vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
Hello, I requested written validation of a debt that National Recovery Agency ( NRA ) claimed I owed, including a detailed bill. Despite multiple follow-ups over several months, NRA failed to provide the requested documentation, citing delays from the original creditor, XXXX XXXX XXXX XXXX.Frustrated with the lack of progress, I independently contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Both promptly confirmed that the debt was paid in full and expressed amazement that a collection report even existed for this account. 
Despite this clear evidence, NRA continues to engage in collection activities.

These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including : Failure to provide validation of the debt upon request ( Section 809 ). 
Attempting to collect a debt that has already been paid.

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 2025-01-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

4. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've made several disputes and reports against this Experian not handling two accounts they have placed in my credit report and asked for it to be taken off immediately. I have also called and spoken with agents several times. This issue is not being handled and just being ignored. They are reporting an account of XXXX XXXX XXXX acct # XXXX Contact info XXXX XXXX XXXX XXXX XXXX MS XXXX in the amount of {$3700.00}. They are stating it's past due and in collections. I do not have an account with this company never have had an account with them and never signed an agreement or contract with this company of any debt. I have asked repeatedly since XXXX of 2024 for this company to give a bill of sale, debt validation and 1099-c as well as debt validation there has been no evidence provided. This company continues to take the collection off my report as closed then put it right back on my account as an open account. Experian has allowed this fraudulent activity to happen and affect my credit tremendously in such a negative impact damaging my credit preventing me from trying to purchase a home. 
Everything on this account is inaccurate I need this looked into please and remove immediately for once and for all.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate. XXXX XXXX XXXX XXXX XXXX NJ 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 2025-01-09 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: MS

Complaint narrative:
capital one bank usa is showing as a inquiry on my credit report. which someone tried to get a card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
These companies are violating my rights they have not provided validation information under 12 CFR 100634 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I am entitled to monetary compensation for the multiple listed violations. There are two things they can do, delete the accounts effective immediately or they can compensate me. I have attempted to fix this issue directly with the company. They are now violating my rights and I will be seeking compensation if this is not removed and updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See attached. 
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE REPORTING.

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : Amount Owed : Verify amounts of {$15000.00} and {$9100.00} across the accounts and ensure consistency with payment records. 

Date of First Delinquency : Confirm the timeline of delinquencies, including the first 30-day delinquency as reported.

Date of Last Payment : Provide documentation supporting the last payment dates prior to charge-off. 

Payment History : Clarify the escalation of delinquencies to 150 days past due by XX/XX/year>. 

Method of Verification : Detail the process of validation, including original creditor agreements and account records.Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I paid my real estate taxes in advance because the escrow department would not calculate the annual taxes properly. I pay {$600.00} in real estate taxes each year in advance, but the escrow company estimated my taxes to be {$1600.00} per year. My home owner 's insurance is {$2700.00} per year which I have already paid. The only amount that I should be paying each month is the mortgage payment of {$660.00}. I requested that they recalculate the escrow to reduce the payment and I was denied. The escrow department is continuing to charge me for real estate taxes and home owner 's insurance although those accounts are paid in full and I have provided the escrow department with the appropriate receipts of payment. Currently the escrow department is charging me {$980.00} which is {$310.00} above my mortgage payment. I want them to remove the additional {$310.00} from my escrow account payment since the taxes and insurance balances have been paid in full for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
This account does not show any late payments or evidence leading up to the " charged off '' status. This account is also past the XXXX XXXX State Statue of limitation and should be removed and deleted from my credit report based on the reporting dates. Here is the XXXX XXXX state law for reference : 23 N.Y.C.R.R. 1.3 ( b ) and the new Consumer Credit Fairness Act Link : https : //www.dfs.ny.gov/industry_guidance/industry_letters/il20220407_23nycrrpt1_and_ccfa I have disputed this debt in the past ( XX/XX/XXXX ) and received no letter or proof of investigation. Here is the account info Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Unsecured Address : XXXX XXXX XXXX XXXX Number : XXXX Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2025-01-09 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: NY

Complaint narrative:
This account does not show any late payments or evidence leading up to the " charged off '' status. This account is also past the XXXX XXXX State Statue of limitation and should be removed and deleted from my credit report based on the reporting dates. Here is the New York state law for reference : 23 N.Y.C.R.R. 1.3 ( b ) and the new Consumer Credit Fairness Act Link : https : //www.dfs.ny.gov/industry_guidance/industry_letters/il20220407_23nycrrpt1_and_ccfa I have disputed this debt in the past ( XX/XX/XXXX ) and received no letter or proof of investigation. Here is the account info Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Unsecured Address : XXXX XXXX XXXX XXXX Number : XXXX Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account does not show any late payments or evidence leading up to the " charged off '' status. This account is also past the XXXX XXXX State Statue of limitation and should be removed and deleted from my credit report based on the reporting dates. Here is the XXXX XXXX state law for reference : 23 N.Y.C.R.R. 1.3 ( b ) and the new Consumer Credit Fairness Act Link : https : //www.dfs.ny.gov/industry_guidance/industry_letters/il20220407_23nycrrpt1_and_ccfa I have disputed this debt in the past ( XX/XX/XXXX ) and received no letter or proof of investigation. Here is the account info Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Unsecured Address : XXXX XXXX XXXX XXXX Number : XXXX Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2025-01-09 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: OH

Complaint narrative:
I requested that my personal information be verified for accuracy. There are addresses, names, and employers on my credit report that dont belong to me. There is also an account showing missed payments that were not missed. I have tried to dispute these errors over the last 24 months and seemed to have been ignored.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested that my personal information be verified for accuracy. There are addresses, names, and employers on my credit report that dont belong to me. There is also an account showing missed payments that were not missed. I have tried to dispute these errors over the last 24 months and seemed to have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested that my personal information be verified for accuracy. There are addresses, names, and employers on my credit report that dont belong to me. There is also an account showing missed payments that were not missed. I have tried to dispute these errors over the last 24 months and seemed to have been ignored.

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 2025-01-09 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: HUNTINGTON NATIONAL BANK, THE
State: OK

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXXXXXX XXXX Date Filed : Type of Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Card Address : XXXX XXXX XXXX XXXX, XXXX XXXX Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Filed : XX/XX/XXXX Type of Account : Credit Card/Revolving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Secured Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, 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