vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding a credit card debt that is inaccurately being reported on my credit file. This account does not belong to me, and I have never entered into any agreement with LVNV Funding LLC or any original creditor related to this alleged debt. 

On XX/XX/2025, I sent a Debt Validation Letter to LVNV Funding LLC via Certified Mail with Return Receipt Requested, as authorized by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This law gives me the right to request verification of the debt and mandates that the debt collector cease collection activities until they have provided such verification. 

To date, LVNV Funding LLC has failed to respond to my validation request. They have not provided any proof that the debt belongs to me, nor have they provided documentation showing a legal right to collect the alleged debt. Despite their failure to validate, the account remains on my credit report and is negatively affecting my credit score.

Under the FDCPA, LVNV Funding is in violation of 15 U.S.C. 1692g ( b ) by continuing to report the debt without providing the legally required validation. Additionally, reporting inaccurate or unverified information to the credit bureaus may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a reasonable investigation when a dispute is raised. 

I respectfully request that this account be removed from all credit reports immediately, as LVNV Funding LLC has not fulfilled its legal obligations to validate the debt and has provided no evidence that I am the responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) XXXX XXXX XXXX XXXXXXXX ( b ), billing error.

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 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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: CA

Complaint narrative:
Subject : Dispute Against Equifax Regarding Fraudulent XXXX Accounts I am submitting this formal complaint and dispute against Equifax regarding an accounts reported by XXXX XXXX that I believe to be fraudulent. Despite my repeated efforts, XXXX has refused to provide any documentation or evidence supporting the validity of these accounts. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, I am asserting my rights to request the blocking and removal of fraudulent information from my credit file. I am attaching an official FTC Identity Theft Report as required by federal law. 

As mandated by federal statute : Equifax is legally required to block and remove the disputed item from my credit report within four ( 4 ) business days of receiving this notice, along with the necessary documentation, under 15 U.S.C. 1681c2 ( a ). 
The refusal of XXXX to validate this account constitutes a failure to meet the burden of proof, and therefore Equifax can not legally continue to report this account. 

I am formally requesting that Equifax IMMEDIATELY block and permanently remove the XXXX XXXX accounts from my credit file and cease all reporting of this fraudulent entry. 

The attached documentation includes : My FTC Identity Theft Report A copy of my government-issued Equifax has no legal basis to continue reporting this account and is now on formal notice. Failure to comply with the federal requirements may result in further legal action or regulatory escalation. 

Please confirm receipt of this complaint and take the necessary action to bring Equifax into compliance with federal law. 
XXXX XXXX Social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
In XX/XX/XXXX, I discovered that Equifax, in conjunction with XXXX XXXX XXXX XXXX XXXX  's loan servicer, retroactively altered the payment history on my federal student loans. These accounts were previously reported as current from XX/XX/XXXX through XX/XX/XXXX, but were changed to XXXX days late in XX/XX/XXXX, despite no payments being due and no notifications of delinquency ever issued. This reporting is : Factually inaccurate, violating XXXX XXXX. XXXX ( b ) ( FCRA maximum possible accuracy ), Unverifiable, violating XXXX XXXX. XXXX ( FCRA duty to reinvestigate ), Illegally furnished education record data, violating XXXX ( XXXX XXXX. XXXX ), since the underlying loans are federally funded and protected as education records, Noncompliant with XXXX XXXX standards, since payment deferments or {$0.00} payments were active during the disputed period, and In breach of TILA ( XXXX XXXX. XXXX ) and XXXX ( XXXX XXXX. XXXX ), due to the absence of proper delinquency or adverse action notices. I have already filed a formal XXXX complaint with the XXXXXXXX XXXX XXXX XXXX, My State Attorney General and will also be filling a complaint with the XXXX. I am requesting the CFPB to immediately investigate and compel Equifax and XXXX to remove the late payment delinquency from my XXXX consumer report ; Provide evidence of verification or furnish legal justification for the reporting ; Cease and desist from further unlawful reporting practices. This inaccurate reporting is materially harming my FICO score and access to credit which is causing a great hardship in my life. I am demanding full correction and regulatory enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MO

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payments WFBNA AUTO ( Acct # : XXXX ) Dear XXXX Dispute Department, I am writing to formally dispute several late payments reported on my credit file associated with my WFBNA AUTO account ( Account # : XXXX ). According to my recent XXXX credit report, late payments are being reported for the following dates : Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Open Balance Reported : {$29000.00} Past Due Amount : {$1700.00} Last Payment Date : XX/XX/XXXX Status as of XX/XX/XXXX : {$1700.00} past due I respectfully request that you investigate the accuracy of this information. I believe that some of these late payments may have been reported in error or without sufficient verification. I have included screenshots from my XXXX report as evidence of the disputed items. 

