial institutions must **investigate and resolve errors within 10 business days** or provide provisional credit while the investigation continues. Taking 60 days without proper justification or resolution **directly violates** federal consumer protection laws.

Furthermore, **12 U.S.C . 5565** grants the CFPB authority to impose substantial penalties for noncompliance. I demand that you **immediately** provide a proper response through the **CFPB portal** instead of delaying this matter. Any failure to comply will warrant **further escalation** and potential regulatory action. 
I expect an immediate update and resolution. **Failure to act in compliance with federal law will be reported accordingly. I demand that you remove this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX XXXX for {$2500.00} I have reached out to cashapp several times as well as filed a complaint with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
in regards to the data breach and i have sent in multiple disputes with the credit bureaus and i just get ridiculous letters about its not me sending information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-30 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:
This is my second time submitting a complaint to the CFPB the first complaint was submitted on XX/XX/year> at XXXX. The complaint number is XXXX. As I previously stated, I am a natural person, I am a living Human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous times. I demand the accounts listed below be removed immediately. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I am a victim of the Equifax Data Breach. Equifax has admitted the fraud that was committed and that I am a victim and I have a Claim number with Equifax. The claim number is XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
This is my second time submitting a complaint to the CFPB the first complaint was submitted on XX/XX/year> at XXXX. The complaint number is XXXX. As I previously stated, I am a natural person, I am a living Human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. XXXX has violated my rights numerous times. I demand the accounts listed below be removed immediately. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I am a victim of the XXXX XXXX XXXX. XXXX has admitted the fraud that was committed and that I am a victim and I have a Claim number with XXXX. The claim number is XXXX XXXX Account : XXXX XXXX XXXX Account : 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: MS

Complaint narrative:
NRA Group! I do not recognize this company. They continuously to call and text. I requested information. They only send me a text for payment to signup for. I made a complaint on XXXX. This company doesnt have a license to practice in Mississippi ! Please remove from my 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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: IL

Complaint narrative:
XXXX RA Roger Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief