vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, a consumer, am notifying you that I dispute this alleged debt of {$150.00} by LVNV FUNDING LLC pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
This communication is pointing out the abuse of the XXXX XXXX by XXXX firm XXXX XXXX XXXX. XXXX & XXXX was hired by First Financial Investment Fund V to sue me for garnishment on a very old medical debt that is past its Statute of Limitations in the State of Georgia that already had a settlement ; so yeah, I got sued twice for the same case, and was re-sued for twice the amount of the original lawsuit. 
We are currently in the month of XXXX, XXXX ; the first garnishment was from my last check in XXXX of XXXX for {$340.00}, the second court date on the same case was XX/XX/XXXX upon which the {$340.00} was ruled on from a total amount of {$2600.00} although the first amount was the settlement amount of {$1700.00} in XXXX of XXXX. 
Now mind you, I had not received any further notices since that suit in XXXX, and the only notices I received was from attorneys saying I was being garnished and soliciting services to challenge a garnishment case, but that was it and that also was at the 7 year mark in XXXX. According to Georgia, the Statute of Limitations for Medical Debt is XXXX to XXXX yearsXXXX years for an oral agreement and XXXX for a contractso why is XXXX & XXXX able to sue me past both???? 
I put in a complaint against First Financial Investment Fund V to explain and all they told me was to contact XXXX & XXXX, yet First Financial Investment Fund was the entity that hired XXXX & XXXX to sue XXXX XXXX TWICE!!! 
So this complaint goes out to XXXX & XXXX since First Financial Investment Fund V says I need to put the attention away from them and to that firm insteadso here we are. 
This is total abuse of the Judicial System to sue me within my jurisdiction the first time 8 years prior to the original settlement only to turn around another year and sue me again on the same case later making 9 years to collect a settlement 2 times the original amount outside of what even the Law says is outdatedI need remedy to this matter because XXXX & XXXX was wrong for trying to be deceitful to re-sue thinking people dont know their rights when XXXX XXXX XXXX XXXX XXXX to XXXX  years to communicate their intentions and knowing the least they could have done was just honor the original settlement cause a settlement is a settlement and there was XXXX already on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am looking to report a bank account that I seen on chexsytems from Bank of America for the amount of XXXX I cant give accurate information because I dont see the information on chexsystems anymore. I have never been know to have a Bank of America account. I have had issues many times of getting a bank account because I have been denied due to the issue of have a closed Bank of America account with an owed amount.

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 monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-05 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX BANK NA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
The check they have not deposited is from XXXX and required endorsement by both me and the bank. I dont remember the exact amount of the check but it was for slightly more than {$6400.00} dollars and was close to half of the loan balance. I have called the loss claims office 4 times snd they acknowledge that they received the check but that the loss claims department had to mail the check to XXXX to get it deposited. They received the check on XX/XX/year> and it still has not been credited to my loan. Worst bank I have ever dealt with!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
On XX/XX/XXXX, I discovered fraudulent activity under my name involving the unauthorized opening of multiple vehicle-related installment accounts. These accounts do not belong to me and were not opened with my knowledge or consent. This appears to be a clear case of identity theft, and I demand that you investigate and take immediate action to remove and block these accounts from my credit profile. 

The following accounts appear to have been fraudulently opened and I kindly request that they be reviewed and addressed as soon as possible. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Auto Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX These accounts are causing me serious personal, emotional, and financial harm. I expect an immediate investigation, written confirmation of removal, and no further damage to my credit. 
I take this matter very seriously and will escalate legally if necessary.

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 2025-05-05 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX & XXXX XXXX XXXXXXXX I kept reporting fraudulent activity on my account and they wouldnt take fraudulent charges off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Pursuant to the FCRA & FDCPA I now exercise my lawful right to question the validity of the debt your agency claims have come due. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in the case of disputes accuracy : ( a ) Reinvestigations of disputes information ( 1 ) Required reinvestigation ( A ) In general subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 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 investigation 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 which the agency receives the notice of dispute. ( b ) if the consumer notifies the debt collector within the XXXX days period described in the subsection ( a ) that the debt, or any portion thereof, is disputed, or upon request of information of the original creditor, the debt collector shall cease any attempts at collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor is sent to the consumer. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify- through the physical verification of the original signed, certified consumer contract- of any and all accounts you request to be posted and/or reported on a credit report. I respectfully demand to see a copy of the Verifiable, Validated Proof ( an original consumer contract with a wet-ink signature on it, copies of copies are not Validation and by Law are not considered Proof ), that you have on file for the account listed. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide an original copy of Verifiable, Validated proof of the said debt that you have on file within XXXX calendar days from the receipt of this notice, then you must at once remove this account from my credit report. The law is very clear as to the Civil Liability and remedy available to me for " Negligent Non-compliance '' ( Section 617 ) if you fail to comply with this Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurate and misleading credit reporting. In XX/XX/year>, XXXX reported XXXX separate student loan tradelines as XXXX  days late on my credit report. These accounts are part of the same federal student loan group and only XXXX payment was missed, yet I was penalized with XXXX separate entries. 

This type of duplicate negative reporting significantly damaged my credit score. It is misleading, as it makes it appear that I missed multiple loan payments when in fact only XXXX group payment was due. This practice is harmful, particularly when all accounts are serviced under the same provider and loan program. 

Furthermore, I did not receive proper communication about the resumption of repayment. I had moved following the death of my husband and was not informed via mail or otherwise that payments would be due again prior to XX/XX/year>. I was under the impression, based on federal student loan pause communications, that deferments were extended through XX/XX/year>. 

I am requesting that XXXX remove the duplicate late payment reporting and update all credit bureaus accordingly. This complaint is being filed under my rights as a Comsumer under the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of inaccurate or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
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 ).

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 2025-05-05 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: SC

Complaint narrative:
On XX/XX/year> I notice an account on my credit report didnt belong to me. This account XXXX XXXX XXXX XXXX in the amount of {$31000.00} i didnt open. I immediately did a XXXX XXXXXXXX report and ftc report and called the creditor. I have include a police report and ftc report and copy of my Drivers license. My information was taken from a breach yall had in your system.

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 2025-05-05 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: SC

Complaint narrative:
On XX/XX/year> I notice an account on my credit report didnt belong to me. This account XXXX XXXX XXXX XXXX in the amount of {$31000.00} i didnt open. I immediately did a XXXX XXXXXXXX report and ftc report and called the creditor. I have include a police report and ftc report and copy of my Drivers license. My information was taken from a breach yall had in your system.

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 2025-05-05 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6500.00}

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : Cease and Desist Notice & Dispute of Alleged Debt To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby demand that LVNV Funding LLC immediately cease and desist all forms of communication with me concerning any alleged debt. 
Be advised that reporting to any credit bureau ( XXXX, XXXX, XXXX, etc. ) constitutes a form of communication under 15 U.S.C. 1692a ( 2 ) and 1692c ( c ). Therefore, you are required to cease reporting or updating any tradelines related to this alleged debt as doing so would violate this cease and desist order.

Furthermore, under 15 U.S.C. 1692g ( b ), if you claim this debt is valid, you must cease all collection activitiesincluding credit reportinguntil you have provided proper validation of the debt. To date, I have not received legally sufficient validation or verification of this account. 
If you have reported this debt to any credit reporting agency, you are also obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) to report it as disputed.

Failure to comply with this cease and desist request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general, as well as potential legal action for violations of federal law. 
This is your final notice. Cease all communication and collection efforts immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation