vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Equifax, XXXX am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. The following accounts were fraudulently opened in my name without my consent : XXXX. XXXX XXXX XXXX Bank XXXX - XXXX XXXX- {$XXXX} XXXX. XXXX XXXX BANK XXXX  - XXXX  XXXX - {$XXXX} XXXX. XXXX XXXX XXXX - XXXX XXXX- {$XXXX} XXXX. XXXX XXXX - XXXX XXXX - {$XXXX} I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity.

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
spoke with representative at law firm after being served, made a payment plan. but no receipts have been sent for proof of payment. nothing has been sent for proof of 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
XXXX XXXX has committed XXXX XXXX and has closed my accounts illegally due to them not have XXXX of Attorney. I have already revoked their XXXX of Attorney. They have not returned the security I had sent in, so I don't know what they are doing with it. I had tendered the coupon they sent to me according to the XXXX XXXX code. They are violating me as a consumer attempting to do business in good faith. Within XXXX prospectus and even reading their trust indenture agreement they clearly state about the discharging of debts. XXXX is violating the XXXX XXXX XXXX of XXXX & XXXX and also the XXXX XXXX XXXX of XXXX. Their XXXX indenture agreement with the XXXX  to even deal with securities is being violated also. Also giving my information to XXXX parties violates the Privacy Act of XXXX and XXXX own agreement we have together about not sharing my private information. Please update any reporting that's being reporting to just " updated, paid as agreed '' or I will pursue Fair Credit Reporting Act 15 USC 1681 violations against your company. Also 18 U.S. Code 8 - Obligation or other security of the United States defined : includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Concora has taken adverse action on me illegally when I don't owe, and your company is violating 15 USC 1692j - Furnishing certain deceptive forms and I have proof with your statements sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I requested a 1099-C, but XXXX stated none was issued. Yet, the account is still reported as a charge-off while you continue collection efforts, which is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I requested a 1099-C, but XXXX stated none was issued. Yet, the account is still reported as a charge-off while you continue collection efforts, which is inaccurate and misleading.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I notified the Discover XXXX Department of multiple charges I did not make nor authorize on my card upon my knowledge of the charges after realizing these charges after retrieving my credit report and seeing an obscene balance I didn't have anything to do with. I was shocked, as I had not received any statements/phone calls, nor email notifications of any charges or pending approvals of charges per Discover and hadn't used my card. I was told per the fraud dept XXXX that all charges were done remotely ; none with the card actually scanned/swiped. Because I wasn't aware of any charges, I hadn't contacted them until I discovered the balance on my credit report and hadn't made payments as I wasn't using the card and it had formerly been on auto-pay. I was told the charges would be put in a fraud investigation standing and a proper investigation would be conducted, yet that never occurred. By the time I discovered it, they had shut down my card; had removed my online access and refused to send me the back statements to show what had been charged and where/when. To this day, they are refusing to even let me see the charges their billing for nor where they originated or how they were processed. I received nothing to update me on the fraudulent claim investigation ; instead a provisional credit I was told that I don't ; even know happened --, then a repeated billing cycle statement began being mailed to me for a closed account demanding payment for charges I never made or had knowledge of being made! Discover had closed my account after payments weren't made for several months they said, and they demanded I pay for these fraudulent charges. After never even sending me an explanation of their investigation nor when/where the charges were made and how! Clearly, Discover never conducted an investigation and instead just tried to bully me with repeated bills for charges I never made. It won't be tolerated. Also, since they stripped my online access BEFORE they ever notified me of a balance -- I haven't to date seen the charges, nor received any communication regarding the fraud investigation. Illegal and unacceptable! Blatant violation of the Terms of Agreement for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear JPMCB Card Services, I hope this letter finds you well. I am reaching out regarding my closed account with your institution. Please note that I am not disputing this account ; I am simply requesting some key details for my records. 

Specifically, I would appreciate it if you could provide me with the following information : 1. The date of first delinquency on the account.

2. The date of my last payment on the account.

3. The date the account was charged off I kindly request that you provide this information at your earliest convenience. If any additional steps are required on my end, please let me know.

