vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To Whom It May Concern at LVNV Funding LLC, I am filing this complaint because LVNV Funding LLC is inaccurately reporting a collection account on my credit report, which appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Details : Debt Buyer : LVNV Funding LLC Account # XXXX Balance Reported : {$880.00} Date Opened : XX/XX/XXXX Current Status : Collection account, past due I am formally requesting debt validation under 15 U.S. Code 1692g ( FDCPA ) and accuracy in credit reporting under 15 U.S. Code 1681s-2 ( FCRA ).

Under FDCPA 809 ( 15 U.S.C. 1692g ) : You are required
to provide the following : 1. A copy of the original signed agreement that proves I am legally obligated to this debt.

2. Full account history, including charge-off details and how the {$880.00} balance was calculated.

3. Documentation showing chain of assignment proving LVNV Funding LLC has the legal right to collect this debt.

4. The name and contact information of the original creditor.

Until you can provide this documentation, you must cease collection efforts and refrain from further reporting to the credit bureaus.

Under FCRA 623 ( 15 U.S.C. 1681s-2 ) : You are required to report accurate and verifiable information. If you continue to report unverifiable or inaccurate information to XXXX  or any other bureau, you are in violation of the FCRA.

If this account can not be validated within 30 days, I am demanding : Immediate removal of the collection account from all credit reporting agencies. 
That you cease all collection efforts permanently. 
Written confirmation of the accounts deletion or validation.

Failure to comply may result in further legal action, including additional complaints to the Federal Trade Commission ( FTC ), my State Attorney General, and, if necessary, civil claims for damages. 

I have included a copy of my ID and proof of address to assist with processing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I have multiple accounts that was sold to companies without them even letting me know what was going on some of the accounts I never even owned some one opened them with my information not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TN

Complaint narrative:
I am disputing multiple inaccurate and outdated items being reported on my Equifax credit report under the name XXXX XXXX XXXX XXXX. These include account status errors, unverifiable derogatory items, and unauthorized inquiries. 

XXXX XXXX This account inaccurately reflects XXXX late payments ( XXXX XXXX ). These entries are inconsistent with my payment records. I request a reinvestigation with full documentation and Method of Verification under FCRA 611 ( a ) ( 7 ). 

XXXX Account XXXX XXXX XXXX This collection account ( Acct ending in XXXX ) is being reported as unpaid on Equifax but has been removed from both TransUnion and Experian due to lack of verification. This inconsistency suggests either unverifiable or incomplete data is being used. It must be deleted from my file. 

Inquiries My report reflects unauthorized hard inquiries from XXXX Mortgage ( CCR/TRLBLZR ) and CoreLogic XXXX ( XXXX Mortgage ) in XX/XX/year>. I have no relationship with these entities, no credit applications were submitted to them, and a prior FTC complaint ( Ref # XXXX ) has been filed regarding these inquiries. These should be removed as unapproved and unverified. 



I am requesting the full Method of Verification for each disputed account under FCRA 611 ( a ) ( 7 ), including : The name and contact info of the data furnisher Description of the verification procedure Copies of all supporting documentation used ( payment records, billing statements, internal notes, etc. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
VA has legal underwriting protections that explicitly prohibit having the veteran take a negative action on existing loan claims ; meaning the refinance loan must directly benefit the veteran or the veterans support group in order for the refinance to be approved and successfully completed.

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 2025-06-22 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-22 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have never opened or used the accounts listed below. " I'm Requesting the following information to be deleted from my ChexSystem consumer report immediately I attached a copy of my report to this request the accounts consist of an Multiple Bank XXXX opened at SUNTRUST BANK XXXX. SUNTRUST BANK Banking XXXX # XXXX XXXX. SUNTRUST BANK XXXX # XXXX XXXX. SUNTURUST BANK Banking XXXX # : XXXX XXXX. SUNTRUST BANK Banking XXXX # : XXXX XXXX. SUNTRUST BANK Banking XXXX # XXXX an Bank Account at XXXX XXXX XXXX XXXX : XXXX XXXX Bank Account at XXXX XXXX BANK XXXX # : XXXX XXXX Multiple Inquires XXXX XX/XX/XXXX, TRUIST BANK XX/XX/XXXX, GEORGIA XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TRUIST BANK XX/XX/XXXX, TRUIST BANK XX/XX/XXXX, TRUIST BANK XX/XX/XXXX, TRUIST BANK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX TRUIST BANK, XX/XX/XXXX AUTO XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX CREDIT UNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX TRUIST BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/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 A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF 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 2025-06-22 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: GA

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 2025-06-22 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: SC

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my TRANSUNION, XXXX, and XXXX  Credit Report. My latest credit report shows 27 credit inquiries that I did not authorize. I am writing to dispute the following inquiry and asking for their removal from my credit report. 

TRANSUNION INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Product : Credit card Company : Capital One Issue : Billing disputes Auto-renewal without consent Your complaint : I am filing this complaint against both Capital One and a merchant named XXXX, regarding unauthorized charges, misrepresented services, and improper handling of my dispute. 

On XX/XX/year>, I was charged {$1500.00} by XXXX on my Capital One XXXX card for what was clearly stated and agreed to be a one-time service an advertising and automation setup. I paid for the full service in XXXX separate payments totaling {$4900.00}. However, the merchant later began charging me under an unauthorized auto-renewal that I never agreed to, and Capital One refused to reverse the charge. 

I never signed or acknowledged any recurring billing agreement. The merchant failed to : Obtain my express written consent to auto-renew. 

Provide advance notice of renewal, as required under XXXX  recurring billing policy. 

Provide a clear and accessible way to cancel future charges. 

To defend themselves, the merchant submitted a generic, unsigned terms and conditions document that was not the original agreement. I requested Capital One demand the actual contract with my signature, which was never provided by the merchant. Despite this, Capital One closed the dispute in favor of the merchant and rebilled my account for {$1500.00}. 

I provided : Email communication with the merchant proving the original agreement was for a one-time service. 

Evidence that the service was misrepresented and ineffective ( e.g., fake leads, unqualified contacts ). 

A termination notice ending our relationship due to poor service. 

Screenshots and data logs showing performance failures and internal attempts to resolve the issue. 

This merchant not only failed to deliver the contracted service they engaged in deceptive billing practices by attempting to convert the agreement into a recurring charge without disclosure or consent. This violates XXXX XXXX XXXX for recurring transactions and undermines consumer protections provided by the Fair Credit Billing Act. 

I am requesting that : Capital One reopen my dispute and credit the {$7500.00} charge. 

The CFPB investigate Capital Ones dispute handling process. 

XXXX be reviewed for violating Visas auto-renewal rules and deceptive business practices. 

I am prepared to provide full documentation upon request. 

Desired resolution : Refund of {$1500.00}. 

Investigation into Capital Ones dispute resolution policies. 

Correction of merchant behavior to prevent future abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw INQUIRIES reporting that I do not recognize nor authorize

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