vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, Mo XXXX ] [ XXXX [ XXXX ] [ XX/XX/year> National Credit Adjuster [ XXXX XXXX XXXX XXXX ] [ XXXX, Ks XXXX Subject : Cease and Desist Notice Dear To Whom It May Concern I am writing to formally request that you cease and desist all communications and actions related to [ specific issue, e.g., debt collection, harassment, etc. ] involving my account XXXX Despite my previous requests to stop contacting me, I have continued to receive [ describe the nature of the communications, e.g., phone calls, letters, etc. ]. This behavior is not only unwelcome but also constitutes harassment laws and false reporting. 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Please consider this letter as my official notice that I wish for all communications to cease immediately. If you do not comply with this request, I will have no choice but to take further action, which may include filing a complaint with the appropriate regulatory authorities and seeking legal counsel. 

I expect written confirmation that you have received this letter and that you will comply with my request. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a 0 monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in 24 hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove.

2 hard inquires are not mine and credit company wont remove

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 2025-01-28 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: AR

Complaint narrative:
I am submitting this complaint due to Experian 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly Section 1681e ( b ) and 1681i, Experian is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section 1681n, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the Act.

With an account on my credit report, the transactions experiences are not pursuant to 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Im requesting Experian to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes 15 violations of transaction experiences that where violated under 15 USC 1681a ( a ) ( 3 ) ( i ) and the Privacy Act of 1967, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my Experian showing transaction experience must be updated to paid and on time includin, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from Experian for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of Experian XXXX XXXX XXXX to reach out to me, so we can solve this matter 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 2025-01-28 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: PA

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, 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 inactions 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 2025-01-28 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: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Complaint Against XXXX for Fraudulent and Inaccurate Reporting I am filing this complaint against XXXX for reporting an inaccurate and fraudulent account from ConServe ( Continental Service Group , Inc. ) on my credit report. This account contains numerous errors, violates multiple federal consumer protection laws, and has not been properly validated despite my efforts to dispute it.

First, the account was fraudulently opened using my personal information without my knowledge or consent. I have no contractual agreement with ConServe, yet XXXX continues to report this account. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to ensure the accuracy of all information they report, and ConServe has failed to meet this obligation. Furthermore, they have not provided an original signed contract or sufficient evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Second, XXXX has violated its obligation under FCRA 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy of consumer credit information. The account contains multiple inconsistencies, including discrepancies in the date of last activity, date opened, and account status. Additionally, XXXX has marked the account as disputed but continues to report derogatory remarks without conducting a proper investigation, as required by FCRA 1681i ( a ). This ongoing failure to investigate and correct inaccurate information is a clear violation of federal law. 

XXXX is also in violation of FCRA 1681c ( a ) ( 3 ), which prohibits the inclusion of disputed or unverifiable information in a consumers report. Despite being notified that this account is fraudulent and unverifiable, XXXX continues to report it, further compounding the harm caused to my credit profile. By facilitating ConServes actions, XXXX is enabling a violation of FDCPA 1692e, which prohibits false, deceptive, or misleading representations regarding a debt. 

I demand the immediate deletion of this fraudulent account from my credit report. XXXX must cease reporting any information related to this account unless it can be fully validated with an original signed consumer agreement. If XXXX fails to resolve this matter promptly, I reserve my right to seek legal action for damages under the FCRA and FDCPA. This includes pursuing statutory and punitive damages for XXXX continued noncompliance with federal laws designed to protect consumers from fraudulent and inaccurate reporting. 

Equifaxs handling of this account has caused significant harm to my creditworthiness and financial well-being. I expect immediate corrective action to address and resolve this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing the same accounts on my XXXX and Equifax reports for months and this is over 10th CFPB complaint between both Companies. They are reporting inaccurate information on my report. XXXX has deleted these accounts months ago. Per 15 USC Code 1681 e ( b ) CRA are to ensure the maximum possible accuracy of the information on the consumer report. I was a victim of Equifax Data Breach and I sent in my FTC Report to both Companies and will attach below. The accounts in question are to be deleted within 4 Buisness days which its been over a month so thats a violation of 15 USC 1681c-2 ( a ). Equifax and XXXX are also violating other consumer laws for example 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) and 1681 a-2 ( b ) where neither company looked beyond the information contained or consulted underlying documents to verify the inaccurate information. Neither CRA behaved reasonably nor did they acquire sufficient evidence to support any conclusions of my CFPB complaints. I have never received any documentation from neither company stating how the accounts were verified or results of a thorough investigation. I requested information on how accounts were being verified and received nothing via mail. THESE COMPANIES ARE VIOLATING MY RIGHTS AS A COMSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really upset because a company pulled up my credit report and now there are all these inquiries on there that I don't recognize. I have no idea what's going on and it's seriously stressing me out!

