vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX that I had a Collection Notice posted to my credit report. I have received no communication regarding any debt that has not been paid. I immediately called the company ( Credit Management Company ) who posted the collection notice after XXXX provided me with the phone number. I spoke with an agent and requested that they email me information on the debt that was being collected. He emailed me a letter showing a debt in the amount of {$1000.00} to a company called XXXX XXXX XXXX XXXX XXXX. The debt was from a medical visit in a hospital on XX/XX/XXXX. After searching my XXXX XXXX  's for that date I discovered an XXXX  with a match in the amount of {$1000.00} which had been put under review by XXXX  for documentation related to the visit by XXXX XXXX XXXX XXXX XXXX. I called XXXX and asked them the status on this claim. They said that the Dr never submitted documentation on the visit. They said that the Dr was a preferred provider and was responsible for submitting the documentation. XXXX tried to contact this Dr but had to leave messages. I was able to reach the Dr myself who advised me that the company who she worked for at the time went bankrupt ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. She said she would help me to track down what was going on. She is currently working with me to figure out how to resolve this. XXXX XXXX contacted the Director of Medical Billing ( XXXX XXXX  ) at XXXX XXXX XXXX. This is the hospital where the visit took place. XXXX XXXX  contacted XXXX  and submitted documentation regarding the visit at the hospital on XX/XX/XXXX. 
Since the company filed bankruptcy in XX/XX/XXXX and my claim was in XX/XX/XXXX they NEVER sent me any form of communication before selling the debt to Credit Management Company. Credit Management Company NEVER sent me any form of communication before submitting this false debt to my credit which has dinged my credit by XXXX points. I did have an XXXX XXXX XXXX!!!!!!!! I have never had a collection notice posted to my credit! EVER! I believe this Credit Management Company to be in violation of the Fair Debt Collection Act by not notifying me and giving me an opportunity to resolve this issue before hitting my credit!!!!!!!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Alleged Auto Loan Account - Violation of FDCPA ( 15 USC 1692c ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and unauthorized account that appears on my XXXX  credit report. The details of the account are as follows : Account Type : Auto Loan Balance : {$14000.00} Status : Charged off, written off as of XX/XX/XXXX Date Opened : XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Balance : {$16000.00} Account Number : XXXX  I do not recognize this account, nor did I authorize this debt. Furthermore, I was never properly contacted or informed by any debt collector regarding this account, which may be a direct violation of 15 U.S.C. 1692c of the Fair Debt Collection Practices Act. This section outlines when and how a consumer may be contacted, and I believe my rights have been violated under this federal law.

Additionally, XXXX  indicates that a dispute was completed, but I was never provided sufficient validation of this debt as required under 15 U.S.C. 1692g ( b ). As such, I demand that this account be fully investigated and removed from my credit report unless the furnisher can provide full validation, including : 1.A signed contract or agreement showing I am legally obligated to this debt.

2.A complete payment history and chain of ownership if the debt was sold.

3.A copy of any documentation used to verify the debt during the prior dispute.

This negative item is materially harming my credit standing, and I am requesting your assistance to hold the creditor and XXXX  accountable under federal law. I request a formal investigation, and if the creditor can not provide proper documentation, this account must be deleted immediately.

Please confirm receipt of this letter and inform me of the outcome of your investigation within the timeframe provided under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

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 2025-05-13 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are being reported inaccurately and in violation of state and federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
Account that are in question are as follow 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 XX/XX/XXXX Under FCRA Section 1681i, I request that you investigate these disputed items and correct or remove them within 30 days of receiving this letter. If you are unable to substantiate these entries with proper verification and supporting documentation, I demand that these items be immediately deleted from my credit report. 
If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result.

Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws.

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 2025-05-13 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are being reported inaccurately and in violation of state and federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
Account that are in question are as follow 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 XX/XX/XXXX Under FCRA Section 1681i, I request that you investigate these disputed items and correct or remove them within 30 days of receiving this letter. If you are unable to substantiate these entries with proper verification and supporting documentation, I demand that these items be immediately deleted from my credit report. 
If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result.

Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information on my credit report is incorrect, and its directly interfering with my ability to get approved for credit. This has caused unnecessary stress and delays, and it's frustrating to keep getting denied over details that dont even accurately reflect who I am.

