vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am attaching an FTC report here containing 5 fraudulent account. I listed in the FTC report the fraudulent inquiries as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 am attaching an FTC report here containing 5 fraudulent account. I listed in the FTC report the fraudulent inquiries as well.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable \investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as inaccurate : 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 XXXXXXXX

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was a victim of a sophisticated financial scam that resulted in fraudulent transactions totaling over {$28000.00} from my TD Bank checking account ( debit card transactions ). The scammer, XXXX XXXX, deceived me into believing that if I did not continue sending payments, I would lose all my previous funds. This was a case of fraudulently induced payments, not voluntary transactions. 

I submitted a fraud dispute with TD Bank, providing all necessary evidence, including a police report from the XXXX Police Department ( Report ID : XXXX ) proving that I was a victim of financial coercion. However, TD Bank wrongfully denied my claim, stating that my transactions were authorized.

TD Bank Credit Card has already recognized these transactions as fraud and is processing my dispute, yet my checking account claim was unfairly denied.

Under Regulation E ( Electronic Fund Transfer Act ), I believe I am entitled to consumer protection regarding my checking account transactions. I request CFPB to investigate whether TD Bank is failing to comply with Regulation XXXX and provide fair consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These attachments are proof these agency are willing doing illegal and bias on reports. Violations under TILA Formal Demand for Removal of Unauthorized Hard Inquiry Under **15 U.S.C. 1681b**, a consumer reporting agency may only provide a credit report for permissible purposes, such as when I have given express written consent. Since I never provided such consent for this inquiry, its presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, under **15 U.S.C. 1681n ( a ), 15 U.S.C. 1681n ( A ), and 15 U.S.C. 1681n ( B ) **, any person who willfully obtains a consumer report under false pretenses or without a permissible purpose is liable for statutory damages, punitive damages, and attorney fees. This means that you too are in violation of federal law by continuing to report this unauthorized inquiry. 

I demand the immediate removal of this inquiry from my credit report. Failure to comply within **30 days** of receiving this letter will result in me pursuing legal action against all responsible parties, including but not limited to, filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and my **State Attorney General 's Office**.

I have attached a copy of my credit report highlighting the disputed inquiry, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of this unauthorized inquiry and provide a numeric FICO score.

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 2025-02-11 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: MO

Complaint narrative:
PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC, care of Resurgent Capital Services L.P., regarding a fraudulent account that has been wrongfully attributed to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LVNV Funding LLC is attempting to collect on an account that does not belong to me, and they have reported it to the credit bureaus under an address that is incorrect and has never been associated with me. 

Despite my previous disputes and requests for verification, they have failed to provide legally sufficient proof that I am the rightful owner of this account. Instead, they have only provided a bill with my name and the incorrect address, which does not constitute legitimate validation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) or the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

Violations of Consumer Protection Laws : Failure to Provide Adequate Proof of Ownership ( 15 U.S.C. 1692g ( b ) ) Under the FDCPA, a debt collector must provide competent evidence that a debt is valid and belongs to the consumer. A bill with incorrect address information is insufficient proof.

Reporting Inaccurate Information to Credit Bureaus ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Furnishing inaccurate information to credit reporting agencies is a violation of the FCRA. LVNV Funding LLC has reported a debt under an incorrect address, raising concerns about data integrity and fraudulent reporting.

Failure to Investigate My Dispute ( 15 U.S.C. 1681i ( a ) ) I disputed this fraudulent account, yet LVNV Funding LLC and Resurgent Capital Services have failed to conduct a reasonable investigation or provide legitimate proof of ownership beyond an invalid bill.

Furthermore, I have never lived at the address associated with this account. In fact, my government-issued ID, which was issued in XXXX, lists my correct address XXXX XXXX XXXX XXXX XXXX IL XXXX making it impossible for me to have received mail at the incorrect address you are using. This raises serious concerns about the accuracy of your records and potentially fraudulent activity. 

HOW CAN I OPEN UP XXXX XXXX IN XXXX AND XXXX XXXX XXXX IN XXXX IF I NEVER LIVED THERE ACCORDING TO MY ID AND BILLS? HOW WILL THE BANKS SEND ME MY CREDIT CARDS OR BILLS IF I LIVED AT XXXX XXXX XXXX SINCE XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS?

I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions., 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: U.S. BANCORP
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions., 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2025-02-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.

Hard Inquiry Removal XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry Dates XXXX XXXX, XXXX XX/XX/XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello there. I found several items on my credit report that I believe were fraudulent charges that were applied to my account without my consent. I need these items removed from my report to avoid negative impact on my credit score. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello there. I found several items on my credit report that I believe were fraudulent charges that were applied to my account without my consent. I need these items removed from my report to avoid negative impact on my credit score. Thank you for your time and assistance.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a formal complaint against Jefferson Capital, LLC regarding their attempts to collect debts from me without proper authorization. Jefferson Capital , LLC does not have a license to collect debts in the state of Virginia, and I have never had an account with them. Despite multiple requests, they have failed to provide proof from the original creditors demonstrating their legal authority to collect these debts.

The accounts in question are as follows : Jefferson Capital, LLC Account # : XXXX | Original Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX | Original Creditor : XXXX XXXX I have repeatedly requested validation of these debts, including documentation from the original creditors proving that XXXX XXXX XXXX XXXX owns the debt and has the legal authority to collect it. However, they have failed to provide such proof, yet they continue to report these accounts to the credit bureaus, negatively impacting my credit standing. Since Jefferson Capital , LLC is attempting to collect debts without proper licensing in Virginia and has failed to validate the debts as required under the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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