vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peritus Portfolio Services II, LLC
State: GA

Complaint narrative:
I have attempted to get this account resolved on repeat to no avail. 

*XXXX XXXXXXXX deferments then attempt to recollect on account as if payments are missed. 

*I have been advised by XXXX about missing payments yet when I submit multiple bank statements to show proof of payments account has not been updated to reflect-said missed payment. ( this is like pulling teeth-for life of loan-ALL REPS including management act as if past due or missing payment dates are top secret yet they continually threaten repossession-How are you not telling me what I allegedly owe you ) *no explanation why this account had well over XXXX payment reversals yet I never received any funds back. I need credit for ALL my payments for the life of the account and I have sent the proof for all supposedly missing payments yet I have not received any credit for these payments nor any change in the running balance due-I need this resolved per XXXX immediately XXXX 

I paid and I need credit for ALL payments I AM EXASPERATED WITH BEGGING FOR THIS ACCOUNT TO BE MAINTAINED LEGALLY AND CORRECTLY -YEAR AFTER YEAR-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage account # XXXX XX/XX/XXXX amount {$430000.00} ( XXXX days late- note true ) is reporting on XXXX XXXX XXXX AND XXXX monthly late payments on a mortgage they say i owe on account XXXX from XX/XX/XXXX. Carrington Mortgage purchased this mortgage from XXXX XXXX XXXX, WHEREIN XXXX XXXX XXXXXXXX WAS THE CORRECT MORTGAGE HOLDER FOR THIS PROPERTY. CARRINGTON PURCHASED THIS NOTE AND HAS NEVER HAD MY WRITTEN SIGNATURE WHEREIN I AGREED TO TRANSFER OR PURCHASE MY MORTGAGE FROM THEIR MORTGAGE COMPANY. WE HAD PREVIOUSLY SOLD THIS PROPERTY FROM XXXX AND XXXX XXXX BACK IN XX/XX/XXXX AND THE VIGILS WERE RESPONSILBE TO PURCHASE THIS PROPERTY AT XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. TO DATE, THE VIGILS HAVE NEVER PURCHASED THIS PROPERTY AND CARRINGTON MORTGAGE CONTINUES TO RUIN MY CREDIT BY REPORT MONTHLY PAYMENTS LATE OR NOT MADE TO THEIR COMPANY. WE HAVE NEVER PURCHASED OUR MORTGAGE FROM THEIR COMPANY AND HAVE NEVER SIGNED A DOCUMENTS THAT ARE LEGAL TITLES OR DOCUMENTS SAYING THAT WE PURCHASED A MORTGAGE WITH THEM ON XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE RESPONSIBLE FOR THE MORTGAGE PAYMENT NOT THE XXXX, XXXX AND XXXX XXXX. WE HAVE NEVER PURCHASED A MORTGAGE NOTE FROM CARRINGTON MORTGAGE AND THEY CONTINUE TO REPORT MONTHLY NEGATIVE REPORTS ON XXXX, XXXX AND XXXX NEGAVTIVE LATE ACTIVITY FOR XXXX XXXX XXXX XXXX and XXXX XXXX XXXX this information being reported to XXXX, XXXX and XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This is a follow-up to complaint ID # XXXX. 

We are resubmitting our complaint because the companys response did not address the harm caused by their unlawful collection activity. Columbia Debt Recovery LLC ( XXXX ) attempted to collect {$15000.00} on a debt that was already dismissed with prejudice by the XXXX XXXX XXXX XXXX. 

Their actions included : Continuing to pursue collections despite a court order Contacting both my spouse and me by phone and email Attempting to collect a debt that legally did not exist Creating emotional distress and reputational harm Their response of canceling the debt and requesting tradeline deletion does not resolve the actual damage caused by their violations of the FDCPA. We are now demanding a financial settlement in the amount of {$15000.00}, which matches the balance they attempted to collect unlawfully. We also believe this complaint warrants further investigation due to its implications for other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MicroBilt / PRBC (formerly CL Verify)
State: LA

Complaint narrative:
I am a victim of identity fraud and found some accounts in XX/XX/year> that were not my accounts. I disputed with the company but never got a response.

