vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am submitting this complaint because of inaccurate and incomplete credit reporting. On or about XX/XX/year> and XX/XX/year>, I submitted formal disputes through XXXX to a debt collection company called LVNV Funding as named as a furnished on my credit reports. The dispute was regarding the incompleteness and accuracy of the account 's open date and date of major delinquency failing to be reported in the tradeline 's payment history 's ratings entry. I was specific in my dispute, but the results of the dispute came back " verified '' while not actually being resolved. I have concluded that this issue constitutes a violation under the Fair Credit Reporting Act ( FCRA ) per section 1681s-2b for failure to conduct a reasonable investigation. I have reason to believe this is an act of willful non-compliance on the furnisher 's part considering multiple disputes were submitted each month consecutively. Additionally, this furnisher is also a " debt buyer ''. LVNV is under strict liability as it is regulated under the Fair Debt Collection Practices Act ( FDCPA ). Considering that the misreported, disputed information was verified while not actually being accurate constitutes a violation under the FDCPA per sections 1692e ( 10 ), 1692e ( 2 ) ( A ), and 1692d because LVNV failed to report complete and accurate information regarding the major delinquency status of the tradeline and the tradeline 's open date which are both missing from the payment history section of the disputed tradeline. In conclusion, this complaint is a result of inaccurate credit reporting and deceptive debt collection practices by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Equifax credit bureau is violating my rights under The Fair Credit Reporting Act ( FCRA ) by refusing to investigate disputes filed with CFPB. Equifax is refusing to investigate Complaint ID # XXXX filed on XX/XX/year> ; and Complaint ID # XXXX filed on XXXX/XXXX/XXXX. Equifax states in a letter sent to me and dated XX/XX/year> We were unable to locate a credit file in our database with the identification information you provided. However, Equifax is willing to identify me through financial corporations, collection agencies, and other reporting companies that are using inaccurate, fraudulent information to report to Equifax, damaging my financial wellbeing, and my reputation as a consumer. I believe the letter I have received from Equifax shows its unwillingness to properly investigate disputes reporting inaccurately to its credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately not XXXX consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accountable Finance Inc
State: TX

Complaint narrative:
I was the victim of identity theft, my personal information was stolen in a breach and used to open multiple accounts without my permission nor knowledge. These accounts include an XXXX, XXXX, XXXX etc ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 2025-02-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation 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 on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXXXXXX # XXXX - DATE OPENED 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 2025-02-19 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 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 explanation
Consumer complaint received 2025-02-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation 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 on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation 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 on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt is from a phone bill that was obtained in XXXX and sold to debt buyer and ended up getting charged off and removed from my credit report in XXXX and the second debt buyer which is Jefferson Capital Systems ended up buying this debt and reporting it on my credit report as a new debt Ive disputed this with this company and they refuse to make the corrections and it is now affecting my chances of purchasing a home because of their unprofessional practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed this problem on XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Account number : ***** When the account was opened : XX/XX/XXXX Account Balance : {$750.00} Account name : XXXX XXXX XXXX  Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$10.00} Account name XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$520.00} Account name : XXXX XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$670.00} Hard Inquiries Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry XXXX Inquiry name : Citi Cards Inquiry dateXXXX

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 2025-02-19 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: VA

Complaint narrative:
Points taken off without my consent or knowing why from XXXX to XXXX suddenly, XX/XX/XXXX / 2025 seems like they been checking my finances without a consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
I do not recognize this address- please remove thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Private information exposed publicly in recent events. Account information inaccurate. According to 15 usc 6801, The gramm-leach-bliley act. 15 usc 1681 ( b ). Non compliant with the FCRA. The total balance of {$12000.00} to be deleted from Trans union, Equifax, Experian profiles. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, infact exists.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX # XXXX Subject : Request for Debt Verification and Original Contract Pursuant to 15 U.S. CODE 1692 and 15 U.S. CODE 6802 Dear, Jefferson Capital Systems , LLC I am writing in response to your recent communication regarding the debt referenced above. I request verification of the debt and a copy of the original contract or agreement, as required under 15 U.S. CODE 1692 of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. CODE 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

Specifically, I am requesting the following : 1. A copy of the original signed contract or agreement that establishes the debt you are attempting to collect, including any terms and conditions that govern this obligation.

2. A detailed statement of the debt, including the amount owed, any fees or interest charged, and a history of payments made ( if applicable ).

3. Proof that you are authorized to collect on this debt, including any assignments or documentation that shows your legal right to collect.

4. Verification of the privacy protection of my personal financial information, in accordance with the Gramm-Leach-Bliley Act ( 15 U.S. CODE 6802 ) . Please provide information regarding how my financial data has been protected during your collection efforts, including the measures taken to comply with applicable privacy regulations.

Under 15 U.S. CODE 1692, I have the right to request this information within 30 days of receiving your initial communication. During this period, I dispute the debt and request that all collection efforts cease unless you provide the requested verification.

Furthermore, under 15 U.S. CODE 6802, financial institutions and their affiliates are required to establish privacy policies to protect consumer information. I ask that you confirm how you have complied with this requirement during your collection process. 

Until the requested verification and contract are provided, I ask that you CEASE and REMOVE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you CEASE and REMOVE all collection efforts entirely. 

Please respond within the 30-day period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the GLBA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I have reviewed and found to contain several discrepancies that need immediate attention and correction. It is crucial that my credit report reflects only accurate and verifiable information, and I have identified items that do not meet these standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
They have build up a {$60.00} charge to over {$160.00}. XXXX ran the scam by a bad cashier, it was corrected, then put back six weeks later by some one who did not know the correction. XXXX refused to pay back the bad bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I've contacted this company via email and phone I have yet to receive a response to anyone. XXXX XXXX XXXX doesn't belong to me. I have had XXXX XXXX XXXX  for 5 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
It's always some type of something where they are doing more then they supposed when they should not be messing with or up my finances at all, tht is very embarrassing, in it triggers at the wrong time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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