vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against XXXXefferson Capital LLC for Unverified Debt and Harassment Dear Sir/Madam, I am writing to file a formal complaint against Jefferson Capital LLC , a debt buyer that appears on my credit report under collections. I have no knowledge of this company or the alleged debt, and their actions have caused me significant distress. 

In XX/XX/year>2024, I received various phone calls from Jefferson Capital LLC and requested a validation letter for the debt. Despite my request, I never received any validation or documentation to verify the debt. Instead, Jefferson Capital LLC continued to report the debt on my credit report without providing the required validation.

When I called Jefferson Capital LLC to obtain more information, their representatives refused to provide the necessary details and instead began asking intrusive questions about my employer. They threatened to notify my employer of a wage garnishment for a debt they have not validated. This behavior is both harassing and in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation upon request and prohibits harassment.

The ongoing harassment and lack of validation have severely impacted me financially, professionally, and emotionally. I request the CFPB to take immediate action to address these violations and protect my rights as a consumer.

I respectfully request the following resolution : Immediate cessation of all harassing and threatening communications from Jefferson Capital LLC.

Proper validation and documentation of the alleged debt as required by law.

Removal of any negative information related to this disputed debt from my credit report.

A formal apology from Jefferson Capital LLC for the distress and inconvenience caused by their actions.

A guarantee that no further collection efforts will be made regarding this debt without proper validation.

Please find attached any relevant documentation, including records of communication with Jefferson Capital LLC and copies of my credit report.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year> - BALANCE {$380.00} Account Name : XXXX XXXX XXXX DATE OPENED 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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have initiated a complain with apple card ( ultimately Goldman Sachs bank ) about transactions for an online service for which i received a defective service. 
The vendor even acknowledge on several occasions that the service was not up to standards and offered vouchers as compensation which i refused since I wanted just the refund of the full amount. 

I have sent all the necessary documents and conversations Held with customer service. On the other hand I'm being refused the documents that would have been used to make a decision and refuse my claim. I am therefore asking for better transparency and still seek full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year> is a clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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 2025-02-23 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year> is a clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
I have previously disputed these two listed as XXXX XXXX XXXX  ( original creditor XXXX XXXX XXXX also known as XXXX XXXX XXXX or XXXX XXXX XXXX ). Also account XXXX XXXX XXXX  for ( original creditor XXXX XXXX XXXX Texas XXXX ) in which also has been under the names XXXX XXXX XXXX or XXXX XXXX XXXX. I am again making a complaint because I disputed these accounts on the grounds of identity theft I was involved in several data breaches that involved my name, DOB, social security number, address, bank information, telephone number, etc and even by specifying this information it still was not acknowledged by Transunion. The Data breaches were XXXX XXXX and XXXX, XXXX XXXX, XXXX around XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, data breach of XXXX with XXXX XXXX XXXX , data breach of XXXX XXXX XXXX , XXXX XXXX , XXXX, and XXXX XXXX XXXX In my CFPB account under one of my CFPB complaints/ case numbers that are still documented. I submitted this identity theft report before explaining these same issues. I even have statements listed in my credit report/ credit profile concerning identity theft. 
I have received letters from other accounts and the most recent ones from XXXX XXXXXXXX in which there were two credit cards open in my name around those same years of these 2 accounts I mentioned in this complaint. Those letters stated they investigated that the accounts were not mine and I was not responsible and that they were going to ask the credit bureaus to remove those accounts. I wrote letters and submitted documentation to the accounts that I am disputing/complaint now and other accounts. These 2 accounts/companies have not sent me anything regarding this matter.

I have even had issues with previous disputes I made that were proven that were not mine on my report that was removed in XX/XX/XXXX and check my credit report and it was back on there in which I had to call this month to get removed. Another thing was there was a employer that I have never worked for that was added last month I got it removed because I never worked there and I have been with my current company for years. And this month XX/XX/XXXX I checked and that same employer was added again and I had to call the credit bureau to get it removed again. So there is alot going on.

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 2025-02-23 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 
I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within XXXX days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MO

Complaint narrative:
Dear CFPB and Equifax Regarding Medical Debt Status of XXXX  charge off VIOLATION OF 15 USC 1681 ( I ) 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Each issue is on a separate complaint since Equifax doesnt thoroughly read complaints In XX/XX/year>2025, Congress and the CFPB finalized medical debt laws so that medical debt can no longer appear on consumer accounts I notified Equifax of the medical debt status of the XXXX  so that the tradeline line could be removed at once. Instead of.deleting the tradeline, Equifax change the name of the trade line and misrepresent to me that my XXXX tradeline was not appearing on my report. It definitely is still there. Furthermore, instead of deleting the item, they did a bogus investigation on the wrong account and for the wrong issue thus the medical debt status could not be verified. In addition, you have to talk to a live person to get them to tell you that its a medical debt issue because its not listed in a way that could be found on an electronic filing. Equifax should have contacted somebody in person to verify the medical debt status. I have verified the medical debt status with the agents working for Equifax however, the agents claim that the only ones that can remove the item is the dispute department. 
Because the medical debt status can not be verified without a physical phone call, and because Equifax simply did an electronic submission and on the wrong account and for the wrong reason, then the medical debt status can not be verified. It further couldnt be verified because Equifax failed to even read my complaint. Not only did they fail to consider the most relevant issue of the complaint but they also could not verify the issue with a electronic submission 15 USC 1681 ( I ) 5 states that if a credit reporting agency, such as Equifax can not verify information, it must be deleted at once. Therefore, Equifax must delete the XXXX XXXX XXXX tradeline Medical Debt charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX on my credit report, which I requested validation for on XX/XX/year>. In response, I received the following documents on XX/XX/year> : Itemized Payment Sheet ( with a statement at the top : the resource of this report item is not reachable ) This document fail to satisfy the Fair Credit Reporting Act ( FCRA ) verification requirements for the following reasons : 1. Failure to Provide Proof of Debt ( FCRA 609 ) The documents do not include a signed agreement or itemized account statement showing how the debt is calculated. XXXX XXXX XXXX did not provide sufficient proof that the debt is mine or that the amount reported is accurate, as required by FCRA 609.

2. Failure to Prove Debt Ownership ( FCRA 611 ) The itemized payment sheet states : the resource of this report item is not reachable, which indicates that XXXX XXXX XXXX can not access the necessary records to prove they have the legal right to collect the debt. This failure to provide evidence of debt ownership violates FCRA 611 ( a ) ( 2 ).

3. Failure to Verify Debt ( FCRA 611 ) Under FCRA 611 ( a ) ( 5 ) ( A ), a debt collector must verify the debt within 30 days. Since XXXX could not provide the required verification, they failed to comply with this section, and the debt must be removed from my credit report. 


NO MAIL please send all communications through cfpb portal with attachments

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report, I did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report, I did not open this account.

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 2025-02-23 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: NY

Complaint narrative:
These inquiries are not mines and never gave consent to any at all. XXXX XX/XX/XXXX. XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX 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