vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries : XXXX XXXX, XXXX, XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my XXXX/Equifax/XXXX  XXXX XXXX XXXX which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across XXXX/Equifax/XXXX  XXXX 

After reviewing my credit reports from XXXX/Equifax/XXXX, I noticed the following inaccuracies : Account info Account name XXXX XXXX  Account XXXX Account type Installment Date opened XX/XX/2019 Balance {$1400.00} Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/2019 Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all XXXX, Equifax, XXXX. While XXXX and Equifax reports different monthly payment history. XXXX reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ). 
I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days. 
The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms. 

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my ExperianXXXX credit reports , which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across ExperianXXXX XXXX 

After reviewing my credit reports from Experian/XXXX, I noticed the following inaccuracies : Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/year>XXXX  Balance {$1400.00} Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/year> Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all Experian, XXXX, XXXX. While Experian and XXXX reports different monthly payment history. XXXX reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ).

I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days.

The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms.

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Upon review of my credit report, it has come to my attention that LVNV Funding LLC has placed a collection on my consumer credit in the amount of {$1100.00} under the account # XXXX, and another in the amount of {$2000.00} under the account # XXXX, without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I have no knowledge of this alleged debt : Ive neither received nor been provided any services or products by LVNV Funding LLC, nor entered into any contractual agreement with them. I have not been provided any validation information from LVNV Funding LLC, and therefore have not been given a chance to dispute the alleged collection, yet LVNV Funding LLC has placed a collection on my credit report. If notice was sent, please provide a copy of the certified receipts with my signature. I hereby declare my revocation of all communication channels with LVNV Funding LLC, including text messages, emails, and phone calls. I demand all further communications exclusively be written correspondence. 
In line with my rights under the FDCPA, I am formally requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditor. 
Please provide documentation verifying the existence and validity of the alleged debt, including but not limited to : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Failure to provide this information within the legally mandated time frame will be considered a violation of my rights under the FDCPA.. 
The actions of LVNV Funding LLC shows clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding a swift deletion of these collections from my credit report, and requesting the CFPB thoroughly investigate and address these infractions. I expect prompt action on your part to address these concerns and adhere to the laws governing debt collection practices in written confirmation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a bank accounts ( both checking and savings ) statement and a debit card from Capital One around mid of XX/XX/year>. I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Global Lending Services continues to update an account of a vehicle repossessed in XXXX. This account was charged off, then written off to Profit Loss. As of XX/XX/XXXX, this account has been updated with a balance of {$7600.00}. If this account was written off as a Profit Loss, that means Global Lending Services has written this account off on their taxes. But, I never sent me a 1099C. Also, a charge-off should not have a balance. Also, this account has been reported on my credit report for 7 years and is at the statute of removal from my credit report from all credit reporting agencies. 

I have disputed this with Global Lending Services and they continue to update my credit reports with current late payments when this account has been closed and charged off. I have not received any resolutions and they continue to damage my credit by reporting late payments. 

Because this was Charge off/Written off as a Profit Loss. This is considered income. According to : 15USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are allowed to be on a credit consumer report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
on several occasions i have attempted to dispute the validity of the inaccurate and improper inquiries being reported by equifax and they keep sending me standardized reporting that is without merit. no one is looking at my dispute at the company they are instead using computers to investigate the dispute and its frustrating. 
i am a victim of identity theft and of the equifax and XXXX  data breach. someone without my knowledge or permission has attempted to finance a car in my name. i haven't visited a dealership is years and have not applied for or wanted a new car or to finance one. 

Equifax claims these are inquiries from companies to whom you have applied for a loan or credit this statement is a lie, not based in truth or facts and they refuse to cease and desist reporting false and misleading, inaccurate and fraudulently obtained information make them stop! 

its clear as day i never applied for credit because if the companies pull their false copies of information, theyll see applications for credit or a loan with just my first and last name, a clear sign of fraud because in all actual contracts, credit accounts and loans i use my full legal name, and this is how i know its my contract and i applied for said loan or credit, Any inquiries from fraudulent contracts with just my first and last name are fraud and it needs to be deleted and never falsely reported again to Equifax. 

i called XXXX  and they have deleted the w and misleading, fraudulent inquiries. 

i have a credit warning placed on my credit report files as well as a credit freeze, yet Equifax still chooses to report this false and misleading information. they wont even let a human conduct the dispute like asked them to do so in writing. they keep letting the XXXX computer conduct the dispute. it should be illegal to let computer conduct human related disputes, computers have no common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ), you are legally required to stop contacting me once this request has been received. 
This letter serves as my official notification that I no longer wish to be contacted regarding this matter. Please be advised that this request applies to all forms of communication, including but not limited to telephone calls, letters, emails, or any other method. 
You may only contact me to confirm that no further collection efforts will be taken or to notify me of specific legal actions you intend to pursue, if applicable. 
Failure to comply with this request may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. I also reserve the right to take legal action under the FDCPA for any violations. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
An unauthorized hard inquiry from Sams Club Business Credit Card appeared on my credit reports with XXXX and XXXX on XX/XX/year>. I did not authorize or initiate this inquiry, and it violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer consent for credit inquiries. 

I discovered this error while reviewing my credit report, and I have taken steps to dispute the issue directly with both XXXX and XXXX. Despite providing all necessary documentation, I have not yet received confirmation of the removal of this inquiry or adequate resolution. This unauthorized inquiry negatively impacts my credit profile and is a breach of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I am still awaiting the 1 time IDR adjustment from the DOED. Multiple tickets later they still have no updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: AL

Complaint narrative:
I am writing to formally request the investigation and removal of several unauthorized inquiries from my credit report. The inquiries listed below are not associated with any open accounts in my name, and I did not authorize these companies to access my credit information. I believe this may constitute fraudulent activity. 

The inquiries in question are as follows : 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 via Dealer ( duplicate ) XXXX. XXXX XXXX ( duplicate )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX which reports TransUnion information posted a late payment from XXXX that allegedly happened in XX/XX/XXXXXXXX  on XX/XX/XXXX. This is a two year delay in reporting accurate information. My payment history has been 100 % during this time period and now it has changed. This is a violation of the Fair Credit Reporting Act 15 U.S.C 1681 which requires timely reporting. This is affecting my credit and the price I have to pay for credit. I am currently in the process of of purchasing a home and this will affect me negatively.

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