vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: AR

Complaint narrative:
******BILLING CODE : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau XXXX 
ACTION : Final rule. 
SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 


PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with Experian, XXXX, and XXXX. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against Experian and XXXX for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have on multiple occasions contacted this company in regards to alleged debts they are negatively reporting on my consumer credit report. I have advised I am not liable for these alleged debts and have been the victim of identity theft. This information has also been communicated with the corresponding companies providing the alleged information. I have asked that these accounts be verified by providing the forward flow agreements in addition to original contracts yielding my wet signature. Neither this consumer credit reporting agency nor corresponding companies have been able to properly validate these alleged debts as belonging to me nor have they been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against this consumer reporting agency further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 systematic issues such as failing to forward consumer-provided evidence to furnishes, 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX. 

According to my records, this account was sold by XXXX XXXX to a debt collection agency. Despite this transfer, XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX XXXX is incorrect because the debt was sold to another entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account only reports to transition and I am not aware of this account.

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 2025-01-26 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: NJ

Complaint narrative:
I am filing a compiaint against XXXX Experian XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX Experian XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX Experian XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX Experian XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
due to the recent data breaches, I've come to realize that there are accounts out there in my name that I have no idea about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

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. For account, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX 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 I 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
My application was denied by XXXX XXXX XXXX, 15 U.S.C.1691 its unlawful to discriminate in any aspect against anyone who exercised Their Right in Good Faith. Credit is the right Granted under title 1602 ( f ). XXXX is however in Partnership with XXXX XXXX, 15 U.S.C. 1666b if there is a balance of credit or insurance of the Account in connection to a Consumer Credit Transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit. The amount can not be known without knowing the journal and ledger, entries of the account from the date of account opening as described in Publication IRS 583, XXXX is in fact a debt collector. 18 U.S.C. 894 ( a ) ( 1 ) ( 2 ) collections of extensions of credit by extortionate means. If XXXX can not provide me the Information Im required to have, Please Remove from My Consumer Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
A debt is incorrectly reported on our credit report. Please see the previous statement and attachments for details. Thank you.

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 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
They are taking almost XXXX dollars every two weeks. Im having a hard time trying to pay it back. I really needed the money for a bill. I can pay once a month but never every two week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute an account appearing on my credit report, as it has been paid in full and should not be reported as an outstanding debt. The account in question is : XXXX XXXX : Credit Resource Management Account Number : [ Unsure ] Date of Final Payment : XXXX Pursuant to 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without the consumers consent, except as permitted by law. Given that this account was paid in full, any continued reporting of negative or inaccurate information constitutes an unfair and unauthorized disclosure. 

I request that you immediately investigate and remove this account from my credit report due to this payment made to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Please confirm in writing that this matter has been resolved, and that the inaccurate information has been deleted from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

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 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 2025-01-26 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: OH

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : 1. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


2. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


3. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., XXXX, XXXX, and TransUnion ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter serves as formal notice of my intent to dispute the accuracy and completeness of these unfamiliar entries currently reported under my name in your credit database.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g I requested a copy of the original agreement and a validation of the debt owed. I have no written agreement with LVNV Funding for the alleged debt owed. I also requested proof that the statute of limitations has not expired. Therefore I am requesting that this debt be removed from my credit report immediately.

Company response to consumer: Closed with explanation