vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am writing to formally demand the immediate removal of the disputed debt from my credit report. Despite my previous dispute, your company, Jefferson Capital Systems LLC, has failed to verify the debt and has not removed it as required under the Fair Credit Reporting Act ( FCRA ).

Jefferson Capital Systems LLC has a documented history of non-compliance with federal regulations. In XXXX, the Federal Trade Commission ( FTC ) filed a complaint against your company for deceptive practices, resulting in a settlement that mandated at least {$110.00} XXXX in consumer redress. 

Additionally, Jefferson Capital Systems LLC has faced multiple lawsuits alleging violations of the Fair Debt Collection Practices Act ( FDCPA ). For instance, in XXXX, a class action lawsuit was filed against your company for failing to disclose that it was not authorized to sue plaintiffs on their debts due to the age of the debts. 

Under the FCRA, you are obligated to ensure that all information reported to credit bureaus is accurate and complete. The continued reporting of this unverified debt constitutes a violation of my rights under the FCRA. 

I demand that you immediately remove this disputed debt from my credit report and provide written confirmation of its deletion. Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal action for damages resulting from your non-compliance. 

Please be advised that I am fully aware of my rights under federal law and will not hesitate to take further action if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is listed under XXXX, with account number XXXX. 



The inaccuracies in this report include : 1. Status of Account : The account is inaccurately reported as a repossession. I dispute this status as incorrect.

2. Past Due Balance : The report reflects a past due balance of {$20000.00}, which is incorrect.

3. Payment History : The reported late payments and derogatory marks do not accurately reflect my payment history.

4. Date of Last Activity : The date listed may not be accurate, affecting the overall reporting of this account. 



Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. Please provide documentation verifying the accuracy of this account. If the creditor can not verify the accuracy, I request the removal or correction of this information from my credit report. 



Attached, I have included copies of my credit report highlighting the disputed information, along with any supporting documentation. Please update my records accordingly and provide written confirmation of the outcome of your investigation. 



I appreciate your prompt attention to this matter. Please respond within the 30-day timeframe as required by the FCRA. You may contact me at the above address or phone number if additional information is needed. 



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 2025-02-08 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is listed under XXXX, with account number XXXX. 



The inaccuracies in this report include : 1. Status of Account : The account is inaccurately reported as a repossession. I dispute this status as incorrect.

2. Past Due Balance : The report reflects a past due balance of {$20000.00}, which is incorrect.

3. Payment History : The reported late payments and derogatory marks do not accurately reflect my payment history.

4. Date of Last Activity : The date listed may not be accurate, affecting the overall reporting of this account. 



Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. Please provide documentation verifying the accuracy of this account. If the creditor can not verify the accuracy, I request the removal or correction of this information from my credit report. 



Attached, I have included copies of my credit report highlighting the disputed information, along with any supporting documentation. Please update my records accordingly and provide written confirmation of the outcome of your investigation. 



I appreciate your prompt attention to this matter. Please respond within the 30-day timeframe as required by the FCRA. You may contact me at the above address or phone number if additional information is needed. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and also the equifax data breach I reviewed a copy of my credit report from equifax transition and Experian I noticed some accounts that are fraudulent I requested that theses accounts be deleted immediately There was an improper investigation done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 have been a victim of fraud and also the equifax data breach I reviewed a copy of my credit report from equifax transition and Experian I noticed some accounts that are fraudulent I requested that theses accounts be deleted immediately There was an improper investigation done

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
No Morgan chase gave us XXXX cards which were sold to us as credit cards not paid in full cards when we started using them and learned they were paid in full we contacted our banker who did nothing They then put a XXXX payment hit on my personal credit file when these were company cards Then they closed the XXXX card and a separate credit card with no notice both cards were business cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Formal Dispute of Charge-Off Under FCRA & Privacy Rights Dear TransUnion I am writing to formally dispute an inaccurate charge-off appearing on my credit report. The disputed account information is as follows XXXX XXXX  Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this charge-off, as I believe it is inaccurate, unverifiable, or misleading. Please provide evidence validating the legitimacy and accuracy of this charge-off, including original creditor records proving my contractual obligation to this debt.

Furthermore, under 15 U.S.C. 6802, financial institutions are prohibited from disclosing personal financial information without consumer consent. If this charge-off resulted from improper information-sharing practices, I request its immediate removal due to potential violations of my financial privacy rights. 
I request that you complete this investigation within 30 days as required by federal law and provide a written response upon completion. If this charge-off can not be properly verified, I demand its immediate deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ).

Enclosed are copies of my identification, credit report with the disputed item highlighted, and any supporting documents. Please update me on the status of this dispute at your earliest convenience. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
According to the XXXX an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. ( XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I did not authorize these XXXX hard inquiries on my credit profile. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX Subject : Dispute of Debt Dear transworld system Inc I hope this letter finds you well. I am writing to formally dispute a debt that is currently being reported under my name, I believe there has been a misunderstanding regarding the validity of this debt, and I would like to request further clarification and evidence to support the claim. 

According to my records, I have never opened this account, I kindly request that you provide me with the following information : 1. A detailed statement of the account, including the original amount, interest, and any fees that have been added.

2. Evidence of my obligation to pay this debt, such as a copy of the original contract or agreement.

3. Any documentation that supports the current balance owed. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt, and I would appreciate your prompt attention to this matter. Please note that I am keeping a copy of this correspondence for my records. 

I request that you cease all collection activities until this dispute has been resolved. I look forward to your timely response within 30 days from the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this is my third disputing inquiries within the last XXXX months. I keep getting inquires that I didnt approve. XXXX of which I told Experian that I didn't approve that lender to pull my credit. I was told that because I bought a car from a completely different lender, They can't delete that inquiry because the only lender that i approved to pull my credit on that day, which was supposed to be a soft pull from the only approved lender. Ended up no showing at all on my report. I was told that that lender might have shared my information ( without my consent- which is the definition of unauthorized ) with the other lender. 

That doesn't seem to be a legitimate excuse to allow that unauthorized inquiry to stay on my credit report. the following are the disputed inquires. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
this is my third disputing inquiries within the last XXXX months. I keep getting inquires that I didnt approve. XXXX of which I told Experian that I didn't approve that lender to pull my credit. I was told that because I bought a car from a completely different lender, They can't delete that inquiry because the only lender that i approved to pull my credit on that day, which was supposed to be a soft pull from the only approved lender. Ended up no showing at all on my report. I was told that that lender might have shared my information ( without my consent- which is the definition of unauthorized ) with the other lender. 

That doesn't seem to be a legitimate excuse to allow that unauthorized inquiry to stay on my credit report. the following are the disputed inquires. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft request removal and deletion of the listed accounts on my XXXX, Experian, and XXXX credit report.1. XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX XXXX ACCOUNT XXXX Opened : XX/XX/XXXX. XXXX AUT, ACCOUNT NUMBER : XXXX, Opened : 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
Subject : Formal Complaint Ongoing FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report for the ninth time. Despite my multiple reinvestigation requests, the inaccuracies remain, and your responses continue to state the information has been " verified. '' This is not the case, as the errors remain uncorrected, with inconsistent reporting dates across different credit bureaus. 

This failure to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) requiring a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring disclosure of the method of verification upon request. who verify the name and how it was verify 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information. 
Disputed Information : Creditor/Furnisher : XXXX XXXX XXXX Account XXXX : XXXX I will attach the evidence of all the inaccuracies Elan Financial reporting verify while the inaccuracies remains you have kept sending me these accounts are verify yet the account remain the same You refuse to do your your job and this has effected me Inaccuracies Remaining : different reporting dates across bureaus I have circled all the inaccuracies on the attachment Since your repeated responses fail to correct these inaccuracies, I am now demanding the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : How was this information verified? 
The name, contact details, and records used by the furnisher to verify this information. 
A copy of the verification proof used to confirm the accuracy of this account. 
Since you have failed to ensure accuracy and reinvestigate properly after multiple requests, I demand the immediate deletion of this account under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action under 15 U.S.C. 1681n & 1681o, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 
This is my final request before taking further action. Please confirm receipt of this letter and provide the requested verification details immediately.

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 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute Regarding Security Breach and Account Status Dear Consumer Financial Protection Bureau , I am writing to formally dispute the status of my accounts, which were impacted by a recent security breach. Despite the breach, my accounts are incorrectly marked as open instead of closed. This misinformation is causing significant inconvenience and potential harm to my financial standing - Current Status : Open ( Incorrect ) I kindly request that you investigate this matter and ensure that my accounts are correctly updated to reflect their closed status. Additionally, I would appreciate any information on the steps being taken to address the security breach and protect consumers from future incidents. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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