If these late payments are found to be inaccurate, I ask that they be promptly removed from my credit report. If they are accurate, I kindly request that WFBNA AUTO consider a goodwill adjustment, especially considering the overall payment history and the financial difficulties I may have experienced during some of these months. I am committed to maintaining a positive credit history and am working toward getting the account current. 

Please inform me of the results of your investigation at your earliest convenience. I appreciate your time and 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 2025-05-20 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 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:
Formal Dispute of Inaccurate, Incomplete, and Unverifiable Accounts on Credit File

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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: AL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I got notification that Vance and Huffman put a collection on my credit report without contacting me and providing proof that I open a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report Re : Account # XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report. The account listed below is reporting information that I believe to be inaccurate and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Type : Auto Loan Opened : XX/XX/XXXX Current Status Reported : Charged Off with {$18000.00} past due as of XX/XX/XXXX Last Payment Reported : XX/XX/XXXX Disputed Issues : XXXX. The charge-off status and balance do not accurately reflect the payment history and recent activity. 
XXXX. Payment history shows inconsistencies ; several payments were made and should not be marked late. 
XXXX. The account continues to show a balance and past due amount even though it has been charged off. 

Under the FCRA, you are required to investigate and correct any inaccurate or incomplete information. I am requesting that you conduct an investigation and provide documentation from the original creditor to verify the accuracy of the reported data. 

If the information can not be verified, I respectfully request that it be deleted from my credit report. 

Please inform me of the outcome of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report Re : Account # XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report. The account listed below is reporting information that I believe to be inaccurate and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Type : Auto Loan Opened : XX/XX/XXXX Current Status Reported : Charged Off with {$18000.00} past due as of XX/XX/XXXX Last Payment Reported : XX/XX/XXXX Disputed Issues : XXXX. The charge-off status and balance do not accurately reflect the payment history and recent activity. 
XXXX. Payment history shows inconsistencies ; several payments were made and should not be marked late. 
XXXX. The account continues to show a balance and past due amount even though it has been charged off. 

Under the FCRA, you are required to investigate and correct any inaccurate or incomplete information. I am requesting that you conduct an investigation and provide documentation from the original creditor to verify the accuracy of the reported data. 

If the information can not be verified, I respectfully request that it be deleted from my credit report. 

Please inform me of the outcome of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your time and assistance.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally request the immediate deletion of several addresses from my credit report that are inaccurate, unverified, and not associated with me in any capacity. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), you are required to ensure the maximum possible accuracy of all consumer information you report. Additionally, under 1681i ( a ), you are obligated to reinvestigate any disputed information and remove unverifiable or erroneous entries. 
The following addresses do not belong to me, are either associated with family members or complete strangers, and have no legitimate connection to my credit file. I am requesting that you delete all instances of these addresses from my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX This is my mother 's address. I have never lived at this location, received mail there, or applied for credit using this address. Please delete all instances. 
XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX I have never resided at or been associated with this address. It is completely unrelated to me. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX This address has never belonged to me, and I have no personal or credit-related connection to it. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived at this location nor have I used it for any credit-related activity. Please delete all instances. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Same as above : this address is not associated with me in any way. 
These addresses are either the result of file contamination, identity confusion, or incorrect furnisher data. Continuing to report them as associated with my credit profile may result in harm to my creditworthiness and constitutes a failure to maintain accurate records as required by FCRA 1681e ( b ).

Legal Basis for Request : 15 U.S.C. 1681e ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

15 U.S.C. 1681i ( a ) : Requires reinvestigation and deletion of any information that is incomplete, inaccurate, or can not be verified within 30 days.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
My information was leaked due to a data breach. Im just now being able to take a look at my credit history and things arent as they should be.

Company response to consumer: Closed with explanation