vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against LVNV Funding LLC, a debt collection company that has reported a debt of {$530.00} to the credit bureaus under my name. I have made a written request for proper debt validation, but LVNV Funding LLC has failed to provide any documentation or evidence supporting the legitimacy of this alleged debt. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I exercised my right to request validation of this debt. However, LVNV Funding LLC has not provided : The name and contact information of the original creditor A breakdown of how the amount of {$530.00} was calculated Any signed agreements or documents proving I owe this debt Proof that they have the legal authority to collect on it Despite their failure to validate the debt, LVNV has continued to report the {$530.00} collection to the credit bureaus, negatively impacting my credit score. This is a violation of the FDCPA and an unfair practice under the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB : 1. Investigate this matter promptly 2. Order LVNV Funding LLC to cease all collection activities 3. Immediately remove the unvalidated {$530.00} debt from all credit reporting agencies Please find enclosed copies of my debt validation request and any related correspondence. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CT

Complaint narrative:
I am submitting a formal complaint regarding an account listed on my credit report under the name Kikoff Lending LLC, which I do not recognize, nor did I authorize or open. 

According to my credit report, this account was opened on XX/XX/year>, and is now closed with a status of " charged off '' and a balance of {$180.00}. The account shows a credit limit of {$2500.00} and lists five months of negative payment history, with the last payment reported on XX/XX/year>. 

I want to make it clear that : I have no knowledge of this account. 

I did not sign up for or authorize any credit product with Kikoff Lending LLC.

I have never received communication, statements, or disclosures from this company.

This is deeply concerning as it appears to be either a case of identity theft or unauthorized account reporting, and it is negatively affecting my credit score.

I am requesting the following : That Kikoff Lending LLC provide full documentation proving I authorized and opened this account, including any signed agreements, IP address information, or identification used to open the account. 

That, if they can not verify the legitimacy of the account, the entire account be removed from all three major credit bureaus ( XXXX XXXX XXXX XXXX ) immediately. 

That the CFPB assist with ensuring this potentially fraudulent account is investigated and resolved promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

I would also like to be notified of any further steps I need to take to ensure my credit and identity remain protected from further unauthorized use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Hi, I am reaching out to correct the inaccurate personal information on my credit report. These errors are affecting my ability to get approved for credit, and the ongoing issues have become extremely frustrating.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Summary of the problem : I am filing a formal and urgent complaint against Experian, Equifax, and TransUnion for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These agencies are knowingly reporting false, unverifiable, and damaging information on my credit report and have failed to conduct lawful reinvestigations after receiving my certified disputes. 

Disputed Negative Items Include : Serious Delinquencies ( XXXX days late ) listed on Experian and Equifax with no original creditor validation or contract. 

Recent Missed Payments marked on accounts I do not acknowledge and were not proven or documented. 

Excessive Credit Utilization noted across multiple accounts, exaggerated and used to depress my score without a lawful breakdown. 

Inflated Installment Loan Balances with no amortization detail or original loan disclosure. 
Unauthorized Hard Inquiry by XXXX on XX/XX/XXXX listed on my Experian report, which I never approved or initiated. 

These items were disputed and challenged under FCRA 609 ( a ) ( 1 ) and 611, yet the credit bureaus failed to provide any original documentation, signed agreements, or creditor verification which they are legally obligated to obtain and produce. 

Instead, they returned canned verified responses relying on automated matching systems, which do not meet the standards of a reasonable investigation as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

These actions are unlawful and constitute : Willful noncompliance under FCRA 616 Negligent failure to reinvestigate under FCRA 611 Continued reporting of unverified information under FCRA 1681i ( a ) Requested outcome : I am demanding that the CFPB open a full investigation into these bureaus and compel them to : Permanently delete all unverified or inaccurate entries listed above from my credit report ; Provide copies of all documentation they relied on during verification, including original contracts, statements, or inquiry authorizations ; Sanction or take enforcement action against the bureaus for their failure to comply with federal consumer protection laws. 

If no resolution is reached, I will preserve all rights under FCRA 616 and 617 and am prepared to seek legal counsel to pursue statutory, actual, and punitive damages in federal court. These violations are causing ongoing harm to my creditworthiness and access to financial services. 

