vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Notice to Cease and Desist XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX STOP All DEBT COLLECTION CALLS & NOTICES XXXX XXXX XXXX ( Acct-XXXX ) This letter is in response to all letters, emails, phones calls, or any other XXXX of communication where I've received notices from your orgainziation. In accordance with the Fair Debt Collection Practices Act, communication from your organization in regard to the debt you are attempting to collect. In response to this " Cease Communication '' letter, and in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collections efforts, or to notify me that a specific action will take place. If this alleged devt belongs to me, the please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on offical contact documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease commuincation, a lawsuite will be filed against you. This letter has been sent by certified mail with return also and shall be present to any court of proper jurisdiction if commuication continues. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX  {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), 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  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 telecommunications account opened at XXXX XXXX who sold account to XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an that appears related to the aforementioned identity theft. 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 explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: SC

Complaint narrative:
I enrolled in a debt settlement program with Five Lakes Law Group and paid over {$5700.00} in total, including program fees, monthly legal service fees, and account maintenance charges. Despite this, only XXXX of my enrolled debts was fully resolved, while the others remain partially addressed or unresolved. 

The company charged most of its program fees early in the process, including a {$670.00} full fee and multiple partial fees totaling over {$2600.00}, before fully completing services. I also paid monthly charges for legal and maintenance services for XXXX  months, yet received little to no documentation confirming settlement results. 

I requested details about how my payments were applied and which debts were resolved. The company provided some information, but used coded creditor names ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX ) and did not clearly explain the outcomes. In one case, I paid {$1600.00} toward a {$2400.00} debt, and only {$1300.00} was paid to the creditor, with no explanation of the {$260.00} difference. 

In addition, some final settlement amounts were higher than what was originally agreed, and I received no justification for those increases. Upon reviewing the contract, I found the terms heavily one-sided in favor of the company, allowing them to collect fees without clear obligations or transparency. 

I am requesting a refund of approximately {$2000.00} for services not properly delivered and unjustified fees, and I ask the CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX  XXXX Balance {$240.00} XXXX  XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX  XXXX Balance {$240.00} XXXX  XXXX Balance : {$13000.00}

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Immediate Deletion Demand for Account # XXXX {$570.00} To Whom It May Concern, I am formally disputing the collection account your agency is reporting under account number # XXXX, in the amount of {$570.00}. This item is being reported inaccurately, without proper validation, and may be time-barred under Illinois law . You are hereby directed to immediately delete this account from all consumer reporting agencies. 

LEGAL DEMAND FOR DOCUMENTATION & VALIDATION Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to provide full and complete validation of this debt. I demand the following documentation : A copy of the original signed contract binding me to this alleged debt A full payment history to justify the balance you are attempting to collect A bill of sale or assignment agreement proving your legal right to collect A complete chain of title from the original creditor to your agency The date of first delinquency to determine if the debt is within the statute of limitations for Illinois According to 735 ILCS 5/13-205, the statute of limitations on consumer debt in Illinois is 5 years. If the date of first delinquency exceeds this period, this account is time-barred, and any attempt to collect or report it may violate state and federal law. 
Generic billing summaries, screenshots, or spreadsheets do not meet legal validation standards under : FCRA 609 ( a ) ( 1 ) Right to full file disclosure FCRA 611 Duty to remove unverifiable information FCRA 623 Duty to report accurate information FDCPA 809 ( b ) Obligation to cease collection and validate debt upon request 15 U.S.C. 1681s-2 ( b ) Duty to correct and delete false information FINAL NOTICE 15 DAYS TO COMPLY You are granted 15 calendar days from the date of this letter to : Provide full legal validation of this account with the documents listed above Delete this account from XXXX, XXXX, XXXX, and any other credit reporting bureau if you can not validate Failure to comply will result in the following actions : Complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Complaint with the Federal Trade Commission ( FTC ) and Illinois Attorney General Civil action against your company for FCRA/FDCPA violations , emotional distress, and defamation This is not a request. This is a legal demand. Either provide legal proof or delete this account. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/year> I took out a loan with XXXX XXXX  to pay off a loan with CitiBank that had a much higher interest rate. The loan proceeds were transferred to two credit card accounts that I have with Citi as XXXX could not transfer directly to the loan. The funds arrived on XX/XX/year>. They created a credit balance on both accounts. 
After numerous phone calls and letters the balances still remain on my accounts and have not been released. I have asked for them to be transferred to the loan, transferred to my checking account or a check sent to me so that I can pay off the loan. Each time I am told the request will be reviewed and it will take either XXXX days or XXXX days. I have also faxed additional documents verifying that the funds were loan proceeds. However, the funds have been held for 30 days. As it now stands, this has cost me a great deal of interest that should not have been charged. I ask that d please investigate CitiBank and assist me with retrieving my funds.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
A call with someone pretending to be an XXXX agent, booking flights on my behalf. I kept communicating with him because he apparently had access to my account and had all the correct details about me. But when I saw that the agent had booked a completely different flight than he told me about on the call, I called him back to find out more about what the matter was. He then said I would have to pay some fees to them to get the flight changed. Later, when I realised and filed a complaint about this incident with the Department of Transport, XXXX got back to me saying, " ... we found that the phone number used during the call in question is not affiliated with XXXX. As such, any transactions or charges incurred as a result of that communication were not facilitated by us ... '' They also encouraged me to dispute the transaction, saying, " ... we kindly recommend reaching out to your bank, as they may be able to provide further assistance in disputing the charges ... '' However, the credit card company, DISCOVER, is saying that XXXX has told them this is a valid transaction. Thus can not be refunded, and the dispute can not turn out in my favour.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : SYNCB/TJX DC XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : SYNCB/TJX DC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation