vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Request an itemized contract that would display myself agreeing to the contract and its terms. With a signature. The company did not provide me and information that showed i signed and agreed to do business with this company. XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit file, as it pertains to the account listed below. The discrepancies violate the Fair Credit Reporting Act ( FCRA ), the Consumer Data Industry Association ( CDIA ) reporting guidelines, and Metro 2 data formatting standards for credit reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following XXXX inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
I have no idea about this credit card I called to try and have this resolved they told me thats not possible wouldnt speak further about it I know of no XXXX dollar credit card received from them or ever being aware of it it hasnt been on my credit report as a late payment anything until now and when I go to fix the issue its they dont have the information this isnt right

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 2025-01-12 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion RE : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) XXXX, Passed by XXXX and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section XXXX021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). 

I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be UPDATED to as Pays or Paid as AGREED. 
Account Name + Account Number Late Payment reported on ( Month and Year ). Please update the account as Paid/Current The late payments were reported during the COVID PANDEMIC and XXXX Passed a law on XXXX XXXX Stating creditors should not report any late payments. The law states the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) XXXX, Passed by XXXX and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section XXXX of the XXXX XXXX amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). Now a furnisher of data to the consumer reporting agencies that allows its customer to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, Unless the account was delinquent before COVID-19 related deferral or modification, are retroactive to XX/XX/XXXX and do not apply to charge-off accounts. 

Please reverse the late payments on XXXX, XXXX and XX/XX/XXXX as its a direct Violation of the Coronavirus Aid, Relief, and Economic Security Act. Additionally, I have never been late on The afore mentioned accounts these errors ( I found and uploaded capital XXXX statement showing account was paid in full on XX/XX/XXXX, are the result processing issues during the pandemic. 

Thanks for your time and Correcting these reporting errors

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accurate information on my credit report like loan and payment History No mind still reporting on my Credit file Im asking it be move immediately I have Dispute this account several time the credit.bureau Never verified these account was mind I feel like these companies in violation according to the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accurate information on my credit report like loan and payment History No mind still reporting on my Credit file Im asking it be move immediately I have Dispute this account several time the credit.bureau Never verified these account was mind I feel like these companies in violation according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed XXXX XXXX XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>2024. I explained that I was NOT living in the United States XX/XX/year>2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed XXXX XXXX XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XXXX XXXX 2024. I explained that I was NOT living in the United States XXXX XXXX 2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.

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 2025-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX/XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! XXXX XXXX is showing XXXX missed payments/late payments via XXXX ( XXXX XXXX, XXXX ) while XXXX XXXX is showing XXXX missed payments/late payments via EQUIFAX ( XXXX, XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed XXXX XXXX  XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>2024. I explained that I was NOT living in the United States XX/XX/year>2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.

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 2025-01-13 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: IL

Complaint narrative:
My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity and domestic XXXX. 

Please delete XXXX XXXX Pl XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I had XXXX mortgage as my mortgage company. I called them due to a XXXX related issue. they had offered that they were at the very end of the federal program for XXXX related deferment. My sister who is a cosigner on my mortgage didnt have to sign anything or do anything nor did I. all of my communication with XXXX Mortgage was paperless and available on my XXXX Mortgage app. apparently, XXXX Mortgage closed. I was not notified. I was also not notified that they sold my mortgage to a company that I just found out is called XXXX. XXXX never contacted me. I now understand why when I would try to contact XXXX I was not able to. suddenly I got notification from a company called SPS  that they are my mortgage provider. They immediately started leaving notices on my door that I am delinquent on payments. I have never been delinquent on any payments. I continued my regular payments within the deferment timeframe. When I called and explained the situation to them and that I was on a federal program for XXXX deferment, they did not open a dispute at that time. I have an email from XXXX, where I asked them for my complete servicing file. I received no answer from them. They tried to make me do a modification. Other than harassing me, they did not try to investigate or honor the federal program that I was on. I was not able to find any paperwork because all of my correspondence was on my XXXX Mortgage app and I was no longer able to access the app. It was closed down. This has now affected my sisters credit and my credit grossly. My sister had never been notified about any of these things. And I felt secure because I was assured this would not affect either of our credit and that the deferment would go to the end of the loan. 
They are also now refusing to give me my complete servicing file and telling me that I have to get a lawyer. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
I am writing to formally dispute several inquiries that appear on my credit report. These inquiries are inaccurate, unauthorized, or unverifiable, and their presence negatively impacts my credit profile. According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and XXXX XXXX XXXX XXXX ( XXXX  ) guidelines, it is your legal obligation to ensure that all information in my credit file is accurate, verifiable, and reported in compliance with established standards

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 2025-01-12 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft due to someone using my information open a account with company by the name of SUNTRUST. All while learning of this information it was then sold or transferred to a company by the name Truist Bank. This was once again done without my consent or authorization. Accounts were opened and my identity was use to open, sale, or transfer with the account in question. If have been going back and fourth for years now getting it removed from my consumer report with speaking with an individual/ representative from Truist . So now the same account that originated from identity theft is currently reporting on my consumer report once again. Ive contacted Truist multiple times on this issue. Ive put in notices to opt out and all so the deletion of any of my personal information and all personal identifiers. I would like to simply just like this account and all my personal information be deleted from there system. This situation has put me in a uncomfortable position. I would like to come to a fast resolution and try to avoid anything strenuous for any parties involved.

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information. Please reinvestigate this matter and contact the nationwide credit bureaus to have it deleted for as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Contract callers is a collection agency trying to collect XXXX dollars for unpaid XXXX & XXXX bills. I explain to XXXX  & XXXX that I never opened an account in XXXX Ca. I have never lived there and I filed a report with the police but they sent it to collections any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.

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 2025-01-12 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:
Subject : Complaint Against Experian for Negligence in Handling Consumer Report. 

CFPB I am writing to file a formal complaint against Experian for their negligence and mishandling of my consumer report. Despite numerous attempts to resolve inaccuracies on my report, Experian has failed to correct misleading and false information, which has severely impacted my financial standing and ability to obtain necessary credit and insurance. 
After carefully reviewing my consumer report, I identified several inaccuracies. In response, I sent multiple dispute letters via certified mail to Experian, challenging the accuracy of the reported information. Unfortunately, Experians responses have been inadequate and dismissive. Within less than XXXX days, I received stall letters indicating that the accounts were previously investigated, verified, and deemed accurate. These responses also labeled my disputes as frivolous or claimed that my dispute could not be processed at the time, despite the fact that I provided all necessary identification documents with my letters. 

In addition to these ineffective written responses, I have made numerous attempts to speak with a representative by calling Experians customer service line. However, their automated system consistently prevents me from reaching a live agent, abruptly ending the call when I request to speak with someone. On rare occasions when I managed to reach a live representative in the XXXX Department, I was met with rudeness and a lack of concern for my issues. Representatives placed me on hold only to disconnect the call, further demonstrating Experians unwillingness to address my concerns. 
The ongoing presence of false information on my Experian consumer report has caused significant harm to my financial well-being. I have been denied car insurance and face difficulties obtaining credit, which has hindered my ability to purchase a home for my family. Notably, both XXXX and XXXX removed the same inaccurate information from my reports months ago following my dispute letters, yet Experian continues to plague my report without resolution. Given Experians negligence in handling my consumer report and the subsequent financial harm I have endured, I am seeking financial compensation for the damages caused. Their failure to accurately report and address my concerns has directly impacted my life, and I urge the CFPB to take immediate action to rectify 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to the XXXX XXXX XXXX, my personal information, my social security number, and my addresses have been exposed. I recently noticed items on my credit report that were opened fraudulently by perpetrators. I have no knowledge of these accounts. This accounts have ruined my life, it has negatively impacted my character and is stopping my from obtaining credit. I have reported this to government officials, my lawyer, and law authorities to get this issue resolved IMMEDIATELY. Please remove this account within XXXX business Days! Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX  business days of receiving a complaint of the information below : XXXX. XXXX XXXX XXXX - XXXXxxx Date Opened : XX/XX/year> Balance : {$970.00}

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