vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing regarding the continued inaccurate reporting on my credit file, despite my initial dispute and my Consumer Financial Protection Bureau ( CFPB ) complaint regarding these errors. 

Collection/Charge-Off Accounts LVNV Funding LLC ( Account XXXX Not Provided )- {$880.00} - Issue : LVNV Funding is known for purchasing debts with incomplete records. 
- Relevant Law : - 15 U.S.C. 1692e ( 8 ) Debt collectors can not misrepresent the validity of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
I had opened an account with the company Affirm a few years ago and made several purchases on my line of credit. When i became unable to pay, this company wrote off the charges and reported to the credit reporting agencys that i have several accounts with different amounts instead of the one account with one total amount as pictured on my affirm account, damaging my credit report further by creating separate and multiple accounts. Im not disputing the amount i owe, but creating separate accounts through separate loans with one credit line is fraud and bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This correspondence serves as a decisive and authoritative formal objection regarding the inaccurate tardy payment information documented on my credit report in relation to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX  that appears on my credit file. I have obtained an official letter from the court that clearly confirms this XXXX  should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This correspondence serves as a decisive and authoritative formal objection regarding the inaccurate tardy payment information documented on my credit report in relation to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

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 15 U.S.C 1681 section 602 A. 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 ) ( 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 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I been paying on my loan for around XXXX now and the balance is around the same as where it started at. Furthermore, wells Fargo transfered my loan with an escrow to XXXX XXXX XXXX and I was paying around {$350.00} dollars in XXXX. I was still with Wells Fargo and I had an escrow shortage when they ran their analysis around XXXX. My payment went up to XXXX some dollars. I then had progressive insurance which didn't work out that shorted my escrow more. Well long story short that was after my escrow analysis with Wells Fargo that ran in XX/XX/XXXX. Wells Fargo then transfers my loan to XXXX XXXX XXXX then they run another escrow analysis in XX/XX/XXXX bringing my payment up to over XXXX dollars. By the time XXXX got my loan I was only short on my escrow around XXXX plus XXXX for the insurance that did not work out. Well I handed XXXX XXXX XXXX in XXXX payments XXXX and another XXXX almost and they claim my payment will be around XXXX dollars starting in XXXX? How is this possible? How is it possible I been paying om my loan for almost 10 years not and it is still the same amount as when my loan first started. XXXX XXXX XXXX and Wells Fargo are not calibrating and they are running escrow left and right and then not allocating funds to where they should be. I am sending this same complaint to the FTC as I am XXXX XXXX XXXX and Wells Fargo. I will also be having my own lawyer and XXXX XXXX done by an outside source to figure out how I been paying on a XXXX loan and why 10 years late that loan is still at around XXXX. I want answers and I want them now. XXXX is not working with wells fargo and I am being charged way more interest then my fixed rate or something but I am going to get to the bottom of it as I just handed XXXX XXXX XXXX around XXXX to make up for my escrow yet they say my payment is not going back down to XXXX which should be lowered since my insurance was XXXX at XXXX and now is only around XXXX with XXXX. I will be submitting my complaint to the FTC today. I want to know what I been paying on for 10 years that I still owe XXXX when the original loan was only 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal dispute regarding the reinsertion of a previously deleted or corrected item on my credit report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the FCRA, if an item is reinserted into a consumers file after being deleted or corrected, the consumer reporting agency is required to notify the consumer in writing within five business days of the reinsertion. I have not received any such notice regarding the reinsertion of the following account : Account name : XXXX XXXXXXXX Account Number : XXXX and XXXX Date of Original Deletion or Correction : XXXX XXXX Date of Reinsertion ( if known ) : XXXX XXXX This reinsertion was done without the legally required notice and proper certification from the data furnisher, which makes it unauthorized and in violation of federal law. 

I hereby demand the following : 1. Immediate removal of the reinserted item from my credit report ; 2. A copy of the certification of accuracy provided by the furnisher that was used to justify the reinsertion ; 3. A written explanation of your reinsertion process and how this item was allowed back onto my report without proper notification ; 4. An updated copy of my credit report showing the corrected deletion.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These companies are reporting unauthorized inquiries that I never approved to be placed on my credit report or applied for credit. I am asking that these inquiries be removed immediately. The pirating of false and unauthorized information on my report has to be stopped. Under section US Code 1602p, 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), and 15 USC 1681c-2 XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 If these items are not deleted within 5 days under 15 USC 1681n ( Civil Liability For Willful Noncompliance ) I am liable for payments up too {$1000.00} and will not hesitate to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b"Hello. I've reached out about inaccurate information on my credit profile . These include inaccurate information: Names, addresses. I'm requesting that the information be permanently removed from my profile. XXXX, XXXX  and TRANSUNION have failed to provide updated information. INACCURATE INFORMATION: 1. INACCURATE NAMES: XXXX  2. INACCURATE ADDRESSES: 1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3 Ss# XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The company XXXX XXXX. XXXX  was sent a notice of cease and desist and continued to violate consumer laws 15 U.S.C. 1682 ( c ).

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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
Complaint number XXXX this case should not be closed and the matter is not resolved. The information this company sent over to CFB was literally created in 2025. Other documents have no date or signatures and are not original documents. I'm convinced no one even looked over the documents before considering this matter as resolved. I submitted my response which clearly states this matter is not resolved. The mere fact this company was willing and able to submit this false evidence over the to the CFB with no further investigation is absolutely wrong. Someone literally typed up this information and submitted it. They never addressed the refundable deposit and just randomly left a {$50.00} charge lingering and typed next to it application fee. This debt collector is proven to be just as crooked as XXXX XXXX again I am asking that this debt collector submit actual evidence of this debt with my signature on the dotted line showing that I owe this balance. Meaning, during the time I did this application I would have had to sign paper work for the application. I am requesting they submit to the CFB the actual documents from the day I did the application. Also address the lingering refundable deposit that was never returned in which they included in their paperwork, however never addressed it and just randomly left a balance of {$50.00} as if the {$200.00} dissappeared. Please do not close this matter without looking at all the evidence. If this debt collector is doing this to me there could be countless other Americans they are doing the same thing to. I would also like a detailed response on the steps taking to address this matter in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX  overcharged and also had a prior class action lawsuit because of unethical financial practices pertaining to students. It is causing an undue hardship on my life! 

I am writing to formally dispute the misrepresentation of my student loan account associated with XXXX XXXX, which is inaccurately affecting my credit report. Although XXXX XXXX  claims that this matter does not appear on my credit report, the account is clearly listed, showing accrued interest and amounts that should not exist based on the terms initially provided to me at the time of enrollment. 

This loan was facilitated through financial aid programs administered in partnership with XXXX XXXX. I was misinformed about the loan structure, repayment terms, and amounts owed. As a result, I have been overcharged and my credit has been negatively impacted. Furthermore, I was unaware of and ultimately missed participation in the class action lawsuit related to these same issues, which further prevented me from resolving the matter through that legal channel.

I am requesting the following : A full investigation into this loan and its reporting.

Immediate removal of any inaccurate interest or charges.

Correction or removal of the related entry from all three major credit bureaus, as it is unjust and misrepresented.

Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a written response confirming your receipt of this letter and outlining the actions you intend to take within 30 days, per FCRA guidelines.

Company response to consumer: Closed with explanation