vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
They keep reporting that my credit score is a 4 to companies that check

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Subject : Request for Assistance Regarding a Debt Collectors Failure to Validate a Debt and Related Issues Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue with a debt collection agency that has failed to comply with federal regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The agency in question, True Accord, has been contacting me regarding an alleged debt that I do not recognize. I promptly requested that they validate the debt by providing documentation that substantiates their claim. Despite my request, they have failed to validate the debt and continue to harass me through emails and other forms of communication.

Additionally, I discovered that the agency has reported this unverified debt to credit reporting agencies without my authorization or consent. This action has negatively impacted my credit profile, causing undue stress and harm to my financial well-being.

To summarize, the debt collector has engaged in the following actions : 1. Failure to Validate the Debt : Despite my written request, the agency has not provided any evidence or documentation to validate the debt as required under 15 U.S.C. 1692g ( b ).

2. Continued Communication and Harassment : The agency continues to email me and engage in collection activities in violation of the FDCPA.

3. Unauthorized Reporting to Credit Bureaus : The agency reported the alleged debt to credit reporting agencies without substantiating the claim, in potential violation of the FCRA.

I kindly request the CFPB 's intervention to address these violations. I would appreciate it if you could investigate the matter, ensure the agency ceases all collection activities until the debt is properly validated, and work to have the unsubstantiated debt removed from my credit report.

I have attached copies of all relevant documentation, including my written validation request and any communication from the debt collector, to support my complaint.

Thank you for your attention to this matter. Please let me know if additional information is needed. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitial one issue - Incorrect balance - Phone calls sometimes 5 days a week twice a day or once every other day -harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Issue # 1 : Remediation check in the amount of {$22000.00} received by mail from letter dated XX/XX/year>. Due to error in calculation for, 1. Compensation for time you did not have funds, {$2700.00} 2. Interest, {$18000.00} 3. Fees, {$1600.00} No Inconvenience provided in this payment Issue # 2 : Remediation check in the amount of {$9400.00} received by mail from letter dated, XX/XX/year>. Due to calculation for, 1. Compensation for time you did not have funds, {$810.00} 2. Interest, {$3100.00} 3. Fees, {$3500.00} 4. Inconvenience {$2000.00}

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
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am a victim of identity theft pursuant to 18 USC 1028A. My personal information was exposed in the Equifax Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
A FCRA infringement refers to a violation of the Fair Credit Reporting Act ( FCRA ), a government rule that governs the collection, dissemination, and use of customer credit information. You are supposed to ensure that the information on my credit reports is 100 % correct. I endured harm as a result of this FCRA infringement. I am entitled to compensation for this violation, which I would prefer in the form of DELETIONS ; otherwise, I will have to refer it to my legal counsel. These accounts described in my letter are not 100 % correct, and I demand that they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8400.00} - late/Open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL STSYEMS LLC Account Number : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dear Jefferson Capital Systems LLC I am writing regarding the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

Thank you for your attention to this matter. 



Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, and LVNV Funding LLC for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices.

Duplicate Account Reporting by XXXX XXXX XXXXank : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to LVNV Funding for collections. 
Inconsistent and Misleading Reporting by CRAs : XXXX and XXXX initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than three months, violating 15 U.S.C. 1681g of the FCRA.

Fraudulent Collection Activity by LVNV Funding : LVNV Funding reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed.

Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud.

Requested Actions : Immediate deletion of the duplicate account from all credit reports.

Removal of the LVNV Funding collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, XXXX, XXXX, XXXX, and LVNV Funding to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
After applying for a loan, I learned that LMMINC appears on my credit report. When I called, they stated they had limited access to the debt information but for a one time fee of XXXX dollar, they could verify the collection information instantly. I paid the XXXX XXXX  and was informed that they were collecting for a medical bill on behalf of XXXX XXXX XXXX however, the medical company has NO SUCH KNOWLEDGE. I contacted LLMINC and they stated that I shouldve received something from the Law Firm of Lockhart Morris & Montgomery. When I attempted to reach out to the law firm, I learned that Lockhart Morris and Montgomery was not a law firm and can be reached at XXXX or XXXX. I immediately contacted my bank to prevent any fraudulent activity. They informed me that the payment was sent to Standard Scores for a credit monitoring subscription ( XXXX ). LMMINC is damaging credit in an effort to collect on fake debt and manipulate people into buying a subscription under the premise that its for information. They are posing as a debt collector ( reporting negative information ) and offering to remove the negative information for the full collection amount OR a fee to remove their own falsely placed debt from credit reports. Theyre purposely using a separate business name to impersonate a law firm in the hopes of showing some form a validity. This scam has lowered my credit score and damaged my chances for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX days late XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} - Late /Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for 1099-C Form for Charged-Off Credit Card Account Dear Navy Federal Credit Union , I am writing to formally request a copy of the IRS Form 1099-C related to the charged-off credit card account associated with my membership at Navy Federal Credit Union. The account, which was charged off and reported on my credit report, pertains to the following details : Account Number : [ XXXX ] Date of Charge-Off : [ XXXX ] As per IRS guidelines, any canceled or forgiven debt over {$600.00} is required to be reported to the debtor via a XXXX form. To ensure my records are accurate and to meet my tax filing obligations, I kindly request that you provide me with this form at your earliest convenience. 

Additionally, I would like to confirm that income from the charged-off debt should not be reported on my credit report in compliance with applicable laws. Please ensure that the information reflected in my credit report is accurate and aligns with the legal guidelines.

You may send the requested documentation to my mailing address listed above or to my email address if electronic delivery is an option. 

Should you require additional information to process my request, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

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

Sincerely, [ XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been investing thousands of dollars in stocks up to {$7100.00} into my Robinhood account from XXXX XXXX. My account was restricted for depositing too much at once which raised security concerns on their end and they sent me an email to request a call from them on the app which I've been attempting to do for weeks now but still have not been able to get in contact with them. They tried calling me at XXXX in the morning on XX/XX/year> but that is an unreasonable time for me and anytime I try to contact them during the day they never respond. I have expenses that need to be paid and this money was only supposed to be in my account for a month, they are holding my funds not letting me withdraw my money but im still able to sell shares of my stocks which does not make sense to me. I hope you guys can help me get in contact with them so I can provide them with whatever is necessary in order to let me withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-10 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: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 non-monetary relief
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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