vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt you have reported on my credit file. 1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt. Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold. Verification that you are legally authorized to collect this alleged debt. Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance. 2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k. 3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within XXXX  days or remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WI

Complaint narrative:
I am writing to formally dispute the inclusion of the account referenced below on my credit report. I believe this account is either inaccurate, fraudulent, and does not belong to me. Please review this account and remove it from my credit report. 
Account Name : XXXX Account Number : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL 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 2025-03-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> my Wells Fargo credit card account was compromised. {$1000.00} in credit cash advances were taken from my card and XXXX checking accounts were fraudulently opened in my name and the cash advances were subsequently transferred and withdrawn, via ATM, within XXXX hours of opening the fraudulent accounts. XXXX complaints were made on all XXXX accounts on the very same day. XXXX days later after speaking to several employees, most who had no clue what they were, and XXXX which hung upon on me, I have a total of {$1000.00} balance that should reflect as {$0.00} and XXXX information as to when my account will be made good.

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 monetary relief
Consumer complaint received 2025-03-31 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: AZ

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
A partial release of land was initiated in XX/XX/year>. As part of the partial release process, Dovenmuehle Mortgage specifies they must handle any necessary appraisals and that no owner-provided appraisals are permitted. Dovenmuehle ordered an appraisal after I paid {$550.00} for the service. This appraisal was received in XX/XX/year>, but the appraisal did not contain all of the necessary information as I was told by the Special Loans Administrator. My understanding from the Special Loans Administrator is that this was due to a Dovenmuehle internal clerical mistake with the appraisal order that they submitted. As the mortgagee, I have no way to verify any of their forms that were submitted on my behalf. Dovenmuehle Mortgage then requested I pay a second {$550.00} appraisal fee to correct their mistake. Without being the one to submit the appraisal, I have no ability to verify any truth to Dovenmuehles claims. Furthermore, no proof of a completed appraisal has been provided by Dovenmuehle for either the first or second appraisal, they appear to have cashed my check and not completed the appraisal as stated. The mortgagee should not be responsible for a clerical error on behalf of Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I am so tired of keeping track of my mortgage service provider. I went from American Mortgage to XXXX Mortgage to Mr. Cooper in a span of maybe XXXX to XXXX years and just read that Mr. Cooper is being bought out by XXXX XXXX  in a blockbuster deal of some {$9.00} XXXX dollars. Whilst it's great that the large corporations are filling their top executives massive pockets and stoking their egos it's the home owners who suffer through these service providers specially the elderly. Not only do our loan documents are keep changing but we have to make sure during the process the home owner stays up to date with their mortgage payments and on top of that the insurance companies have to be notified of the change so that escrow payments to collect city property taxes are paid every quarterly, As a home owner who is still paying mortgage payment every month this is additional burden to be put on by these mortgage companies who in the name of streamlining costs, boosting recurring revenue, and deepening customer loyalty are actually causing a lot of anxiety to home owners. They should compensate the home owners by lowering the interest rates which would ease the burden in this environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO is in direct violation of theThe Privacy act of 1974 and the following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

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 2025-03-31 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: NC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to file a complaint regarding the debt collection practices of XXXX XXXX XXXX. I have encountered several issues related to this debt, including improper reporting to credit bureaus, failure to respond to my debt validation request, and invalid contact information. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : Disputed Debt Reported to XXXX : XXXX XXXX XXXX reported a debt of {$840.00} on my credit report through XXXX. However, I had never received any prior notice of this debt before it appeared on my credit report. On XX/XX/XXXX, I disputed the debt with XXXX, and as a result, the account was deleted from my credit report. Same Debt Reported on TransUnion : A few days after the debt was deleted from my XXXX report, the same debt reappeared on my TransUnion credit report around XX/XX/XXXX. I disputed this debt with TransUnion on XX/XX/XXXX, and the dispute is currently pending. However, I have not received any validation or notice from XXXX XXXX XXXX in response to my dispute. Debt Validation Request Returned : I sent a debt validation request to XXXX XXXX XXXX via certified mail to the addresses listed on my credit reports from both XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX. Unfortunately, both of these letters were returned to me due to invalid addresses. The addresses listed on my credit reports are as follows : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX TransUnion Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX This failure to provide a valid address for communication constitutes a violation of my rights under the FDCPA and the FCRA, as I have not received the required notice or debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 XXXX  of XXXX by XXXX, XXXX XXXX XXXX ( MO ) 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, P.A XXXX. Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1000.00} Inquiries XXXX. Account name : XXXXXXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Subject : Inquiry into the loan instrument To Credit Acceptance, In reading 15 USC 1601, it has come to my attention that Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. In my endeavor to pursue an informed use of credit I have questions about my loan instrument.

My car loan note is considered a negotiable instrument. It is an unconditional promise to pay a fixed amount of money, with interest and other charges, payable to order, payable on a determined date and doesnt require any other acts to tender payment. My understanding is, when the car lending institution accepts my loan instrument, they record it as a deposit. Can you please confirm whether my loan instrument was recorded as a deposit. 
I appreciate your immediate attention to this matter, and the time you spend in addressing it. Please reach out to me as soon as possible at my email on 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV funding {$420.00} I did not have an account with this collection agencies. 

According to 15USC 1692cthey have violated my rights by in lawful communications please remove these collections off of my credit report thank you. 

I have reached out to them on several occasions delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was applying for a mortgage on XX/XX/XXXX. 2025. Within one XXXX  of the loan officer pulling my credit, my phone started to ring. He warned that the credit bureaus sell data. It is now 5 days later and I am still receiving calls and texts. To date, I have received over 110 phone calls and several dozen texts. In fact, Ive received two calls while typing this complaint. 

I have not authorized the credit bureaus to give my information out. This practice of selling trigger leads needs to stop.

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 2025-03-31 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 was applying for a mortgage on XX/XX/XXXX. 2025. Within one XXXX  of the loan officer pulling my credit, my phone started to ring. He warned that the credit bureaus sell data. It is now 5 days later and I am still receiving calls and texts. To date, I have received over 110 phone calls and several dozen texts. In fact, Ive received two calls while typing this complaint. 

I have not authorized the credit bureaus to give my information out. This practice of selling trigger leads needs to stop.

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 2025-03-31 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
I am owing more than XXXX times the value of the vehicle I purchased from the company. They have me at a 21 % interest rate. I have made payment plans with them but I'm struggling to pay them and I have requested for lower payments or even a refinance and they said that they do not offer any refinancing. Now I'm stuck with a {$5000.00} vehicle that I owe {$17000.00} on. Because they're failed to make XXXX payments in a row they are threatening to take action on repossession. XX/XX/year> if I don't have at least {$1700.00} of what I owe. Consumer portfolio services.

Company response to consumer: Closed with explanation