vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have contacted her jefferson capital systems multiple times to request original debtors contract and statements. 
They have not provided the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect. 

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus. 

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
: XXXX XXXX XXXX XXXX : Acct # XXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession XXXX, XXXX, TRANSUNION Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.

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 2025-01-06 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-06 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Zelle unable to recover my money due to fraud into my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over XXXX  days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
multiple auto loan inquiries and credit card inquiries such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX banking and Jp morgan chase fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Final Demand for Removal of Accounts Listed in FTC Report Dear TransUnion, This letter serves as a final demand for the immediate removal of the accounts listed in my FTC Identity Theft Report, which was previously submitted to you. Despite my initial correspondence, you have failed to act in accordance with federal law and continue to report inaccurate and fraudulent information on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block the reporting of information that is the result of identity theft upon receipt of an FTC Identity Theft Report. Your failure to address and remove these accounts constitutes a clear violation of my rights under the FCRA.

Additionally, your inaction directly contradicts your obligation under FCRA 1681e ( b ) to maintain maximum possible accuracy of the information you report. By continuing to report these accounts, you are causing me ongoing financial and reputational harm. 
Legal Implications : 1. For every account listed in my FTC report that remains on my credit file, I am entitled to statutory damages of {$1000.00} per violation, as outlined in FCRA 1681n.

2. Your failure to act promptly and in good faith exposes you to liability for actual damages, punitive damages, and my attorney 's fees, should this matter escalate to legal action.

I am giving you four ( 4 ) days from the date you receive this letter to comply with my demand. This means : Immediately removing all accounts listed in my FTC Identity Theft Report from my credit file. 
Providing written confirmation that these accounts have been removed. 
If I do not receive confirmation within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action to enforce my rights. 
I urge you to treat this matter with the urgency and seriousness it requires. Your failure to act will not only result in financial penalties but also reputational damage to your organization. 
Sincerely, XXXXXXXX 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 2025-01-06 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: NJ

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, I was contacted by Resurgent Capital Services regarding a debt they claim to have acquired. This debt originated from XXXX. I did not give permission for my debt to be sold, transferred, or purchased by Resurgent or its affiliates. Furthermore, I dispute the validity of the debt and their authority to collect it.

Despite my concerns, Resurgent has continued to contact me regarding this matter. This behavior constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the company has failed to provide validation of the debt and evidence of their legal authority to collect it.

I demand that Resurgent immediately cease all communication with me, as permitted by the FDCPA, and that they cease any collection efforts until they can provide proper validation of the debt. If they can not validate the debt or demonstrate lawful authority to collect, they must remove any records of this debt from their systems and confirm this in writing. 

I am requesting your assistance in addressing this matter and ensuring that my rights are upheld. Resurgents continued communication without proper validation is causing unnecessary stress and may be unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Predatory Loan Practices Freedom Mortgage contacted me about an XXXX and stated that I could reduce my mortgage payment by up to {$150.00} and skip XXXX mortgage payments. After they captured my loan information, they gave me a XXXX  that didn't match what they stated. They then proceeded to give me XXXX more XXXX, each one showing that I had to bring more money to the table and the mortgage reduction was less. The last XXXX showed my mortgage going up {$9000.00} plus {$3000.00} to the table, XXXX time for payment extension, and a XXXX extension to my loan, all for a $ XXXX reduction in mortgage payment. I told them that I wasn't interested. Freedom Mortgage has continued with the loan processing, even when I didn't answer their phone calls or sign the paperwork. I just got notice today that the loan has been processed and they want to set up a closing date. 

Predatory Loan Practices

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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I believe Im getting overcharged unnecessary feed .
Regular Monthly Payment Amount XXXX  Other Additional Charges XXXX  Days Past Due XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Atlantic Discount Corporation dba Atlantic Financial Services
State: VA

Complaint narrative:
Atlantic discount co have been continuously running my credit without my consent. I had a loan with them over XXXX years ago and settled in court. But they keep running my credit for the last XXXX  years. I contacted them and asked why are they continuing to do this and they stated because they are trying to get in contact with me. Which this is the illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am reporting two fraudulent collections listed on my credit report that do not belong to me. The first is a collection from Southwest Credit Systems, claiming I owe {$510.00} for a XXXX bill. I spoke with XXXX XXXX from Southwest Credit Systems, who informed me that my last name was spelled incorrectly on the collections record. The charge claims that I owe {$350.00} for one month of service, but this is not accurate. XXXX plans do not support such a high charge for one line. Additionally, I never had XXXX service in my name in XXXX  ; I was on my mothers plan. The debt is fraudulent. 

I am thankful that you helped me with the XXXX XXXX XXXX. It means a lot to me, and it has inspired me to take action on more accounts that are not mine because I shouldnt have to go through this. Its particularly troubling because XXXX XXXX added the Southwest Credit Systems Collection to my report right after they removed the XXXX XXXX XXXX. This is strange because I have screenshots showing that the Southwest Credit Systems collection was never on my report before. It was reported as of XX/XX/XXXXXXXX XXXX XXXX  but it never appeared until after the XXXX XXXX XXXX was removed. I believe XXXX needs to be investigated because I am unsure of where they are sourcing their information from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I decided to pull my credit report on XX/XX/year> to find out why my credit score was dropping. I noticed XXXX addresses in XXXX different states I have not stayed at on my report, and also some credit cards which were in collections that was not mine.

Company response to consumer: Closed with explanation