vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I have been trying everything to keep my information safe and XXXX has not been helpful. I am a victim of identity fraud, my information was also compromised in the data breach, I have frozen my report and removed as much of my information as possible but yet, I am still responsible for all of these unauthorized inquiries which is heavily impacting my life. I have asked for proof on how the inquiries were made and have not received any documentation or any of the XXXX inquiries on my report. This is a violation of my constitutional and consumer right.

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 2025-01-11 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: GA

Complaint narrative:
I have been trying everything to keep my information safe and XXXX has not been helpful. I am a victim of identity fraud, my information was also compromised in the data breach, I have frozen my report and removed as much of my information as possible but yet, I am still responsible for all of these unauthorized inquiries which is heavily impacting my life. I have asked for proof on how the inquiries were made and have not received any documentation or any of the XXXX inquiries on my report. This is a violation of my constitutional and consumer right.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They are trying to collect a debt that is not mine, I was also informed that my information was leaked due to a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My information was sold to a third-party debt collector. my information was this was exposed on a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Personal Statement Personal Statement Personal Statement Personal Statement THESE INQUIRIES WERE UNAUTHORIZED AND I AM A VICTIM OF IDENTITY THEFT -XXXX XXXX XXXX XXXXXXXX -SXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Westlake Services, LLC
State: FL

Complaint narrative:
Personal Statement Personal Statement Personal Statement Personal Statement THESE INQUIRIES WERE UNAUTHORIZED AND I AM A VICTIM OF IDENTITY THEFT -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

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 2025-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I was told that the time frame for the equity loan I had applied for has run out and that I would now need to accept a different product with increases in interest rate. I was told that I had to do something about the dampness / mold and remove the mobile home in my property before they can complete the loan and this issues are resolved before they can give me the money.. I had the dampness/mold fixed and the mobile home removed .The appraiser came and did new inspection and submitted his report. Two weeks after the submission of the new appraisal and I called my loan officer for update that is the time he informed me I run out of time. This projects were very expensive. I was also told by the appraiser that he didn't report dampness/mold in my basement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXXXXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Greenback Recovery Group, LLC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$570.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
Im writing to formally dispute or sharing of my personal or financial information in violation of federal laws protecting consumer rights and personal information. 

Violations Cited 1. 15 U.S.C. 1681b Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law. 
2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute. 
3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law. 

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information. 
2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings. 
3. Cease any further unauthorized access, use, or disclosure of my personal or financial information. 
4. If applicable, immediately delete any records or information obtained unlawfully or without my consent. 

Next Steps If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with the Federal Trade Commission ( FTC ), or pursuing legal remedies. 

Please respond to this letter within a reasonable timeframe of 30 days Thank you for your prompt attention to this matter.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: NC

Complaint narrative:
I did not open. 
This account damage and information Send to credit bureau damaged my Is credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reached out to the company and requested any signed contract or document that gave them permission to pull my credit or make any credit inquiries on my behalf and received no reply or response via mail or email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I reached out to the company and requested any signed contract or document that gave them permission to pull my credit or make any credit inquiries on my behalf and received no reply or response via mail or email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I got some hard inquiries that I dont recognize some of them happen back to back, I will love if you can help get rid off them, thank you so much! 


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 ally financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have no idea what this is for! I see an old employer and my current on situation. If I do owe I would pay but 1st no idea what this is for and 2nd taking 25 % is ridiculous I mean specifically in today 's economy. But again have never herd anything about this .... at least that I know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I seen the ad it came up. I clicked on it to approve my credit. They asked me to pay XXXX some dollars at first, so I paid it. Nothing happened to my credit. They asked me to pay another bill for like XXXX some dollars aint nothing happen I asked them. Why is my credit not getting better but Im paying yall all this money Did nothing happen. I paid them XXXX and some dollars the last time I paid them and then I just stop paying them and just blocked all their calls because it wasnt nothing happening in my credit wasnt getting better. Wasnt nothing working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Subject : Formal Complaint Against LVNV Funding LLC for FCRA and FDCPA Violations To Whom It May Concern, I am submitting this formal complaint against LVNV Funding LLC for its continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting and attempting to collect on a fraudulent and unverified debt. 
Issues with LVNV Funding LLCs Conduct : XXXX. Failure to Validate Debt ( FDCPA 809 ) * LVNV Funding has failed to provide any documentation proving that I owe the alleged debt. 
* I have requested debt validation under the FDCPA, but they continue to report the account without proper verification. 
XXXX. Reporting Fraudulent Information ( FCRA 605B & FCRA 609 ( a ) ( 1 ) ( A ) ) * LVNV Funding continues to report a fraudulent collection account on my credit report despite my submission of an FTC Identity Theft Report and a Police Report. 
* No contract or proof of my obligation has been provided, which violates FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX. Illegal Re-Aging of Debt ( FCRA 623 ) * LVNV Funding has changed the original delinquency date to extend the time the account remains on my credit report, which is an unlawful re-aging of debt under the FCRA. 
XXXX. Failure to Report Disputed Status ( FCRA 623 ( a ) ( XXXX ) ) * LVNV Funding has failed to mark the account as disputed even though I have formally disputed the validity of this debt multiple times. 
Requested Action from CFPB : XXXX. Immediate CFPB intervention to enforce LVNV Funding LLCs compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
XXXX. A formal investigation into LVNV Fundings collection and reporting practices. 
XXXX. An order compelling LVNV Funding LLC to cease all collection activity, remove the fraudulent account from my credit report, and provide written confirmation of its deletion. 
XXXX. Compensation of {$10000.00} for damages caused by LVNV Fundings negligence, unlawful collection attempts, and repeated violations. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Highlighted Credit Report with Disputed Account I urge the CFPB to take immediate enforcement action against LVNV Funding LLC for its continued noncompliance with federal regulations and for the severe harm it has caused to my credit and financial well-being. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
I am writing to formally notify you of an attempt to collect on the alleged debt referenced below are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that these companies have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my request are as follows : Promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address they have on file. 

Account : 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: MO

Complaint narrative:
I have a credit report that says that I owe XXXX to concord service, I dont owe any money and I try to call to the number that appears on my credit report and no one answers only rings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$280.00} XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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