vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a financial institution called " XXXX XXXX XXXX '' using my SSN and other details without my consent or knowledge

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 2025-01-07 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: FL

Complaint narrative:
I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX Balance {$33000.00}

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I have $ XXXX locked in my account at Robinhood. My account was restricted by them for reasons unknown to me, and I was asked to upload a series of documentation ( automated message in the Robinhood app ) which I did promptly. Since XXXX, I got a notice that said wait for a follow up call within XXXX minutes. Its been a week and counting with no call and no sign of progress. I tried to email them as well but was told to request a call ( which I already did ) and my case was immediately closed without resolution. I cant access the $ XXXX in my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC Date opened XX/XX/year> {$640.00} I am writing to file a complaint regarding LVNV Funding. I did not authorize LVNV Funding to have my personal information from a second party creditor. I believe this is a violation of my rights as a consumer, and I request that this matter be investigated promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00XXXX XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: MA

Complaint narrative:
This company reported an alleged debt to my credit without prior notification. I was never informed of this invalid debt, as required under the FDCPA. I request its removal from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
After numerous times they extended the payments before, I last spoke with Santander agency on XXXX XXXX for a payment of {$500.00} to keep me up to date with my payment arrangements, I was told that the debit card wasn't allowing my payment so they suggested I get a prepaid card.That left me puzzled and uncertain if this was fraudulent attempts.I have been fighting the fact that my credit report had fraudulent issues regarding the dealership with evidence of matter ... Santander Consumer USA needs to start investigating the people whom feel scammed instead of repossession of car which happened to me illegally and I have the video of the breach of peace from repo man and my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket mortgage offered me one option- a 20 year mortgage. I learned that I should have been offered a XXXX  year option and that it was discriminatory not to. I wanted my loan modified to a XXXX  year to improve my cash flow and have my overpayments from all the payments I made returned. I listed the property and they advised me to take it off the market and apply for loan modification. I took it off the market and applied. They last minute said they were going to foreclose and not accept my application. I took my property off the market, overpaid them for years, and followed their instruction for loan modification. They are currently trying to sell my house on XXXX I would like this hauled immediately and have asked numerous times, all documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXX Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
Experians refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation. 
Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Description of the Complaint : I am filing this complaint against Jefferson Capital Systems for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting an unverified debt to the credit reporting agencies and continuing to collect on the debt without providing validation or proof of my obligation to pay it. 

Jefferson Capital Systems obtained and is using my personal information without my consent. Despite my requests for a cease and desist and for proper debt validation, including a copy of the original contract bearing my signature, they have failed to comply with the following legal requirements : 1. FDCPA ( 15 U.S.C. 1692g ) They are required to validate a debt upon my request and cease collection activities, including credit reporting, until they provide the requested information.

2. FCRA ( 15 U.S.C. 1681s-2 ( b ) ) They must report accurate information and investigate disputed items. Continuing to report a debt without validation constitutes inaccurate and unlawful reporting.

3. Privacy Violations My personal financial data was acquired without my consent, and they are using it to demand payment without establishing the legitimacy of the debt.

Additionally, Jefferson Capital Systems actions are violating my rights under the FCRA, as their unverified reporting is adversely impacting my creditworthiness and limiting my access to housing opportunities. This harm is significant because it is based on a debt I have no firsthand knowledge of owing. By reporting this alleged debt without providing validation, Jefferson Capital Systems has deprived me of my legal right to a fair and accurate credit report.

Violation of Rights : My right to due process under the FDCPA was violated because the company failed to provide validation while continuing collection efforts.

My right to privacy was violated when my personal financial information was used without my consent to purchase and collect on a debt I did not authorize or agree to.

My right to accurate credit reporting under the FCRA was violated as their failure to validate the debt has led to false information affecting my credit report and housing opportunities.

Resolution Requested : I request that the FTC : 1. Investigate Jefferson Capital Systems for violations of the FDCPA, FCRA, and privacy rights related to the unauthorized acquisition and use of my information.

2. Require them to immediately remove the unverified debt from my credit report.

3. Impose appropriate penalties for these ongoing violations that have caused financial harm and impeded my housing opportunities.

I am attaching copies of my correspondence with Jefferson Capital Systems, including my requests for debt validation and their failure to comply, to support this complaint.

Declaration : I certify that this information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation