vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Debt : {$670.00} XXXX Letter was sent and also a phone was made. 

Subject : Request for Debt Validation Dear LVNV FUNDING, I am writing to request validation of a debt you claim I owe, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I recently received a [ letter/phone call ] from your office regarding this debt, but before I take any action, I need to ensure that this claim is valid. 

Please provide the following information : XXXX. Proof that I owe this debt, including a copy of the original signed agreement or contract. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed account of the amount owed, including principal, interest, fees, and any additional charges. 
XXXX. Proof that your company has the legal right to collect this debt ( e.g., a copy of the assignment or sale of the debt ). 
XXXX. A full accounting of all payments made on this account, if applicable. 

Until you provide this information, I am disputing the validity of this debt. Please note that under the FDCPA, you must cease all collection activity, including reporting this debt to credit bureaus, until proper validation is provided. 

If this debt is valid, I am also requesting information regarding any available settlement or repayment options. If not, I expect you to remove any negative reporting related to this account from my credit report. 

Please send all correspondence in writing to my address listed above. 

Also the original debt collector did not have my consent to sale my account to LVNV FUNDING. After contacting LVnV FUNDING by phone I was advised they no longer have my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: FL

Complaint narrative:
To be told that I am responsible for my identity being stolen and I have to go out of my way to talk with someone is not acceptable. 
The company reported a collection account on my credit file that I do not recognize or believe to be inaccurate. 
I requested validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) to ensure the debt is legitimate. 
The company failed to provide proper validation ( e.g., original creditor details, signed agreement, or proof of debt ownership ). 
They refuse to remove the inaccurate item, despite their legal obligation to only report verified and accurate information. 
Their failure to comply with 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681s-2 ( FCRA ) is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IN

Complaint narrative:
Equifax is continuing to report inaccurate information on my credit report and does not match the XXXX and XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
XXXX. XXXX, XXXX XXXX. XXXXDEPT OF ED is listed XXXX different times of a missed payment, this is not accurate. 
XXXX. XXXX is also listed and not accurately being reported. 
XXXXXXXX XXXX XXXX XXXX {$120.00} XXXX. XXXX XXXX XXXX  {$160.00} XXXX. XXXX XXXX XXXX  {$160.00} XXXX. XXXX. XXXX XXXX XXXX {$220.00} There are a total of XXXX inaccuracies on the Equifax report that has not been removed and does not match my other credit reports. 
Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX and XXXX are unauthorized entities that have been granted access to ALL of my financial information. They have downloaded my ( and everyone else 's ) confidential personal and student loan data. This is a clear violation of the student loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TekCollect Inc.
State: CA

Complaint narrative:
There are XXXX companies currently reporting old accounts and inaccurate information on my XXXX and XXXX accounts. I have tried reaching out and they do not provide any information. 

XXXXTek-Collect INC. ( Our Lady of XXXX ) This collector keeps resetting the dates of this account that was opened in 2016 and was already satisfied in full to the original creditor which is Our Lady of XXXX. This account was opened on 2017 and when I reached out to please get a copy of their collections with the date it opened which was 2017 they refused. This account should've been taken out of my report since 2024. as per law code XXXX XXXX they are reporting inaccurate information and this should be removed from my XXXX report. 

XXXXXXXX XXXX XXXX ( XXXX XXXX ) I have reached out to this collections company as they are reporting inaccurate information that this account was opened in XX/XX/XXXX 2024. I have never opened an account with this company and as per law code XXXX XXXX they are reporting inaccurate information and this account should be removed from my experian report. 

XXXX & XXXX ( XXXX ) I have tried to reach out to this company as I have never had an account with XXXX before. I called XXXX and the address they have on file I have never lived in and is inaccurate. As per law code XXXX XXXXXXXX they are reporting inaccurate information and this account should be removed from my XXXX report. 

XXXX This company has reported XXXX CLOSED accounts with a balance and when I reach out to them to receive documentation of when these accounts were opened as I have never used their services they decline. As per law code XXXX XXXXXXXX they are reporting inaccurate information and this account should be removed from my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request that [ Collection Agency Name ] cease and desist all collection activities related to the alleged debt associated with [ XXXX XXXX XXXX ]. Additionally, I am disputing the validity of this account and requesting its immediate removal from my credit report. 

Upon reviewing my records, I have determined that this collection is inaccurate/unverified and is causing undue harm to my credit profile. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692c, I am exercising my right to demand that all communication regarding this matter cease immediately.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this account. If the debt can not be fully validated with accurate documentation, I demand its removal from my credit report with all three credit bureaus ( XXXX, Equifax, and XXXX ). 

Failure to comply with this request will result in me pursuing further legal action, including filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing that this collection account has been removed and that no further contact will be made regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-14 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
At end-2023, XXXX 's mattress sales were being Klarna promoted , as buy, make 12 months of no-interest payments, with purchase to be paid off in 12 months. I did not need the Klarna assist, but took it anyway. I made 12 consistent payments to pay off an approximate {$500.00} mattress.

The above was in addition to my store card, which I continued to use for purchases, paying off any/all balances when presented with the bill, so as not to incur interest charges. 

Somehow, XXXX 's mixed up the ( 2 ) accounts, taking Klarna funds to pay for store card purchases, then debiting my account with late fees, interest charges, etc. I have been a XXXX 's customer for 30+ years, have always paid off balances and never had problems with paying my XXXX XXXX account. 

I began noticing problems in XX/XX/year> when the balance for the mattress did not seem to be diminishing, but growing. Calls to CSRs consisted of CSRs reading off payments that were made, not associating amounts with actual merchandise or the Klarna mattress deal. In XX/XX/year> when the mattress was paid off, there was a large balance, over {$200.00}, said by XXXX XXXX not paid by myself. 

Since I paid for all the merchandise that I bought, paid off the Klarna mattress retail installment agreement, and asked XXXX 's what merchandise is still outstanding as not having been paid for, getting no reliable answers from XXXX XXXX, I am asking for CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
I am submitting this report to address incorrect details on my credit report. Equifax confirmed a system error that leaked my personal info, which was then misused. I've been denied credit as a result, and I request a resolution within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX and XXXX  was given access to my student loan records without authorization and permission. There is no authority for him to have access. He also does not have security clearance for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) I am writing to mandate the removal of inaccurate and unverifiable information appearing on my Experian Rent report and as reported by XXXX XXXX XXXX XXXX Specifically, an eviction record from XXXX at XXXX XXXX and a debt of {$13000.00}, opened on XX/XX/year>, have been erroneously reported despite the fact that this information was previously deleted from my Experian credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, consumer reporting agencies and data furnishers are required to ensure the accuracy and completeness of the information reported. Reporting erroneous information without verification constitutes a violation of my rights.

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 2025-03-15 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: KS

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment debt collection account with XXXX XXXX XXXX XXXX opened on XX/XX/year>. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I want to file a complaint that my student loan information was illegally obtained by XXXX. Thus is in violation of my contractual terms to protect my private information. My rights were violated through the higher education act, the privacy act of 1974 and FERPA policy.

Company response to consumer: Closed with explanation