Thank you for your time and assistance. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
Recently, I did an invest

igation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my cr
edit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear CFPB, I am filing a formal complaint against LVNV Funding LLC and Resurgent Capital Services for fraudulent debt collection, failure to validate debt, and unlawful credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These companies have a long history of legal violations and deceptive collection tactics, as evidenced by multiple lawsuits against them. They are attempting to collect and report a debt they have failed to verify, causing harm to my credit profile. 

XXXX. LVNV Funding Failed to Validate the Debt No Proof of Contract LVNV Funding LLC is reporting a collection account for XXXX XXXX XXXX XXXX ( Account # XXXX ) with a balance of {$XXXX}, as well as an additional {$XXXX} collection from an unidentified creditor. 
LVNV Funding claims to have acquired the XXXX XXXX account on XX/XX/year>, yet they have not provided any evidence that I entered into a contract with Just Energy or agreed to this alleged debt. 
I have obtained my original contract with XXXX XXXX, and LVNV Funding has never provided this or any other signed contract linking me to this alleged balance.

Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must provide proper validation of a debt upon request. Simply stating they own the debt is not sufficient under federal law. 

LVNV Fundings failure to provide contract documentation invalidates their right to collect this debt and means the tradeline should be immediately deleted from my credit report. 

XXXX. LVNV Funding Has a Well-Documented History of Illegal Collection Practices LVNV Funding LLC has faced multiple class-action lawsuits for its fraudulent and deceptive debt collection tactics : Illinois & Wisconsin XXXX XXXX XXXX XXXX was sued for filing lawsuits against consumers without sufficient documentation of the debts. 
FDCPA Violation Lawsuits LVNV Funding was sued for sending misleading collection letters that failed to inform consumers of their right to dispute debts. 
National Class Actions Over a dozen lawsuits have been filed across the country against LVNV Funding for misrepresenting debts, falsifying balances, and attempting to collect time-barred accounts. 

XXXX. XXXX Fundings Reporting is Deceptive and Violates the FCRA The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus be accurate, complete, and verifiable. LVNV Funding : Failed to provide contractual proof that I owe this debt. 
Continues to report this account despite a lack of proper validation. 
Misrepresents the legitimacy of the debt by failing to provide legally required supporting documentation. 

Their failure to validate this debt means it is illegally being reported to the credit bureaus and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information. Upon reviewing my report, I noticed a that I have 1 late payment that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. This account has never been late. Attached is a copy of my credit for the following date XX/XX/year>. I am requesting that you investigate and provide verifiable proof that I had a late payment. If the information can not be provide, please update this payment to on time, immediately. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information. Upon reviewing my report, I noticed a that I have 1 late payment that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. This account has never been late. Attached is a copy of my credit for the following date XX/XX/year>. I am requesting that you investigate and provide verifiable proof that I had a late payment. If the information can not be provide, please update this payment to on time, immediately. Thank you for your help.

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 2025-02-04 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: IL

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX for failing to investigate and correct fraudulent accounts, derogatory items, and inaccurate personal information on my credit report. 

In XX/XX/XXXX, I was a victim of identity theft, and fraudulent accounts were opened in my name, including XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). Despite providing police reports and fraud affidavits, these accounts remain on my credit file, violating FCRA Section 605B.

Additionally, multiple charge-offs, repossessions, and derogatory accounts ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX and XXXX XXXX XXXX XXXX despite improper verification under FCRA XXXX XXXX. I also have unauthorized inquiries ( XXXX XXXXXX/XX/XXXX XXXX and incorrect personal information. 

The CFPB recently sued XXXX and Experian for failing to conduct proper dispute investigations, and my case aligns with this pattern of negligence. I demand : Removal of fraudulent accounts and unauthorized inquiries Deletion of incorrect derogatory items Correction of personal information Failure to act will result in legal action under FCRA Sections 616 & 617. I request CFPB intervention to ensure compliance. 

Sincerely, 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 2025-02-04 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-04 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: IL

Complaint narrative:
You illegally updated my account & STILL incorrectly even though I sent all documents showing errors and laws regarding your duties and timeliness to fix things. See attached ( source XXXX XXXX XXXX & FTC ) XXXX XXXX ( MO ) XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT. COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I am a victim of identity theft and there are several inaccurate accounts not opened by me or authorized that need to be removed from all XXXX credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I am a victim of identity theft and there are several inaccurate accounts not opened by me or authorized that need to be removed from all XXXX credit bureaus

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 2025-02-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 non-monetary relief