vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit score XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation and corrections.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
A debt originally with XXXX XXXX, delinquent since XX/XX/XXXX, was sold to Midland Credit Management ( MCM ). The debt, originally {$920.00}, was paid in full by early XXXX via wage garnishment totaling {$1300.00}, as ordered by the Oklahoma County District Court ( XXXX XXXX XXXX ). Despite this, MCM reported a {$460.00} balance as an active collection on my credit report in XX/XX/XXXX. I disputed this with the credit bureaus, and on XX/XX/XXXX, XXXX, XXXX, and XXXX ruled in my favor, confirming the debt was paid. However, MCMs XX/XX/XXXX, letter falsely claimed the debt was unpaid and omitted the payment history. I emailed MCM to dispute the debt and requested they confirm its status and update their reporting to paid, {$0.00} balance, but they stopped responding after I mentioned legal action, deferring to their legal team, XXXX XXXX XXXX XXXX XXXX, who provided no answers. This false reporting caused a XXXX  loan denial in XXXX for a {$150000.00} home and land in Oklahoma, leading to financial losses ( lost property value, higher interest rates ) and emotional distress. MCMs actions violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I want MCM to correct the credit report to paid, {$0.00} balance and address the harm caused. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-02 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX XXXX, Applied bank Account # XXXX date opened XX/XX/XXXX bal. {$590.00}, first premier bank Account # XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$470.00}, self XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$110.00}, possible finance incAccount # : XXXX date opened XX/XX/XXXX bal. {$110.00}, personify Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX XXXX, Applied bank Account # XXXX date opened XX/XX/XXXX bal. {$590.00}, first premier bank Account # XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$470.00}, self XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$110.00}, possible finance incAccount # : XXXX date opened XX/XX/XXXX bal. {$110.00}, personify Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I was initially contacted via phone call by the company in XXXX upon learning of the debt. I didnt investigation and filed a police report and FTC report for identity theft provide provided a copy to the company on XX/XX/XXXX of this year. It appeared on my credit report, I called the company and they said that they had never received the identity theft report. I have since emailed to them, but they will not acknowledge receipt and are attempting to continue to collect and continue to keep it on my credit report it appears on my XXXX credit report dated today. It should be removed similar to the XXXX  a paragraph 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your failure to provide me with the method of verification regarding my previous request under the Fair Credit Reporting Act ( FCRA ). On 1/12/2025 I submitted a request for the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires Experian to disclose the procedure used to verify the accuracy of the disputed item on my credit report. 


XXXX XXXX account number : XXXX To date, you have failed to provide this legally required information, which is a direct violation of the FCRA. Under the law, you are obligated to provide a description of the process used to determine the accuracy and completeness of the disputed information. Your failure to comply suggests that the item may not have been properly investigated or verified, which could indicate an improper reinsertion of inaccurate data.

I demand that you : 1. Immediately provide me with the method of verification used in the dispute process, including the name and contact information of the party that allegedly verified the disputed information. 
2. Delete the unverified account from my credit report if proper verification can not be provided.

3. Provide a written response confirming your compliance with my request.

Failure to respond adequately within the time allowed by law may result in further action and I will pursue legal remedies. 

I expect your prompt attention to this matter and look forward to your response within 15 days of receiving this letter. Please send your response to the address listed above. 


Thank you 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 2025-04-02 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I didn't authorized the pulling of my credit and it was done without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute through the CFPB Complaint Portal requesting the removal of an inaccurate account from my credit report. Experian had 30 days to complete their investigation and respond, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA. 

However, Experian did not provide a response until XX/XX/XXXX, 202560 days laterwhich is well beyond the legally permitted timeframe. Under the FCRA, if a credit reporting agency fails to complete an investigation within 30 days, they are required to delete the disputed information from 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and XXXX for their failure to accurately report and correct inaccuracies on my credit report. These inaccuracies have severely impacted my ability to obtain housing. 

Specifically, I am requesting your assistance in addressing the following issues : Inaccurate Name : My credit report incorrectly lists my XXXX  name which is XXXX. I have not used this name since XX/XX/year>, at XXXX XXXX. I have contacted XXXX multiple times to correct this, but the error persists. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( a ), 1681i ( b ), 1681i ( c ), and 1681i ( d ), which outline the requirements for correcting inaccurate information. 

Incomplete and Inaccurate Negative Account Information : The credit reports from all three bureaus ( XXXX, XXXX, and XXXX ) do not show the complete account numbers for any of my listed accounts, which hinders my ability to address them effectively. I have contacted all three bureaus to request the full account numbers, but they have not provided them. Additionally, there are inaccuracies with the following negative accounts : XXXX XXXX XXXX, Account Number XXXX ( reported by CARE OF XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX , Account Number XXXX JPMCB CARD SERVICES, Account Number XXXX JPMCB CARD SERVICES, Account Number XXXX Inaccurate Address : My credit report lists an incorrect address at " XXXX XXXX XXXX '' and includes mailing addresses in XXXX, Florida. I do not live at the XXXX XXXX address and have no mailing addresses in XXXX. I am a XXXX person on SSI, and my correct and only address is XXXX XXXX XXXX, [ not the one with the additional letters and numbers ]. The additional letters and numbers on the address are inaccurate. 
Additionally, I have been affected by the data breaches at XXXX, XXXX, and XXXX, which increases my concern about the accuracy and security of my personal information. 

I am requesting that the CFPB take the following actions : Investigate the inaccurate reporting by XXXX, XXXX, and XXXX. 

Compel these agencies to correct the errors on my credit report, specifically regarding my name and address. 

Require the credit bureaus to provide the complete account numbers for all listed accounts and address the inaccuracies in the negative accounts. 

I am providing this information to support my request for assistance in resolving these credit reporting issues. These errors are causing me significant hardship, particularly in my efforts to secure housing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Sources and related content

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 XXXX  XXXX 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 2025-04-02 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: GA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-02 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX, ( from XXXX XXXX XXXX XXXX XXXX ), Discover Bank received my request to correct their internal records and cease reporting fraudulent information to credit bureaus under Texas BCC 521.103 and FCRA 1681s-2 ( a ) ( 1 ), along with a Texas BCC 521.103 court order, via certified mail # XXXX with return receipt. Delivery was confirmed on XX/XX/year>. The request and court order identified a fraudulent accountCreditor : Discover Bank ; Date Opened : XXXX ; Balance : {$5900.00} ; Account # XXXXresulting from identity theft, supported by an FTC affidavit, police report, and proof of identity ( passport, Social Security card, proof of address ). In late XX/XX/year>, I called Discover, and they assured me the account was marked as fraudulent and would not appear on credit reports. However, as of XX/XX/year>, Discover is still reporting this account to XXXX, where it reappeared on my credit report after XXXX confirmed its deletion on XX/XX/year>. I called Discover on XX/XX/year>, at XXXX XXXX, XXXX XXXX, and XXXX XXXX, to demand they stop reporting it ; each time, they hung up when I raised the issue, refusing to address this violation of FCRA 1681s-2 ( a ) ( 1 ) and Texas BCC 521.103 . Their actions cause ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Goal Structured Solutions, LLC
State: OK

Complaint narrative:
I am XXXX XXXX XXXX. I was " sold '' on the notion of solar panels using fear tactics of rising electricity costs. In addition and most importantly, it was NEVER disclosed to me that there would be lien placed on my home such that I would not be able to refinance it. In speaking to loan officers, they are telling me that they are receiving many such complaints. 

These companies charge exorbitant amounts of money to install systems that do not perform as well as they say while using Fed income tax advantages to increase their own revenues. 

The disclosure requirements on these companies are insufficient. It is as if the Federal Govn. is now supporting open season on retirees and allowing horrific consequences to their financial solvency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with explanation