vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  ] [ XXXX XXXX  ] [ XXXX, New York XXXX [ XXXX ] [ ( XXXX ) XXXX ] [ XXXXXX/XX/year> ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Inaccurate Information from Credit Report Dear XXXX XXXX XXXX am writing to formally dispute the accuracy of certain information on my credit report and request the deletion of XXXX third-party accounts that I believe to be erroneous. My credit report lists the following disputed accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number** : [ XXXX ] **Reason for Dispute** : [ e.g., paid off, not mine, incorrect balance, etc. ] I have attached any supporting documentation to this letter, including copies of payment records, correspondence, or any other relevant information that validates my position. I kindly request that you investigate these accounts and delete them from my credit report as they are damaging my credit score unfairly. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I would appreciate a written response outlining the findings of your investigation and any actions taken to resolve this matter. Thank you for your attention to this urgent request. I look forward to your prompt response. Sincerely, [ 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 explanation
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, Equifax, XXXX, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
LEGAL DEPARTMENT I am writing to dispute the reporting of late payments on my account [ Your Account Number ] in accordance with my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). Upon reviewing my credit file, I have discovered inaccurate late payments that do not reflect my actual payment history and are adversely affecting my credit standing.

Specifically, I dispute the following late payments reported on my account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NO. : XXXX Date of Late Payment : [ XX/XX/year> ] These late payment reports are inaccurate due to [ choose one or more of the following reasons ] : I made my payment on time, and I have attached proof ( Document to adjust and remove late payment ). 
The reported late payment was the result of an error by your institution.

Under 15 U.S.C. 1666 ( b ), I am formally disputing these inaccurate records and requesting a thorough investigation. I kindly ask you : 1. Conduct a formal review of my payment history to verify the accuracy of the reported late payments.

2. Correct or remove any inaccurate late payment entries from my account.

3. Update all relevant credit bureaus with the corrected information.

4. Provide me with written confirmation of the resolution of this matter.

Enclosed with this letter, you will find copies of supporting documentation, including [ mentioning any supporting evidence such as bank statements, payment receipts, or correspondence ].

Please note that under the Fair Credit Billing Act, you are required to respond to this dispute within 30 days of receiving this letter. Failure to correct this error will leave me with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or explore legal options to ensure compliance.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this dispute and provide an update on the status of your investigation as soon as possible. You may contact me via the details provided above. 
Sincerely, 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 explanation
Consumer complaint received 2025-03-02 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CALIFORNIA XXXX XXXX XX/XX/2025 LVNV Funding LLC XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Subject : Cease and Desist Notice for FCRA Violations Re : Account Number XXXX | Balance : {$690.00} Dear LVNV Funding LLC, This letter serves as a formal Cease and Desist Notice regarding your unlawful actions in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, concerning the above-referenced account.

Violations Committed by LVNV Funding LLC XXXX. Inaccurate Credit Reporting You have been reporting inaccurate and unverifiable information regarding this account to the credit bureaus, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

2. Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i, once a dispute is filed, you are required to conduct a reasonable investigation. Your failure to provide verifiable proof of the accuracy of the information violates my rights under the FCRA.

3. Continued Reporting of Disputed Information You have continued reporting this account despite a dispute, failing to mark it as disputed as required under 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
4. Failure to Provide Validation You have failed to provide legally required documentation proving the validity of this alleged debt, which is a violation of my rights under the FCRA and FDCPA ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ).

Demand for Immediate Action 1. Cease All Reporting of This Account You must immediately delete this account from all consumer reporting agencies due to your violations.

2. Cease Collection Efforts You must immediately cease all collection efforts related to this account.

3. Provide Proof of Investigation and Validation Within 15 days, provide documentation proving that you conducted a lawful investigation and verified the debt per federal law. 

Notice of Legal Action Should you fail to comply, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as initiating legal action for statutory damages under 15 U.S.C. 1681n and 1681o. 

This letter serves as formal notice that you are to immediately cease and desist any further reporting, collection, or verification of this debt. Failure to comply will result in legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am filing this complaint against Synchrony Bank ( SYNCB ) regarding my XXXX XXXX XXXX XXXX, account number ending in XXXX. I received a notice stating that my account is several months past due and at risk of being charged off, with a balance that must be paid in full immediately if charged off. However, my primary concern is the excessive and harassing phone calls I am receiving from Synchrony Bank at XXXX. 
They call me nonstop, including before XXXX XXXX, after XXXX XXXX, and all day on Sundays. These calls occur at unreasonable hours and on days when I should not be contacted, disrupting my life and causing significant distress. Despite my attempts to address this [ optional : " e.g., by asking them to stop '' if applicable ], the calls continue without regard for reasonable boundaries. I believe this violates fair debt collection practices, as collectors are not allowed to contact consumers outside of XXXX XXXX to XXXX XXXX local time or harass them with excessive calls. 
I am requesting that the CFPB investigate Synchrony Banks collection practices related to my account. I am also concerned about the threatened charge-off and its potential impact on my credit report, especially given their aggressive and unlawful attempts to collect this debt.

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 2025-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Financial Assistance Inc
State: AR

Complaint narrative:
Tried to make arrangements on lowering my initial payment but they refused to, then tried to put some payments on the back end they refused to, no help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CALIFORNIA XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Cease and Desist Notice Regarding Unlawful Reporting Violation of the FCRA Dear Jefferson Capital Systems, I am formally demanding that you cease and desist all collection activities and credit reporting regarding the following accounts, as they are in violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer : Account Number : XXXX Balance : {$560.00} Account Number : XXXX Balance : {$1000.00} These accounts are being reported inaccurately and unlawfully. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, you are required to conduct a reasonable investigation upon dispute. Furthermore, any furnishing of information that is incomplete, inaccurate, or unverifiable is a violation of the law and must be corrected or deleted. 

Additionally, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding that you cease all collection attempts immediately, including but not limited to phone calls, letters, and reporting to any consumer reporting agencies. Any further attempts to collect or report inaccurate information will be considered willful noncompliance, and I will pursue legal action for statutory damages, attorney fees, and any other remedies available under federal law.

I request written confirmation that you have removed these accounts from all consumer reporting agencies and that you will cease all collection activities. Failure to comply within XXXX  days of receipt of this letter will result in legal action being taken against your company. 

This letter serves as formal notice under the law. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IN

Complaint narrative:
My information was exposed during a credit data breach with all three credit rule information need to be taken off my credit 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 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had XXXX cards with synchrony. XXXXXXXX care credit, Amazon & belk. Theyve balance chased me on my XXXX card for a year and destroyed my credit by slashing my limit to within $ XXXX of my balance. My belk card was at {$0.00}, I used it for a little over {$100.00} and they slashed my limit from {$300.00} to directly over my balance as soon as I used it. I paid it off and closed it. When I did this, they slashed my care credit card to barely over my balance, I disputed it to no avail. I recently paid my amazon card completely off, within the past XXXX weeks, and today they closed the account completely. Mind you I have never been late on these accounts, possibly within a day or so because i simply forgot about a due date but never more than that. The majority of the time I pay more than the balance due. When I threatened to pay off and close all my accounts the rep offered to dispute it, but had no record number to give me for that dispute, and afterwards closed my amazon. Theyve dropped my XXXX XXXX almost XXXX points in a year and every other card has raised my limits without my request. Theyve impacted my insurance rates, and every other financial transaction I have had because of this. There are XXXX complaints all over social media and online forums that they do this to all of their customers.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. As a Consumer Financial Protect Bureau, you are required to make sure Credit Reporting Agencies follow the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 1681, et seq., consumers are protected against inaccurate, outdated, and invalidated information. This account has not been late on payments. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within the consumer files is accurate and free from errors. I've attached a copy of my XXXX report and XXXX report both showing the below XXXX account as paid on time and never been late, the date in question is XX/XX/2024. You can't have one agency reporting an account as paid on time and another agency reporting the same exact account as late. That's a FCRA violation right there. I'm requesting an investigation into the below account and update these payments to paid on time immediately. Thank you for your prompt action. XXXX 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 2025-03-03 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Redfin Corporation
State: MA

Complaint narrative:
I have found a nice rental apartment on Redfin, so I asked for information on it. I filled an applicant form ( to which I had to pay a fee of {$50.00} to a person called XXXX XXXX, via XXXX XXXX and I asked to visit the apartment. The application for the rental was sent to me by a XXXX XXXX that identified himself as property manager, with the same address as the apartment in question. I was asked to pay a security deposit, {$1800.00}, that I would be returned if I didn't like the unit. The payment, was to be made with XXXX but as the address was not recognized by my bank I was asked to send the security deposit to another person, XXXX XXXX, via XXXX. I received then a lease contract made to a landlord, XXXX XXXX XXXX, XXXX. I continued asking to visit the apartment but there were always excuses, it was still occupied, it was being repaired... I was asked to sign the lease and to pay for 2 months of rent to secure the apartment. I made this payment, on XX/XX/XXXX, via wire to XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as requested by XXXX XXXX. I continued asking to see the apartment. the last excuse was that XXXX was trying to wave a request from the building management for a rental insurance, and maybe he could negotiate to meet the request half way. The " insurance '' was another {$3000.00}. 
I requested the return of all my payments but have not received any answer.

Company response to consumer: Untimely response