vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am writing to formally dispute an account listed on my credit report under the collection account XXXX XXXX. According to my records, this account does not accurately reflect the details of the debt and may be reported in error. I am requesting that you investigate this account, as I believe it is not valid or otherwise inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt, and I kindly ask that you provide : The name of the original creditor. A copy of the original signed agreement or contract for the debt. Evidence that this debt belongs to me. A breakdown of any balances, charges, or fees included in the collection amount. If you are unable to verify this account or provide the requested documentation, I ask that it be removed from my credit report. Please send me written confirmation of your investigation findings, and if this account is found to be inaccurate or unverifiable, kindly ensure its removal from my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Upon reviewing my XXXX credit report, I noticed billing errors under 15 U.S. Code 1666 ( b ).

Under the FCRA, creditors must provide at least 21 days ' notice before reporting a late payment. I did not receive this notice and request hard evidence from the creditors bank account proving I missed the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit Management calls me multiple times a day, daily, from varying anonymous numbers so that I am unable to block them. It starts in the morning and ends at night. Its all day. Ive had to set my phone to mute callers that arent my contacts, with severely cripples my ability to answer important phone calls for job interviews or potential contracts ( ironically, because I need a job to pay off this exorbitant amount of debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-29 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), which have caused severe personal, financial, and emotional harm. XXXX reckless disregard for federal law has resulted in devastating consequences, including housing instability, financial hardship, and a significant decline in my health as a XXXX  veteran. 

XXXX has repeatedly and knowingly reported false and unverified debts from XXXX and RentDebt on my credit report. Despite RentDebt explicitly returning the debt as unvalidated, XXXX continued to report this inaccurate information without proper verification. This blatant violation of FCRA requirements has had catastrophic effects on my life. 

The consequences of XXXX negligence are profound. Their false reporting was used to justify an illegal eviction, which directly resulted in my homelessness. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the stress and instability caused by this situation have exacerbated my health conditions, making it increasingly difficult to manage my daily life. Furthermore, the unauthorized debt has severely damaged my credit score, creating insurmountable barriers to securing stable housing, employment, and other critical financial opportunities. 

When I disputed these inaccurate entries, XXXX failed to conduct a proper investigation as mandated by FCRA ( 15 U.S.C. 1681i ). Their actions constitute multiple violations of federal law, including : 1. Failure to ensure accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ) 2. Inadequate investigation of disputes ( 15 U.S.C. 1681s-2 ( b ) ) 3. Continued reporting of disputed information without verification ( 15 U.S.C. 1681i ) To rectify this situation, I respectfully request the following : 1. Immediate removal of all unverified and inaccurate debts from my credit file. 

XXXX. Statutory and punitive damages for XXXX  willful noncompliance with FCRA requirements and the harm caused by their actions. 

XXXX. Written confirmation that my credit record has been corrected and is fully compliant with FCRA standards. 

Given the irreparable harm I have endured including homelessness, financial ruin, and a decline in my physical and mental healthI urge the CFPB to take immediate action to hold XXXX accountable and enforce compliance with federal law. Your prompt attention to this matter is critical to preventing further damage and ensuring justice is served. 

Thank you for your time and assistance. I look forward to your swift response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
These Accounts And Inquiries are incorrect, since i do not recognize them, please investigate them and delete them 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 2025-01-29 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: NJ

Complaint narrative:
On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here.

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy.

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here. 

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy. 

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise.

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 U S C 1681 I have the right to accurate information being put onto my credit report governances access to consumer credit report records and promotes accuracy and fairness and the privacy a personal information the account is not accurate. The account is not mine and it is against 15 USC 1681 to report missed or late payments collections on my credit report please remove right away. My information was also stolen in a data breach with XXXX and XXXX. Please remove off of my Trans Union report. I have also filed a police report and complaint with FTC.

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 2025-01-29 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:
Formal Complaint Against XXXX XXXX XXXX for FCRA Violations I am filing this formal complaint against I Think Financial and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information on my credit profile. 

The accounts in question are Account Number XXXX and XXXX, which currently shows a highest balance of {$3500.00} and {$26000.00}, each one, respectively, were last updated in XX/XX/year> with a status of Discharged through Bankruptcy XXXX  XXXX and Never Late. Despite this, the account remains on my credit report, negatively impacting my ability to secure financing for a vehicle or home. 

Violations of the FCRA & Consumer Laws : Incorrect Reporting of Balance ( FCRA 1681s-2 ) These account still reflects a balance of {$3500.00} and {$26000.00} despite being discharged in XXXX  XXXX Bankruptcy. Per FCRA and bankruptcy discharge laws, a XXXX account must report a {$0.00} balance. 
Obsolete Information ( FCRA 1681c ( a ) ( 1 ) ) Negative accounts can only remain for 7 years from the Date of First Delinquency ( DOFD ). If this account exceeds that timeframe, it must be removed immediately. 
Failure to Report Accurate & Up-to-Date Information ( FCRA 1681e ( b ), 1681s-2 ( a ) ) The last update was in XX/XX/year>, which indicates failure to properly report the bankruptcy discharge status and correct the balance to {$0.00}. 
Misleading & Unverifiable Information ( FCRA 611, 1681i ) The account status states Never Late while still negatively impacting my credit report. This is misleading and violates the accuracy requirements under the FCRA.

If the furnisher can not provide complete and verifiable proof of the accuracy of this reporting, the account must be deleted immediately. 

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 2025-01-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX {$1300.00} 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between XXXX and the three credit bureaus, medical charges are reported on my credit report.

According to you, the Consumer Financial Protection Bureau medical bills are no longer included in the United States credit reports. You finalized this rule, the Consumer Financial Protection Bureau ( CFPB ). 
I disputed the issue with all three credit bureaus but did not prevail. I then called XXXX, but I did not prevail. 
XXXX : XXXX XXXX recommended that the credit card be used to pay off the balance for my dental procedure. The document I am submitting is the receipt for the dental services ; the letterhead XXXX XXXX XXXX and the charge is to XXXX. 

Please, note that the XXXX XXXX according to their advertising and website is for various medical services. I am speciflying these details because XXXX tried to tell me they are just a credit card.

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 2025-01-29 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: PA

Complaint narrative:
Between XXXX and the three credit bureaus, medical charges are reported on my credit report.

According to you, the Consumer Financial Protection Bureau medical bills are no longer included in the United States credit reports. You finalized this rule, the Consumer Financial Protection Bureau ( CFPB ). 
I disputed the issue with all three credit bureaus but did not prevail. I then called XXXX, but I did not prevail. 
XXXX : XXXX XXXX recommended that the credit card be used to pay off the balance for my dental procedure. The document I am submitting is the receipt for the dental services ; the letterhead XXXX XXXX XXXX and the charge is to XXXX. 

Please, note that the XXXX XXXX according to their advertising and website is for various medical services. I am speciflying these details because XXXX tried to tell me they are just a credit card.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2025-01-29 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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