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 2025-03-28 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: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-28 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Equifax Experian Transunion Subject : Dispute and Demand for Compliance Violation of 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligence ) I am writing to formally dispute and bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ), regarding your negligence and non-compliance in handling my credit information.

Upon reviewing my credit report, I have identified inaccuracies and errors that have negatively impacted my creditworthiness due to your failure to comply with the required procedures under the FCRA. Despite my previous attempts to resolve this matter, you have failed to take reasonable steps to ensure the accuracy and fairness of my credit report, which constitutes negligence under federal law.

The specific violations include, but are not limited to : Failure to conduct a reasonable investigation upon my dispute, as required under 15 U.S.C. 1681i.

Failure to ensure the maximum possible accuracy of information as required under 15 U.S.C. 1681e ( b ).

Negligent inclusion of inaccurate or outdated information on my credit report, leading to financial harm and distress.

Failure to correct or delete inaccurate, incomplete, or unverifiable information as mandated by the FCRA.

As a result of these violations, I have suffered financial losses, credit denials, and emotional distress. Under 15 U.S.C. 1681 ( o ), you are civilly liable for damages resulting from your negligent non-compliance.

I demand the following corrective actions immediately : A full investigation into the disputed inaccuracies.

The immediate correction or removal of erroneous information.

A written confirmation of the resolution of this dispute.

Compensation for the damages caused by your negligence, as permitted under 15 U.S.C. 1681 ( o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Equifax Experian Transunion Subject : Dispute and Demand for Compliance Violation of 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligence ) I am writing to formally dispute and bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ), regarding your negligence and non-compliance in handling my credit information.

Upon reviewing my credit report, I have identified inaccuracies and errors that have negatively impacted my creditworthiness due to your failure to comply with the required procedures under the FCRA. Despite my previous attempts to resolve this matter, you have failed to take reasonable steps to ensure the accuracy and fairness of my credit report, which constitutes negligence under federal law.

The specific violations include, but are not limited to : Failure to conduct a reasonable investigation upon my dispute, as required under 15 U.S.C. 1681i.

Failure to ensure the maximum possible accuracy of information as required under 15 U.S.C. 1681e ( b ).

Negligent inclusion of inaccurate or outdated information on my credit report, leading to financial harm and distress.

Failure to correct or delete inaccurate, incomplete, or unverifiable information as mandated by the FCRA.

As a result of these violations, I have suffered financial losses, credit denials, and emotional distress. Under 15 U.S.C. 1681 ( o ), you are civilly liable for damages resulting from your negligent non-compliance.

I demand the following corrective actions immediately : A full investigation into the disputed inaccuracies.

The immediate correction or removal of erroneous information.

A written confirmation of the resolution of this dispute.

Compensation for the damages caused by your negligence, as permitted under 15 U.S.C. 1681 ( o ).

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-28 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:
In accordance with the FAIR CREDIT ACT, this creditor ( s ) has violated my rights. Under 15 U.S.C. 1681 sec. 602 states, " I have the right to Privacy. '' 15 U. S. C. 1681 sec 604 ( a ) sec. 2 states, " A consumer reporting agency can not furnish an account without my written instructions. '' Under U. S. C. 1666 ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

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 2025-03-28 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT ACT, this creditor ( s ) has violated my rights. Under 15 U.S.C. 1681 sec. 602 states, " I have the right to Privacy. '' 15 U. S. C. 1681 sec 604 ( a ) sec. 2 states, " A consumer reporting agency can not furnish an account without my written instructions. '' Under U. S. C. 1666 ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT ACT, this creditor ( s ) has violated my rights. Under 15 U.S.C. 1681 sec. 602 states, " I have the right to Privacy. '' 15 U. S. C. 1681 sec 604 ( a ) sec. 2 states, " A consumer reporting agency can not furnish an account without my written instructions. '' Under U. S. C. 1666 ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

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