Consumer Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-03 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize or approve. I have never applied for credit with the company responsible for this inquiry, and I did not provide them with consent to access my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is in reference to previously filed complainsts : # XXXX and XXXX. Both of these claims have been marked as closed without any resolution or explanation. Wells Fargo submitted a letter but did not address the concerns I raised. 

Additionally, the following claims remain open : Claim # XXXX filed on XX/XX/XXXX Claim # XXXX, filed on XX/XX/XXXX Claim XXXX Most recent Wells Fargo requested until XX/XX/XXXX to respond. As of XX/XX/XXXX at XXXX, I have not received a response. I also have never received verification that I authorized XXXX transactions between XXXX XXXX XXXX, totaling approximately {$11000.00}. 

In the meantime, I am experiencing SIGNIFICANT FINANCIAL HARDSHIP and am struggling to live my everyday life and to just pay my bills. I have been told to wait XXXX more days repeatedlyfor months now. This situation has become URGENT, particularly as we enter a holiday weekend. 

I am requesting immediate attention to this matter. Please provide a full update and resolution status for each of the claims listed above.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute excessive and unfair finance charges on my XXXX account. I took out a line of credit with a limit of {$850.00} and have been making payments since XX/XX/year>. Despite regular payments, my current balance is {$670.00} and Ive been charged over {$560.00} in fees this year alone. 

In my most recent billing cycle ( XXXX ), I made two payments totaling {$100.00}, yet a {$35.00} Statement Balance Fee was added. These fees are charged monthly regardless of my payment activity and are excessive. The structure of these fees and interest essentially makes it impossible to pay down the loan.

Please investigate and help resolve this issue. This debt is unaffordable, and the business practices involved are exploitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I opened an account for a credit card at the XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The card was used by me a few times at XXXX XXXX, XXXX, and other local stores. 

Shortly after I began using my new credit card, from XXXX XXXX, my purchase was declined. I went to the financial advisor at the XXXX XXXX desk and asked why the card was declined. The XXXX XXXX advisor called XXXX XXXX  and let me speak to a woman at the Bank. This person told me that the bank randomly chooses an account to monitor for fraud. So, I didnt use the card again because I thought the card was closed due to fraud. 

A few months ago I began getting numerous calls from unknown numbers. Finally I decided to find out who was harassing us. It turned out to be the Portfolio Recovery Associates group that bought my XXXX XXXX account to track down {$31000.00} in debt owed to XXXX on my credit card. 

I have been on the phone with the Portfolio Recovery group many times. Just this past week they sent a copy of the transactions that were placed on XXXX using my credit card number between XX/XX/XXXX and XX/XX/XXXX. I also noticed, going down the list of XXXX charges, that there was a balance transfer of {$5700.00} to a different credit card number. 

There were thousands of dollars in phone payments ( {$2800.00}, {$2400.00} {$520.00}, {$800.00}, {$1400.00}, {$2800.00}, {$2400.00}, {$2500.00}, {$3400.00}, and {$2800.00} ) along with page-long, numerous charges in XXXX XXXX XXXX FL. 

All of this was going on without my knowledge because I thought my account was closed. A person at the collection agency told me that the person, using my account, listed XXXX, FL XXXX as his/her address. ( I had to remove this address from my personal information at all three credit bureaus. ) I live on the opposite coast in XXXX XXXX, FL. 

A word to the wise : Always be sure that you CLOSE your account. XXXX XXXX  needs to do a better job of monitoring accounts for continuous fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following XXXX XXXX XXXX  Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX XXXX XXXX 


Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following XXXX XXXX XXXX Abolishment To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX 


Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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 2025-07-03 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following XXXX  XXXX XXXX Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX. 


Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This is my third time I am requested to TransUnion to block and delete the reinserted fraudulent auto loan account. They removed it and again reinstalled it back to my TransUnion credit reports. I have not received any approve or any documentation that this fraudulent auto loan belongs to me. This is a violation of the Fair Credit Reporting Act. XXXX XXXX XXXX - account no : XXXX * * * * is a fraudulent account and I request to all credit reporting agencies and creditor to block and delete this fraudulent information from my credit reports permanently and 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 non-monetary relief