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
USBank is not sending me verification codes- second part of STUPID two-step verification- so that I can not make a payment online. On XX/XX/year>, I submitted a dispute via telephone with USBank 's Executive Office. Since then, I am not receiving verification codes, requested more than a dozen times over a few days and through two different browsers. XX/XX/XXXX I spoke with XXXX in technical support. She stated that XXXX was blocking my emails, EFFECTIVE XX/XX/XXXX- the date I complained to USBank 's Executive Office. This is more than a COINCIDENCE. I am receiving messages from numerous senders without any problems. Working with XXXX, we made sure that no USBank addrsses or USBank domains were blocked. So, USBank is LYING. Because I complained to CFPB about USBank on or about XX/XX/XXXX and USBank 's Executive office had to call me so that I could file a dispute, it is obvious that USBank is INTENTIONALLY in RETRIBUTION blocking itself from sending me verification codes. Thus, I am not able to make a payment, which USBank is doing to cause me harm in RETRIBUTION. Furthermore, USBank 's actions are a CRIMINAL CONSPIRACY.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX shows that Bank Of America is on my consumer report. I have also received emails from BOA stating that I have an overdrawn account of {$5000.00}. I never made this transaction and never used the funds. I told BOA numerous times my account was hacked and my account was still closed. I have also uploaded a ledger from my power bill showing the date I started my service until current as requested

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 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX {$690.00} Disputed multiple times in the past and recently on XX/XX/XXXX. I have even went to the apartments where the collection is from and I was told that I was never in their system as a tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
cash net usa int rate were not clear and neither were the high payments i am currently in collections for XXXX for a XXXX loan that they sold to a 3rd party company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I purchased a vehicle in XXXX from a dealership and the loan was funded through XXXX XXXX for a term of 39 months, Approximately less than a year into having the vehicle it had a major mechanical failure with the braking system causing the vehicle to leave the roadway while driving striking several trees and ultimately being declared a total loss by the auto insurance company, furthermore the insurance company issued a check to XXXX XXXX to satisfy the loan on the vehicle. 

Unfortunately XXXX XXXX claimed there was still a balance of almost {$1600.00} remaining that the insurance did not cover, however they never provided any proof of what amount was paid to them by the insurance company, they have failed to supply evidence to support their claim that there is any balance due after the insurance payment. 

I believe XXXX XXXX is participating in illegal and deceptive practices by continuously reporting an open collection on my credit report and claiming that I now owe over {$4600.00} to them, their deceptive reporting claims that this loan was closed later than it was as they continue to try and reset the clock on how long they can legally try to collect on this bogus debt it has been over 8 years since this loan was paid an closed yet they still continue to violate the law and report this as an open debt negatively affecting my credit, Additionally XXXX XXXX in XXXX was sued by multiple states for the same deceptive billing and trying to cheat customers out of money with their inaccurate billing. 

If this debt is not removed within 30 days a complaint will be filed with the New Jersey Attorney General Office along with the XX/XX/XXXX Court of New Jersey and a lawsuit will be filed against XXXX XXXX if they fail to comply.

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 2025-01-28 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: FL

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-01-28 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: PA

Complaint narrative:
I would like to dispute inaccurate information on my credit report, specifically incorrect addresses and variations of my details that are inaccurate. The addresses in question are XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; and XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Additionally, I request the removal of incorrect variations of my name. My accurate name is XXXX XXXX XXXX, and I ask that the following variations be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX You may refer to my supporting documents for verification. I am currently self-employed, and any other incorrect variations of my employment status should also be removed. Please ensure that only verified and accurate information appears in my personal information. I request written confirmation of these corrections along with an updated copy of my credit report. Kindly address these inaccuracies promptly.

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 2025-01-28 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I have some collections reporting a debt on my credit file that I do not understand. There are XXXX XXXX XXXX  accounts which I do not recognize and a XXXX XXXX. I was previously in an XXXX  relationship, we had a lease on our apartment that I was thankfully able to get out of. However, I called to cancel gas and electiricty under my name when I did move out and paid the remaining balance. However, my ex went in and put my name on the utlities all over again and they got sent to collection against my knowledge. He is currently serving a sentence and so I filed a report with the police because this is not the only account that I am having issues with. I followed all the right steps to get rid of this debt and finally get some peace of mind and be able to move forward with my life but it seems like these issues keep holding me back. This debt is not mine and I ask the collections be removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation