vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC has been falsely reporting debts on my credit report with no validity of the origins and balances of original creditor of said debts allegedly owed by me. Upon request of verification of debts around XX/XX/XXXX and XX/XX/XXXX through credit reporting agencies, XXXX just told that the debts are mine with no proof or source of origin. This is predatory debt collection practices and not fair to me. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$830.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC LVNV FUNDING LLC Last reported XX/XX/XXXX {$1000.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC LVNV FUNDING LLC Last reported XX/XX/XXXX {$1300.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I opened a credit building account with money lion. In this installment it is a secured loan of XXXX. They give you a small percentage up front and then once the loan is paid they release the rest. 

I paid this account in full on XX/XX/year>. It was past due however no collection calls were sent nor was the account closed. 

After payment I was due {$850.00}. They never sent it. This erupted into a 2 month long battle where I had to submit personal bank statements to prove to them they never sent the money. They say they have now sent in but so far I have not received it. 

During these two months and the conversations there was no discussion of a charge off or anything negative with the account. But now that the installment has been " resolved '' they all of a sudden have reported the account as a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Made a inquiry to a charge from overseas. Customer service rep from XXXX erroneously put XXXX claims instead of XXXX. XXXX minutes to correct the problem then I called back to let them know I recognized the charge since it was listed under different business name. Wells fargo claimed I made XXXX claims absolutely made no due diligence to look into their error after being a customer for XXXX years and closed 2 accounts after 23 years as a customer. 
I had a balance of XXXX cents and they also charged me those XXXX cents for " questions, phone calls '' listed under processed transactions. It turns out as they have been a fraudulent bank opening accounts in other people 's name under my account they also were too lazy to find a legal way to close the account and decided to charge " Phone calls, question for XXXX cents which is illegal and not in any of their terms or agreement. This bank needs to pay for my damages of my irs refund being rejected for direct deposit now and having to amend my returns which puts me in a financial hardship. They have once again gone around the legal loopholes created to protect the consumers. The CFPB was established to advocate for those who don't have the means to hire expensive attorneys or accountants.

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 2025-02-20 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity, please investigate this immediately

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
I have a car lease with XXXX XXXX they stopped reporting my payments to the credit agency 's in XXXX after my bankruptcy was discharged even know im still makeing ontime payments to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
No agent on stand by lots of trouble with transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to Fifth Third Bank to wire money to my sister is XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX the transfer did not go through, however, I was charged a fee of {$5.00}. I went bank to the bank the next day XX/XX/XXXX, they did the wire again, it did not go through ; this time I was charged {$25.00}. I went bank on XX/XX/XXXX and did a third wire transfer ; I was charged another {$25.00} even though the wire did not go through. The following day XX/XX/XXXX I went to the bank and got a cashier 's check and overnight it to my sister. I tried to get the answers of why I was being charged if there was no service performed and the agent told me the problem was at the wire department. I was not very happy with the treatment so I moved my money to another bank and decided that I would close the account when everything was resolved. 
Before I was able to close the account they levied another service charge of {$230.00} on my account. 
Also, I received a deposit of {$91.00} on XX/XX/XXXX into my account and the bank also took my deposit. I have been to the bank six times and the only answer I received was that I have to talk to the wire department. I have also contacted an official at the head office by email and she is basically giving me the same answers. The branch is blaming the wire department and the wire department is blaming the branch. I am totally exhausted going back and forth. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
XX/XX/year>, I received a letter from Experian indicating that they did a reinvestigation of my disputes. My disputes were of the following for inaccurate name, which they were provided two forms of identification : my drivers license and my XXXX XXXX  In addition, I also disputed with them the telephone numbers and addresses that were listed and when they replied they only got rid of the telephone numbers however they are still mispelling of my name and the inaccurate addresses still show. I did attached the supporting documentation to validate my dispute and requests the records to be updated promptly.

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 2025-02-20 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-20 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experians failure to provide proof of reinvestigation in response to a dispute I filed concerning inaccurate information on my consumer credit report. To substantiate my claim, I provided proper identification documents, including my [ insert type of ID ] and proof of address. However, Experian has failed to make the necessary corrections, and my personal information remains incorrect on my credit report. 

The continued misreporting of my personal information has caused significant distress, as outlined below : Failure to Correct Personal Information : Despite providing proper documentation to Experian, my name and address are still incorrect on my credit report. This negligence by Experian has further compounded the issues I am facing with my consumer report. 

The failure to update and protect my personal details on Experians report indicates a serious breach of privacy and may suggest mishandling or unauthorized use of my personal information. Experians lack of action raises concerns that my identity may be at risk due to their inability to maintain the confidentiality and security of my private data.

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 2025-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I am writing to express my frustration regarding the ongoing issues I have encountered while trying to resolve my concerns with Lakeview Loan Servicing. Despite my repeated attempts to establish communicationspecifically XXXX attemptsI have only been fortunate enough to speak to XXXX representative. 

Most recently, on XXXX XXXX XXXX, I managed to reach a Lakeview Loan Servicing representative, but to my dismay, our conversation was abruptly cut off when she hung up. This experience has left me feeling dismissed and neglected as a customer. 

Furthermore, I have attempted to liaise with XXXX, the company managed by Lakeview Loan Servicing, but unfortunately, they are just as unresponsive. I find that none of their contact avenues lead to a satisfactory outcome, and during the XXXX call I was fortunate enough to receive from them, the representative I spoke with appeared to lack the necessary knowledge to assist me in addressing my concerns. 

Given that Lakeview Loan Servicing markets itself as a leader in mortgage management, I find it exceedingly disappointing that my experience has been anything but satisfactory. It seems that there are significant gaps in communication and customer support which need immediate attention. 

I would greatly appreciate a prompt resolution to my issues or a direct line of communication with someone who can assist me effectively. Thank you for your attention to this matter. I look forward to your swift response. THANK YOU CFPB.

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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In XXXX. XXXX  I removed my truck from XXXX XXXX XXXX, I was a lease operator under a XXXX XXXX XXXX. I removed all company decals and permits from truck XXXX and returned the licence plate. I also assisted their mecanic in removing the XXXX, witch took XXXX minutes. I have been wrongfully charged XXXX $ for XXXX removal, and would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-20 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: WI

Complaint narrative:
Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX  regarding the inaccurate reporting of account XXXX XXXXXXXX on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.

Company response to consumer: Closed with non-monetary relief