vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding multiple, serious violations of the Fair Credit Reporting Act ( FCRA ) and potential IRS fraud involving four collection accounts currently appearing on my credit profile.

Over a year ago, I successfully disputed these same accounts and they were previously removed from my credit reportsacknowledged as illegitimate and without merit. Despite this, they have now mysteriously reappeared without new documentation or legal grounds, which is in direct violation of FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ], which prohibits the reappearance of previously deleted information unless the furnisher certifies its accuracy and notifies the consumer in writing.

Additionally, the credit bureaus have failed to respond properly to my most recent certified dispute letters. I have received no proof of a wet-ink signature or original contract, nor any detailed explanation of the investigation process as required by FCRA 611 [ 15 U.S. Code 1681i ]. This failure to properly investigate and verify disputed information is a clear breach of my rights.

To make matters worse, the debts have been re-aged, with the Date of First Delinquency ( DOFD ) reset in an attempt to illegally extend the reporting period. This violates FCRA 605 ( c ) [ 15 U.S. Code 1681c ], which prohibits re-aging and mandates that negative information must fall off seven years from the original delinquency date.

In addition : The amounts reported are inaccurate.

I have requested mail-only communication, yet I continue to receive harassing phone calls, in violation of FDCPA 805 ( c ) [ 15 U.S. Code 1692c ].

There has been no transparency from any of the three major credit bureaus when asked about their investigation procedures or why I am not being heard.

Furthermore, these accounts appear to have been charged off by the original creditors. Under IRS regulations, any cancellation of debt over {$600.00} should result in a Form 1099-C being issued to the consumer. If the debt has been written off and claimed as a tax loss while still being collected on, that is potential IRS fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is an urgent and time-sensitive notice regarding a fraudulent or unverified collection account being reported against me. 

I have no contract or signed agreement with the collection company XXXX XXXX XXXX XXXX XXXX ) currently furnishing this debt to credit bureaus and rental screening systems. They have no legal standing, no proper assignment documentation, and no signed proof that I owe them. 

I have repeatedly disputed this item. Rather than properly investigate, the credit bureaus and rent screening agencies have continued to side with the collector, allowing this false information to remaineven though the only documentation provided is a contract with the original creditor, which does not authorize the collector to report or collect. 
Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, this is a violation. Verification requires a full reinvestigation and proof of current legal ownership of the debtnot just a copy of an old lease.

This account is causing active harm by blocking access to housing, delaying life progress, and continuing emotional and financial damage. 

I am giving your office and all involved parties XXXX hours to remove this account from my credit reports and rental screening systems, or I will immediately : File formal complaints with the Texas Attorney General Report this to HUD Fair Housing for rental discrimination based on incorrect data Pursue legal action for damages caused by false verification This is your final and legal warning. 

You have 24 hours from this notice to delete this account or provide direct proof that the current collector legally owns this debt with full rights to collect and report it. 

I do not authorize this reporting. I do not owe this company. You are out of compliance. 

Full deletion is required 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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX- Balance : {$100.00} - Account # : XXXX XXXX- Balance : $ - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX CO - Balance : {$36000.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$32000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX- Balance : {$100.00} - Account # : XXXX XXXX- Balance : $ - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX CO - Balance : {$36000.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$32000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report it has come to my attention that your office has again violated my privacy. 15 U.S.C 1681 Section 602a 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: KS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are they accounts I marked as inaccurate : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-09 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: IL

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-09 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: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
On or about XX/XX/year>. I was checking my credit score on the XXXX XXXX platform. I was solicited by a vendor named Autopay with the possibility of refinance rates as low as 2.5 % without affecting my credit score. Without the need for this service, but with the potential for savings combined with the claim that I could See rates in seconds without affecting your credit score, I thought, what do I have to lose.

I was subsequently met with TWO hard inquiries on my report. I called to attempt to resolve this dispute with AUTOPAY, XXXX XXXX to no avail. AUTOPAYs customer service was terrible, rude and they refused to help. XXXX XXXX directed me to dispute with AUTOPAY. I have screenshots of this AUTOPAYs deceptive claims that there would not be an impact to my credit report. I spoke with supervisor XXXX at AUTOPAY who refused to help or provide an inquiry dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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 2025-04-09 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: GA

Complaint narrative:
Permanently Delete & Remove XXXXXXXX XXXX XXXX account from my file due to this account balance, history and type of loan inaccuracy ; as well as, this account has been reporting negative information on this same account more than 7 years!!! This account is a private loan but for more than 7 years reported to the credit bureaus that it was a Federal Funded Student Loan when in fact it never was. The balance is {$4500.00} not XXXX XXXX ; also lender and changed lenders continue reporting this account since XXXX ; then again under a different name now since XXXX ; then again more recently under XXXX XXXX XXXX!! This has to STOP, NOW, ASAP, THIS DAY!!!! 

This is ILLEGAL, CRIMINAL & WRONG!!!

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 2025-04-09 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: GA

Complaint narrative:
Permanently Delete & Remove XXXXXXXX XXXX XXXX account from my file due to this account balance, history and type of loan inaccuracy ; as well as, this account has been reporting negative information on this same account more than 7 years!!! This account is a private loan but for more than 7 years reported to the credit bureaus that it was a Federal Funded Student Loan when in fact it never was. The balance is {$4500.00} not XXXX XXXX ; also lender and changed lenders continue reporting this account since XXXX ; then again under a different name now since XXXX ; then again more recently under XXXX XXXX XXXX!! This has to STOP, NOW, ASAP, THIS DAY!!!! 

This is ILLEGAL, CRIMINAL & WRONG!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am writing to formally submit a complaint against United Collection Bureau , Inc. for their unethical and harassing debt collection practices concerning my account.

I have experienced multiple instances of harassment from this company that I believe violate the Fair Debt Collection Practices Act. Specifically : 1. Harassment of Family Members : United Collection Bureau

, Inc. has been calling my family members and leaving voicemails in an attempt to reach me. This practice is not only inappropriate but has caused unnecessary stress to my family. 2. Unprofessional Conduct at My Workplace : I have received calls at my job from representatives claiming they needed me to come outside to be served. This behavior is unprofessional and has caused significant distress and embarrassment.

3. Denial of Information : When I attempted to request more information regarding the debt in question during a phone call, the representative was uncooperative and denied providing me with the necessary details. This lack of transparency is concerning and does not align with legal debt collection practices. 

I request that you investigate these matters and take appropriate action against United Collection Bureau , Inc. to prevent further harassment. I also ask that you provide guidance on how to protect myself from these actions moving forward.

I have kept all voicemails and time stamps of calls for my record. I have contact my local courts to see if I had an open lawsuit after being called for 3 days saying that I was being served. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM 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 non-monetary relief
Consumer complaint received 2025-04-09 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: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I believe my loan companies are charging me higher rates than what Georgia allows. It seem like I'm paying back twice the amount that I owe to them. Plus I found out recently that they are doing hard inquiries on my credit report without my consent. This is caused my credit report to come down by XXXX points. This is against the law and I really need help in making them pay for what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I believe my loan companies are charging me higher rates than what Georgia allows. It seem like I'm paying back twice the amount that I owe to them. Plus I found out recently that they are doing hard inquiries on my credit report without my consent. This is caused my credit report to come down by XXXX points. This is against the law and I really need help in making them pay for what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection ( XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00}

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