vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX XXXX Investments Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 

2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, XXXX of the entries is missing key details ( e.g., the " Agency Name '' is blank for XXXX account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly. 

3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 

4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to address multiple inaccuracies reported on my XXXX, XXXX, and Equifax credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, XXXX, XXXX, and Equifax have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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 am filing this complaint to address multiple inaccuracies reported on my XXXX, Experian, and XXXX credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, XXXX, Experian, and XXXX have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card account opened at ABSOLUTE RESOLUTIONS on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: IL

Complaint narrative:
I was defrauded by reps in regards to loans, forbearance, and repayments. Which negatively affected my credit reports and financial situations. To date I have repaid the loans, but not without hardship. I believe I am entitled to monetary rewards from this company due to unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN : XXXX RE : Account Number # n/a Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Internal Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 


Best Regards, ( 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 2024-12-01 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: CT

Complaint narrative:
It seems I am always I am always reaching out on XXXX, Equifax, and XXXX to update my credit report and display correct information and my credit score. I have paid off all my credit card accounts and use them at various times to keep active. I have paid off my car loan to XXXX and opened a new car loan through XXXX. 
XXXX XXXX and XXXX XXXX are constantly emailing daily to tell me my credit score can be better, however I pay everything off at the end of the month and that is not reflected in my credit score! 
This is not right that I am constantly reaching out to you to fix this. These credit bureau agencies should be held accountable. 
What can be done??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CT

Complaint narrative:
It seems I am always I am always reaching out on XXXX, XXXX, and Experian to update my credit report and display correct information and my credit score. I have paid off all my credit card accounts and use them at various times to keep active. I have paid off my car loan to XXXX and opened a new car loan through XXXX. 
Score sense and XXXX XXXX are constantly emailing daily to tell me my credit score can be better, however I pay everything off at the end of the month and that is not reflected in my credit score! 
This is not right that I am constantly reaching out to you to fix this. These credit bureau agencies should be held accountable. 
What can be done??

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management has not refunded me for the amount I had paid them previously and still has not given me the contact information to speak to someone who can help me with this. 
I paid {$1200.00} towards a debt that was due to identity theft and never received the check for it and the company has still not refunded me or sent me the check for it. I am owed a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX : Request for Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/2024, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within XXXX  days of receipt of this letter. If this account is not deleted from your records within XXXX  days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the XXXX window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

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 non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within XXXX days of receipt of this letter. If this account is not deleted from your records within XXXX  days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the XXXX window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IN

Complaint narrative:
As Federal protected consumer I am being violated by XXXX, XXXX, Equifax to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX *XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Acct : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IN

Complaint narrative:
As XXXX protected consumer I am being violated by Experian, XXXX, XXXX to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy 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 non-monetary relief
Consumer complaint received 2024-11-30 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: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, Trans Union LLC XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at ABSOLUTE RESOLUTIONS INV on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. IF COLLECTION AGENCY CAN NOT PROVIDE PROOF OF PROMISSORY NOTE, ORIGINAL CONTRACT AND PROOF OF XXXX WET INK SIGNATURES, THIS FRAUDULENT DEBT MUST BE REMOVED. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-12-01 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-11-30 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: MO

Complaint narrative:
Account listed on my report does not belong to me. It belongs to my ex-spouse.

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 2024-11-30 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: MO

Complaint narrative:
Account listed on my report does not belong to me. It belongs to my ex-spouse.

Company response to consumer: Closed with non-monetary relief