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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX, Equifax 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 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear : XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matte

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear : XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matte

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally address an ongoing issue regarding a debt that was previously resolved but has not been appropriately reflected on my credit report. 

Several years ago, my account with XXXX XXXX was closed after we transitioned to another carrier. During this transition, I attempted to pay the final bill in person at a XXXX store ; however, due to no longer being an active customer, I was unable to complete the payment at the store. When I called XXXX 's customer service to settle the debt, I was unable to do so because I no longer had a customer number, and unfortunately, the issue was not resolved at that time. 

Subsequently, I was unaware that Jefferson Capital had taken over the debt until I noticed a derogatory on my credit report. However, due to a possible oversight or misdirection ( potentially due to spam filters ), I did not receive any prior notices from Jefferson Capital, nor can I recall any direct calls from them regarding the debt. Once I was aware of the situation, I took immediate steps to resolve the debt with Jefferson Capital. I was pleased to resolve the matter, and the balance was paid in full. 

Despite the debt being settled, I have not received a " Pay for Delete '' letter or any written confirmation indicating that the debt was paid in full, as I requested. Additionally, I have checked my credit report, and the account still appears as unresolved, even though it was paid off weeks ago. 

As we are in the process of applying for a home loan, this unresolved collection is causing significant issues with the loan process. The lender has expressed concern over the unresolved status of the account, which has led to delays. This has made it difficult for me to move forward with my mortgage application.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 607 ( b ) Information must be accurate and complete.

Violation of FCRA 611 ( a ) ( 1 ) ( A ) Right to dispute and reinvestigate inaccuracies. 
This account reflects XXXX instances of XXXX late payments and XXXX of XXXX lates on a XXXX educational loan, which is mathematically impossible and factually inaccurate. 
The account is closed, current, and with a {$0.00} balance, yet continues to reflect highly derogatory late payment history. 
Additionally, it includes the statement " Dispute resolved ; customer disagrees '' without documentation or verification of accuracy. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 623 ( b ) ( 1 ) ( D ) Duty to delete or modify information that is incomplete or inaccurate after notice of dispute.

Violation of FCRA 611 ( a ) ( 5 ) ( A ) Failure to properly reinvestigate or delete unverifiable data. 
This account is in charge-off status and shows inconsistent data : Duplicate entries for the same loan. 
Conflicting last activity/payment dates ( XXXX vs. XXXX ). 
Multiple XXXX instances of XXXX and XXXX late payments, which is excessive and likely inaccurate. 

Also marked as " Consumer disputes reinvestigation in progress, '' which should halt negative reporting until fully resolved ( FCRA 611 ( a ) ( 1 ) ). 

XXXX. XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 602 ( A ) & 607 ( b ) Ensuring maximum possible accuracy.

Violation of FCRA 611 & 623 ( b ) Inaccurate information must be corrected or removed if it can not be verified. 
This account appears multiple times with slight variations in dates and payment histories, creating a duplicated negative impact. 
Status : Charged off, shows resolved dispute but continues to reflect derogatory marks and multiple inconsistent late payments. 
Inconsistencies : Different last activity and payment dates. 
Different credit limits and high balances. 
Repetitive derogatory 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 non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 607 ( b ) Information must be accurate and complete.

Violation of FCRA 611 ( a ) ( 1 ) ( A ) Right to dispute and reinvestigate inaccuracies. 
This account reflects XXXX instances of XXXX late payments and XXXX of XXXX lates on a XXXX educational loan, which is mathematically impossible and factually inaccurate. 
The account is closed, current, and with a {$0.00} balance, yet continues to reflect highly derogatory late payment history. 
Additionally, it includes the statement " Dispute resolved ; customer disagrees '' without documentation or verification of accuracy. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 623 ( b ) ( 1 ) ( D ) Duty to delete or modify information that is incomplete or inaccurate after notice of dispute.

Violation of FCRA 611 ( a ) ( 5 ) ( A ) Failure to properly reinvestigate or delete unverifiable data. 
This account is in charge-off status and shows inconsistent data : Duplicate entries for the same loan. 
Conflicting last activity/payment dates ( XXXX vs. XXXX ). 
Multiple XXXX instances of XXXX and XXXX late payments, which is excessive and likely inaccurate. 

Also marked as " Consumer disputes reinvestigation in progress, '' which should halt negative reporting until fully resolved ( FCRA 611 ( a ) ( 1 ) ). 

XXXX. XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 602 ( A ) & 607 ( b ) Ensuring maximum possible accuracy.

Violation of FCRA 611 & 623 ( b ) Inaccurate information must be corrected or removed if it can not be verified. 
This account appears multiple times with slight variations in dates and payment histories, creating a duplicated negative impact. 
Status : Charged off, shows resolved dispute but continues to reflect derogatory marks and multiple inconsistent late payments. 
Inconsistencies : Different last activity and payment dates. 
Different credit limits and high balances. 
Repetitive derogatory reporting.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute to National Recovery Agency regarding a medical collection account appearing on my credit reports. In this letter, I demanded : 1. Immediate deletion of the account from all consumer credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) rules regarding medical debt reporting.

2. Written validation and confirmation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

As of today, National Recovery Agency has failed to respond or validate the debt. Despite this, the account remains on my credit reports, harming my credit standing and violating federal regulations. 


According to the updated CFPB guidance, medical debts should no longer be reported on consumer credit files. Furthermore, reporting unverified debt is a direct violation of the FCRA and FDCPA.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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!

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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