vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Account information XXXX XXXX account number : XXXX Balance due : {$450.00} Current creditor : LVNV Funding LLC LVNV Funding LLC account ending in : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Original creditor account ending in : XXXX They keep sending me emails and various people to contact me to see what my income is and they keep wanting to know more information about me. Which I don't have to provide any details except what is needed in order to pay for the debt and at this current time I don't work and I apply to 3 jobs a week like I am supposed to and I still haven't got a job so that's not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this response to address Equifaxs inadequate handling of my recent credit report dispute. Their investigation results raise serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding their obligations under Section 623 ( b ) and Section 611.

Background I disputed several items on my credit report and requested verification and substantiation of the reported information under Section 609 of the FCRA. I reminded Equifax of their duty to ensure that all items reported are accurate, complete, and verifiable, as required by Section 611 ( a ) ( 1 ). However, their response failed to meet the legal standards set forth by the FCRA.

Equifaxs Response Equifaxs investigation results were as follows : Multiple items were marked as verified, but Equifax did not provide any supporting documentation or evidence from the furnishers substantiating the accuracy of the information.

One item ( XXXXXXXX XXXX  ) was deleted, but no explanation was given as to why it was deemed unverifiable. 
Certain items were reported as non-reporting, yet Equifax did not clarify whether these items had previously been reported in error or why they were included in the dispute results. 
Equifax stated that inquiries could not be removed, but failed to address whether those inquiries were reviewed for accuracy and permissible purpose under the FCRA. 
Violations of the FCRA Equifaxs handling of this dispute violates the following provisions of the FCRA : 1. Section 623 ( b ) : Duties of Furnishers of Information This section requires furnishers to conduct a thorough investigation when a dispute is received from a credit reporting agency. The furnisher must : Review all relevant information provided by the consumer and the credit reporting agency.

Verify the accuracy of the information.

Report the findings to the credit reporting agency.

If the furnisher can not substantiate the accuracy of the information, they must notify the credit reporting agency, and the information must be deleted or corrected.

2. Section 611 ( a ) ( 5 ) : Requirement to Delete Unverifiable Information Equifax is obligated to delete or modify any disputed information if the furnisher fails to provide sufficient evidence of its accuracy. Simply marking items as verified without substantiating documentation is insufficient and does not satisfy this legal requirement.

3. Lack of Documentation and Transparency For every item marked verified, Equifax failed to provide documentation or evidence showing the basis of the verification. This lack of transparency suggests that no substantive investigation was conducted, in direct violation of Section 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
Subject : Failure to Provide Debt Validation Notice and Improper Collection Practices Narrative : I am filing a complaint against Velocity Investments LLC for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper collection practices.

1. Failure to Send a Debt Validation Notice : Velocity Investments LLC has been attempting to collect a debt allegedly purchased from XXXX XXXX, yet they failed to send me a required debt validation notice within five days of their initial contact, as mandated by 15 U.S.C. 1692g ( a ). I have never received any written communication from Velocity Investments LLC regarding this debt.

2. Lack of Debt Validation and Proof of Ownership : I am disputing the debts validity and have sent Velocity a formal debt validation letter requesting : Proof of ownership of the debt, including a chain of assignment from XXXX XXXX to Velocity. 
The first date of delinquency for the debt. 
Compliance with state laws, including proof of licensing in Illinois. 

3. Continued Harm : The lack of validation and proper notice from Velocity Investments LLC has caused harm to my credit profile. Furthermore, XXXX XXXX continues to report the debt as a charge-off despite its transfer, creating confusion and double reporting.

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 2025-01-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has not provided me proper debt validation for this alleged debt. Also the credit bureaus did not provide me with a reason as to why the information on my credit report is accurate, they just said its accurate and did not provide my information on how they came to that conclusion same for the collection or credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Kikoff Inc.
State: TX

Complaint narrative:
This debt collector has not provided me proper debt validation for this alleged debt. Also the credit bureaus did not provide me with a reason as to why the information on my credit report is accurate, they just said its accurate and did not provide my information on how they came to that conclusion same for the collection or credit agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate and unverifiable accounts unresolved, including an auto loan with XXXX crest showing a balance of {$9500.00}. 



The auto loan pertains to a vehicle that was a lemon, with significant mechanical issues, including a hole in the oil bedpan, rendering it unusable within XXXX months of purchase. Despite my efforts to repair the vehicle and communicate these issues, the balance was sent to collections unjustly. Experian has refused to acknowledge or address this context, failing to remove or correct the account despite multiple disputes and supporting documentation. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses from furnishers, and neglecting to notify consumers of dispute outcomes adequately. 



These systemic failures align with my personal experience, as Experian has neither corrected nor removed inaccurate information from my credit file, further compounding financial hardship caused by this unresolved dispute.

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 2025-01-26 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: LA

Complaint narrative:
XXXX is reporting obsolete and inaccurate information on my credit report across all XXXX bureaus such as Account number- not the same High balance- dont match Last verified date- dont match Date of last activity- dont match Creditor remarks - none Late payments reflecting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am submitting this complaint against Experian regarding fraudulent credit inquiries that have been added to my credit report. These inquiries were made without my knowledge or authorization, and despite my repeated attempts to dispute them directly with Experian, these unauthorized inquiries have not been removed. 
I am a victim of identity theft and have filed an FTC Identity Theft Report to substantiate my claims. I have submitted multiple written disputes to Experian, requesting that these inquiries be removed, but they remain on my credit report. 
Below are the fraudulent inquiries I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/year> I have contacted Experian directly and requested the immediate removal of these inquiries. Despite this, Experian has failed to properly investigate the matter or remove these unauthorized inquiries from my report. 
Additionally, I have already escalated this issue to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), but I am yet to receive a satisfactory resolution. 
Complaint Details : I am a victim of identity theft and have filed an FTC Identity Theft Report as supporting documentation. 
Experian has failed to remove the unauthorized inquiries despite my written disputes. 
XXXX XXXX made an inquiry without my consent on XX/XX/year>, and I demand that it be removed immediately. 
I have already escalated this issue to the FTC and CFPB, but Experian has not addressed it adequately. 

Additional Information : Supporting Documentation : Attach your FTC Identity Theft Report and any relevant communication with Experian regarding the disputes.

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 2025-01-26 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: TX

Complaint narrative:
Experian, XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XXXX, XXXX dollars was stolen from my US Bank ReliaCard account by an individual using identity fraud to mail themselves my Reliacard and emptying out XXXX dollars. I went through the dispute process and submitted the dispute forms and was told it was processing and I would receive a response and my funds would be refunded when I called every week for around XXXX  months. Never received any follow up on my dispute or any refund or even any information on my dispute or case

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation