vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed account :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account. 
2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report.

3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms. 

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed account :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account.

2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report.

3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms. 

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management a debt buying agency did something that can be called " Predatory Debt Buying. '' Because I am elderly, they purchased a debt years ago. Instead of following the guidelines set under the Fair Debt Collections Practices Act, Midland Credit Management held onto the alleged debt for years while they stalked my private information without my permission, for the sole purpose of purchasing more debts to use against me. Once they felt they had gathered enough debt to bypass Magistrate Court, they sent an Officer from the Sheriff 's Department to my home and had him serve me papers that looked like an Official Court Summons which is illegal to create documents that look like they came from the Court. The letter had a court docket number on the side as well. The amount they claimed in the documents that is owed to them is {$7900.00} based upon 6 accounts they claim to have purchased belonging to me. They are currently threatening that if the issue isn't resolved they're going to file a motion to have a Judge find in their favor and have that Judge order me to give them {$7900.00} without showing any Bill of Sale with my name or account number on the Bill of Sale. This applies to all 6 of their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I have fraudulent accounts on my consumer reports that is not mine, these are all unaurthorized accounts that I have no knowledge of per 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I have fraudulent accounts on my consumer reports that is not mine, these are all unaurthorized accounts that I have no knowledge of per 15 USC 1681

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 2025-01-11 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: OneMain Finance Corporation
State: AL

Complaint narrative:
This company is reporting to my consumer report that the account is charged off but has not provided me with the proper copy of tax form 1099C so that I may file my taxes properly. I reached out to the company via U.S Mail and also called the company but was met with no help and told they dont provide these forms. I informed them that if they are reporting the debt as charged off on my account then I need a copy to report this as income on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ).

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported.

Additionally, according to 1681 ( a ) ( 5 ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of finding. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX charge-off account in the amount of {$340.00} from my credit report. This account, which I disputed, was deleted from my XXXX credit report following the completion of their investigation on XX/XX/year>. XXXX deletion of the account confirms that it is unverifiable and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the accuracy and completeness of all information they report. As XXXX has completely deleted this account, you are now obligated to remove the same account from my credit file to maintain compliance with federal consumer protection laws. 

In addition, the FCRA requires that credit reporting agencies remove any information that can not be verified. Under FCRA 609 and 611, if an account is found to be unverifiable or lacks sufficient evidence, it must be deleted immediately. I request that your agency conduct an investigation and remove this account from my credit report within 30 days from the date of receipt of this letter.

Should you fail to comply with this request, FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. If the account is not removed within 30 days, I may pursue legal remedies, including suing for damages for failure to uphold your obligations under the law. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed from my credit file, or provide documentation proving its accuracy and validity. 

Failure to act promptly will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Lexington law has charged hundreds of dollars extra for things I never asked for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: NJ

Complaint narrative:
Your company has committed a violation of my consumer rights and a material breach of the arbitration agreement we had. This communication is a humble and good faith attempt at seeking to have this discrepancy resolved both promptly and amicably. Please see Notice of Default attached for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citibank closed my account claiming I violated their terms and policies and closed my business account claiming " Fraud ''. They froze my money in my business account as well as my personal account. They informed me that they will be sending out a letter explaining why my account was closed and they will be mailing out a check with my funds 30-60 days from closure. I received that letter of explanation, and all it said that the reason why they closed my account was because " I violated their terms '', and they could not give me any further information about exactly what terms I violated because it " goes against their guidelines ''. I had no choice but to wait for the 30-60 days period to pass and I would be able to get my money. It has been 70 days and I still haven't received my money. I contacted the bank customer service asking for an explanation as to why they haven't sent my money and how long would it be until I received it. The response I received was that " they have no idea when I will be able to get my money ''. I went into the local Citibank branch, and while the banker was very friendly and called their back office, she also got the news that they had no further information and they had no idea when I would get my money. To me this is stealing my money. They have no right to hold my money and not release it to me. I have mortgage and business and kids to feed. I would like to get my money out of that bank.

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 monetary relief
Consumer complaint received 2025-01-11 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:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA.

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days. 

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
In XXXXXXXX XXXX I had made multiple calls to navient to set up my payment options/a plan to be on. I was only given one option that was not affordable at the time given I was just XXXX XXXX XXXX  The price I was given was over XXXX dollars. When I got off the phone I looked into payment plans online to see if there was any other options and multiple options for a lower monthly payment was present. 
I was also given one notice that my loans were being transferred to someone else and I would hear from whoever they were going to.

Company response to consumer: Closed with explanation