vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX regarding their failure to remove an account from my credit report, as they had agreed. 

The account in question begins with XXXX. XXXX XXXX and I reached a resolution in which I agreed to, and did, pay the account in full. As part of this agreement, XXXX XXXX committed to removing the account from all three major credit reporting agencies ( Equifax, XXXX XXXX XXXX XXXX  XXXX Despite fulfilling my end of the agreement, this account remains on my credit report, which constitutes a clear violation of our arrangement. 

I have attempted to contact XXXX XXXX multiple times to request that they honor the agreement and remove the tradeline, but they have failed to do so. Their continued reporting of this account is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section ates : no consumer reporting agency may make any consumer report containing any of the following items formation Any other adverse item of information, other than records of convictions of crimes which antedates the repo by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 information is inaccurate. 
Company did not respond within 30 days. Failed to investigate. 
The accounts below have violated my rights. 

Please delete the accounts below : 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 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 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 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've complained about procollect and this false debt. They are continuing to harras me and call me well before XXXX. Today it started before 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My XXXX XXXX account was hacked somehow. I had multiple credit cards open on my name, I never receive them. Accounts were closed on XXXX XXXX after I disputed them. Now I have debt XXXX on my account yet I never received a letter. Please help close this accounts. XXXX can't fix this problem. I called before and said I want to use my email " XXXX '' I can't login to my old email " XXXX '' this email was stolen over 10 years. I tried XXXX time in the past to recover it, but was no chance. I add my new email " XXXX '' to XXXX XXXX at least XXXX years but I can't use it as log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I moved to my new property which is not on any governmental program. My previous landlord and property were with the XXXX XXXX XXXX  under HUD. I rented there roughly XXXX years. In the latter part of my stay there I had several failed inspections which the housing inspector found the landlord to be responsible. This was during the time of XXXX so many rules were not held by both the landlord and XXXX ( XXXX XXXX XXXX XXXX ). Normally when a landlord on this program doesn't abide to the contract or rules any payments given by HUD will go into abatement until the unit is brought up to standard and code. The landlord never brought it up so the part of rent that HUD paid went into abatement. I was required to still pay my part. I never missed rent. The landlord never fixed anything on the list found by housing inspectors so they never took their payment to the property out of abatement. 

Eventually XXXX informed me I could move or make a new agreement with the landlord if I choose to stay at the property. I decided to move since they never fixed anything. I moved and got off the program and XXXX months later received a letter from a debt collector saying I owed {$1100.00} in back rent plus a {$100.00} late fee. The letter is grossly inaccurate. It even has my move out date incorrect. I replied back to the company stating I disagreed and explained to them why and requested a debt verification letter. The sent me the same debt collection letter without any verifying information. I explained to them that this isn't sufficient and doesn't prove any month I owed or anything then they immediately sent it to the credit bureaus. I recently checked my credit score and it shows a new date from this collector as of XXXX this year. I haven't had any further communication from them since XXXX when I attempted to get help from the BBB. I also filed disputes with XXXX  and XXXX  which did not help since they confirmed I lived at the address but it still doesn't validate I owed the debt. 

The company is based in XXXX  It is the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX ACCOUNT ENDING IN " XXXX '' To : XXXX XXXX XXXX XXXX Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX RE : NOTICE OF INTENT TO PURSUE LEGAL ACTION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This letter serves as a formal notice of your violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) due to your inaccurate and damaging credit reporting practices. Specifically, XXXX XXXX XXXX XXXX has erroneously reported my XX/XX/XXXX auto loan payment as XXXX late to the major credit reporting agencies, despite this payment not being delinquent. 
On XX/XX/XXXX, I contacted your XXXX XXXX Department and spoke with a representative identified as XXXX or XXXX. During our conversation, I was assured that your records do not show the XX/XX/XXXX payment as 30-days late. I was also informed that upon providing proof of the erroneous reporting, corrective action would be taken. I promptly provided documentation from the credit bureaus reflecting the false late payment via email on the same day. 
Despite this, your institution has failed to correct the inaccuracy. This false reporting has had a direct and adverse impact on my creditworthiness, including denial of credit card applications and refinancing optionseffectively interfering with my ability to secure better loan terms and interest rates. 
It is my belief that this false reporting is not only negligent but also intentional, with the aim of preventing me from refinancing my auto loan with another lender at more favorable terms, which is a direct violation of my rights under the FCRA. 
You have 30 days from the date of this letter to : Remove the inaccurate late payment for XX/XX/XXXX from all credit reporting agencies. 

Provide written confirmation of the correction. 

Cease and desist from reporting this payment as delinquent in the future. 

Failure to take immediate corrective action will result in legal proceedings against XXXX XXXX XXXX XXXX, where I will seek all available remedies including but not limited to actual damages, statutory damages, attorneys fees, and punitive damages as permitted under the FCRA. 

This letter is sent in good faith to give your institution an opportunity to rectify this matter before further legal action is initiated. Please govern yourselves accordingly. 
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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, unverifiable, and defamatory information being reported on my credit report. 

I have discovered that XXXX XXXX XXXXXXXX is furnishing inaccurate and inconsistent data to the credit reporting agencies regarding an account that either does not belong to me or has not been validated according to FCRA requirements. Specifically : Inaccurate and Unverified Information The account in question contains false details including erroneous payment history, balance, and/or status that do not reflect any legitimate debt obligation. XXXX XXXX XXXX  has failed to provide documentation validating the accuracy or existence of this account, despite my formal disputes. 
Inconsistent Reporting Across Credit Bureaus The account is being reported differently across XXXX XXXX, and TransUnion, with discrepancies in dates, balances, and account statusraising major concerns about the credibility of the data. 
Failure to Investigate Disputes I have submitted multiple disputes regarding this information, yet XXXX XXXX  XXXX and the credit bureaus have failed to conduct a reasonable investigation or correct the record as mandated by FCRA Section 611 ( 15 U.S.C. 1681i ).

These violations are not only unlawful but have directly impacted my credit standing and personal reputation, rising to the level of defamation of character. The willful and/or negligent noncompliance by XXXX XXXX XXXXXXXX and the CRAs entitles me to relief under Sections 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) of the 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 non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, unverifiable, and defamatory information being reported on my credit report. 

I have discovered that XXXX XXXX XXXXXXXX is furnishing inaccurate and inconsistent data to the credit reporting agencies regarding an account that either does not belong to me or has not been validated according to FCRA requirements. Specifically : Inaccurate and Unverified Information The account in question contains false details including erroneous payment history, balance, and/or status that do not reflect any legitimate debt obligation. XXXX XXXX XXXXXXXX has failed to provide documentation validating the accuracy or existence of this account, despite my formal disputes. 
Inconsistent Reporting Across Credit Bureaus The account is being reported differently across XXXX, Experian, and XXXX, with discrepancies in dates, balances, and account statusraising major concerns about the credibility of the data. 
Failure to Investigate Disputes I have submitted multiple disputes regarding this information, yet XXXX XXXX XXXXXXXX and the credit bureaus have failed to conduct a reasonable investigation or correct the record as mandated by FCRA Section 611 ( 15 U.S.C. 1681i ).

These violations are not only unlawful but have directly impacted my credit standing and personal reputation, rising to the level of defamation of character. The willful and/or negligent noncompliance by XXXX XXXX XXXXXXXX and the CRAs entitles me to relief under Sections 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) of the 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 2025-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, unverifiable, and defamatory information being reported on my credit report. 

I have discovered that XXXX XXXX XXXXXXXX is furnishing inaccurate and inconsistent data to the credit reporting agencies regarding an account that either does not belong to me or has not been validated according to FCRA requirements. Specifically : Inaccurate and Unverified Information The account in question contains false details including erroneous payment history, balance, and/or status that do not reflect any legitimate debt obligation. XXXX XXXX XXXX has failed to provide documentation validating the accuracy or existence of this account, despite my formal disputes. 
Inconsistent Reporting Across Credit Bureaus The account is being reported differently across Equifax, XXXX and XXXX with discrepancies in dates, balances, and account statusraising major concerns about the credibility of the data. 
Failure to Investigate Disputes I have submitted multiple disputes regarding this information, yet XXXX XXXXXXXX XXXX and the credit bureaus have failed to conduct a reasonable investigation or correct the record as mandated by FCRA Section 611 ( 15 U.S.C. 1681i ).

These violations are not only unlawful but have directly impacted my credit standing and personal reputation, rising to the level of defamation of character. The willful and/or negligent noncompliance by XXXX XXXX XXXXXXXX and the CRAs entitles me to relief under Sections 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer complaint narrative Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a 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 information is inaccurate. 
The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. 


Inquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax

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 2025-04-30 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: AZ

Complaint narrative:
3 Accounts were opened with XXXX XXXX XXXX that I did not open. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The collections company called me in XX/XX/XXXX, but I had no knowledge of the accounts.

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 2025-04-30 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: AZ

Complaint narrative:
3 Accounts were opened with XXXX XXXX  XXXX that I did not open. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The collections company called me in XX/XX/XXXX, but I had no knowledge of the accounts.

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 2025-04-29 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: LA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-04-29 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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