vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Collector 's Name : XXXX  XXXX XXXX XXXX Date of Incident : XX/XX/year> Representative 's Name : XXXX XXXX of the Incident : On [ insert date ], I received a phone call from XXXX at XXXX XXXX XXXX XXXX regarding an alleged debt. During the conversation : I informed XXXX that I would be exercising my legal right under the Fair Debt Collection Practices Act ( FDCPA ) to request a debt validation letter via certified mail. 
XXXX repeatedly dismissed my request, stating that they had " already sent '' the validation letter and that my actions were merely delaying the process. 
He continued to pressure me into discussing payment options, despite my clear and repeated statements that I was exercising my right to request written validation. 
When I firmly reiterated that I would not provide any personal information and would be sending my validation request in writing, XXXX became rude, ended the call abruptly, and repeated the threat of legal action. 


Why This Is a Violation : Under the FDCPA, I have a clear right to request written validation of the debt within XXXX days of first contact, regardless of whether the collector claims to have previously sent it. 
Repeated pressure, threats of legal action, and rude behavior could constitute harassment and unfair collection practices under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-12-28 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian XXXX separate requests to update my address on my credit report. Despite these attempts, Experian has refused to update the address. Along with each request, I provided valid proof of residency, including documents confirming that I live at the address I am requesting to be updated. However, Experian continues to ignore my requests, leaving the issue unresolved.

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 2024-12-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

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 2024-12-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
As of XX/XX/year> I entered into an agreement to pay off a credit card account with CITIBANK for XXXX a month and the account was to be closed as part of this agreement. The account was closed and my first XXXX payment was paid XX/XX/XXXX. I have paid minimum of XXXX each month to date and other months I have paid in excess of XXXX payments set forth by Citibank. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Citibank has reported to the credit reporting agency that I missed XXXX payment. XXXX disputes were filed through XXXX. The first remained unchanged. The second dispute I sent proof of payments made and the negative report remained unchanged. They did however change the account status to closed starting in XXXX though the previous information they reported stated account was closed int XXXX XXXX closed date is correct per the patent arrangement agreement. 

They are refusing to remove the negative reporting despite the fact that I have given them proof of all payments made.

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 2024-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX  {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.

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 2024-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Complaint Regarding Denial of Credit Report Access by Experian and XXXX Dear CFPB, I am writing to formally file a complaint regarding the inability to obtain my credit report from both Experian and XXXX, despite my repeated and legitimate attempts to access this critical information. 

Background On several occasions, including XX/XX/year>, XX/XX/year>, and lastly XX/XX/year>, I attempted to request my free credit report as provided under the Fair Credit Reporting Act ( FCRA ). Unfortunately, both Experian and XXXX denied my requests without providing a clear explanation or guidance on how to resolve the issue. 

Steps Taken I have taken the following actions in an effort to resolve this matter : XXXX. Verified all personal information provided ( name, Social Security number, current address, etc. ) was accurate. 


XXXX. Attempted to contact Experian at ( XXXX ) XXXX and XXXX at ( XXXX ) XXXX to address the issue. 


XXXX. Attempted to provide proof of identity through [ online/mail/phone ] methods as requested by both bureaus. 


XXXX. Repeatedly submitted my request via [ online/mail/phone ] channels on XX/XX/year>, XX/XX/year>, and lastly XX/XX/year>. I also so tried going to Experian and XXXX home page website and and both Experian and XXXX denied me of my federal right to request and see my consumer report Despite these efforts, I have been denied access to my credit report without a valid explanation or resolution. 

Impact This denial has significantly impacted my ability to monitor my credit standing and take necessary actions to manage my financial health. As a consumer, I am entitled to one free credit report per year from each bureau, as well as additional reports under certain circumstances, as stated in the FCRA.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that Experian and XXXX provide me with access to my credit report. Additionally, I ask that the CFPB review the processes these bureaus use to handle consumer requests to ensure compliance with federal laws. 

Supporting Documents I have attached the following documents for your reference : XXXX. Copies of my correspondence with Experian and XXXX. 


XXXX. Proof of identity government-issued social security card XXXX. Any additional evidence of my attempts to obtain my credit report. 



Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I retired my FICO score was over XXXX. 6 years later it has gone down. Nothing has changed. I have no debt but for a couple of credit cards I pay off every month. I have not missed a payment. I do however, pay all my utility bills, without fail, every month. The company that helps identify the utility payments does no know of the bank I use to pay them so I can not get credit for that. 
I recently had notification about being involved in a security breach. I have tried to sign up for monitoring but can not satisfy Experien of my identity. consiquently my credit is not being monitered. 
I am dislexic, my comprehention is poor from reading, I see that the credit bureaus blame the creditors for my score lowering & the creditors blame the credit bureaus. 
Here is my problem. I canot find a way to reach a person to help with all my questions at Experien. There is NO access to a person and the AI answering service just tells me NO. I need to discuss my problems with someone who is willing & able to help me. Where do I go to find help? Why does such an important aspect of individual lives have no access to representatives or consultants. 
I NEED HELP TO REPAIR AND PROTECT MYSELF AND FAMILY. IT IS IMPORTANT.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data International alleges that I applied for an apartment and failed to pay an application fee. However, I informed them that this was not me and requested a fraud package to file a police report. Despite my request, they have not sent the package and are refusing to provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Moneylion is reporting inaccurate and misleading information and missing information on two of my loans i took out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been disputing the debt form XXXX XXXX XXXX XXXX XXXX XXXX XXXX since day 1. it should have never been included in my credit report. Now it's showing up twice. The credit bureaus will do nothing to help me.

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
Quality Collections Service and XXXX at XXXX XXXX is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later XXXX XXXX  called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.

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 2024-12-28 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: IL

Complaint narrative:
Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later XXXX XXXX  called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later XXXX XXXX  called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.

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