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 2025-05-13 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: IL

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report, I found the following inquiries that I did not authorize or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report, I found the following inquiries that I did not authorize or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-13 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: NJ

Complaint narrative:
Subject : Formal FCRA Dispute Unlawful Reinsertion, Re-Aging & Inaccurate Reporting of Account Dear Equifax, I am formally disputing the accuracy and legality of the information being reported on my credit file regarding the following collection account : Original Creditor : XXXX XXXX Prior Collection Agency : XXXX XXXX, XXXX ( deleted XX/XX/XXXX ) Current Collection Agency : XXXX XXXX Equifax Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00} Date Opened ( Reported ) : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX This account constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Unlawful Reinsertion Without Proper Notice ( 611 ( a ) ( 5 ) ( B ) ) The XXXX XXXX, XXXX XXXX account was previously deleted in XX/XX/XXXX. However, this same debt was reinserted under XXXX XXXX in XX/XX/XXXX without providing me written notice within XXXX business days, as required under the FCRA. This reinsertion is unlawful. 

XXXX. Re-Aging of Account ( XXXX ( c ) ) The account shows a new Date Opened of XX/XX/XXXX, and a Date Reported of XX/XX/XXXX, while the true Date of First Delinquency is XX/XX/XXXX. XXXX FCRA, the XXXX reporting period starts from the XXXX, and it is illegal to re-age a debt to make it appear more recent than it is. 

XXXX. Inaccurate Dispute Notation ( XXXX ( b ) ) The remarks now include consumer disputes this account information. I have never submitted a dispute directly to XXXX XXXX regarding this account. Therefore, this dispute notation is incorrect and misleading, which is a violation of FCRA 611. 

Requested Action : In accordance with my rights under the Fair Credit Reporting Act, I demand that Equifax : Delete the XXXX Systems account immediately from my credit report due to the unlawful reinsertion and re-aging of the debt. 

Remove the incorrect dispute remark, as no such dispute was initiated by me with XXXX XXXX. 

Provide written confirmation of your reinvestigation and the actions taken within 30 days, per FCRA 611 ( a ).

If this matter is not resolved within 30 days, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may pursue legal action for damages under FCRA 616 and 617.

Please see attachments showing previous accounts and dispute and results that shows Equifax negligence with the reinsertion of the same account under a different name and dates, in clear violations above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attempted to create a payment plan with Capital One to create a manageable way to bring my account back to active status prior to XX/XX/XXXX. Capital One was unable to meet my request for a payment plan of an amount that I can handle. So this resulted in my account continuing to be delinquent to XXXX XXXX where my account was charged off which I believe took place in XXXX of XXXX. As of XX/XX/XXXX, I had created a payment plan arrangement through the Capital One application for the amount I had previously requested from Capital One in the amount of {$120.00} payment per month on the XXXX day. Since that time, I have made on-time payments through XXXX of XXXX and my credit report is reflecting missed payments from XX/XX/XXXX to XX/XX/XXXX and I anticipate they will continue to report missed payments despite my payment arrangement. This is the core of the issue. If I am on a payment plan, I would expect my credit reporting to reflect on-time payments. Given my account is on a payment plan with Capital One. This reporting impacts all three credit bureaus and is causing undue harm in my ability to apply for housing and other everyday normal lending needs. I can furnish the payment arrangement plan as well as copies of my credit reporting in addition to payment confirmations of each of my on-time monthly payments. My desired outcome is to reflect at all payments made between XXXX and XXXX. XXXX and XXXX would be considered on time, assuming I continue to meet their requirements of my payment plan. Please advise and thank you. Don't hesitate to call with any questions. I also filed a dispute and it was indicated that XXXX  was reporting allegedly reporting correctly even though it has not accounted for my payment plan. XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A fraudulent business loan was taken out under my name and business XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX after speaking with XXXX XXXX he stated if I filed a FTC Identity Theft Claim, File a Police Report, fill out the Affidavit of Dispute Form provided by him and come into the office to give a sworn statement about the theft the loan will be removed from my credit reports that's being reported by XXXX XXXX XXXX. Equifax needs to remove this account immediately because their also in violation of reporting a fraudulent loan on my credit along with a illegal late payment 15 US166B.

Company response to consumer: Closed with non-monetary relief