vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
I am filing this complaint regarding a debt that LVNV Funding is attempting to collect, which is inaccurate and unverifiable. The account in question is for XXXX XXXX XXXX XXXX ( XXXX ), with an alleged balance of {$850.00} ( Account Number : XXXX ). LVNV Funding has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year>, I sent a formal debt validation request to LVNV Funding under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
XXXX. A complete account history from XXXX XXXX XXXX XXXX ( XXXX ), detailing the balance, charges, and payments.

3. Documentation proving that LVNV Funding has the legal authority to collect this debt.

4. Verification that the debt is not time-barred under state statute of limitations laws.

LVNV Funding has failed to provide any of the requested documentation. Instead, they have continued collection
efforts and reported this account to credit reporting agencies, violating the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This failure to validate the debt has caused harm to my credit score and financial standing. I believe LVNV Fundings actions are deceptive and unlawful under 15 U.S.C. 1692e.

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

Complaint narrative:
Packages have been sent out via certified mail to the XXXX  main credit bureaus and all XXXX  packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. 

The XXXX credit bureaus have not removed and blocked the accounts even though it has been beyond XXXX business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - XXXX XXXX - Equifax XXXX - XXXX XXXX

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

Complaint narrative:
Packages have been sent out via certified mail to the XXXX main credit bureaus and all XXXX packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft.

The 3 credit bureaus have not removed and blocked the accounts even though it has been beyond 4 business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - Experian XXXX - XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
All XXXX buroughs have received a letter from XXXX XXXX stating I am not responsible for this debt.I want it deleted asap.

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 2025-01-01 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. Specifically : Incorrect Address : My current address is listed incorrectly. Please update my address to reflect the correct information, as detailed above. 

Fraudulent Accounts : The following accounts are fraudulent and were not authorized by me : Eastern Account System Kickoff Lending These accounts are erroneous, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation into these accounts, and I request their removal from my credit profile without delay. 

Furthermore, I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which documents that my personal information was compromised in a data breach. This breach has resulted in unauthorized activity on my credit file, including the accounts listed above. 

In accordance with the FCRA, I expect : Confirmation that these accounts have been removed. 

A corrected copy of my credit report reflecting these changes. 

A detailed explanation of the steps taken to resolve my dispute. 

Please note that the inclusion of these accounts causes undue harm to my credit profile and financial standing. Their continued reporting constitutes a violation of federal laws, and I expect Experian to act swiftly to rectify this situation. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please contact me at my email Sincerely,

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 2025-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I received an email from XXXX XXXX with True accord about a debt from XXXX XXXX XXXXXXXX sold the debt to XXXX XXXX XXXX and XXXX sold it to True Accord. According the the Statue of Limitations of Pennsylvania 42-5525 ( a ) when the debt originated, the companies are not allowed to pursue the debt after 2 years. 

This account is more than 8 years old. The company also does not have the correct address nor do they have the correct telephone number for me as well. 

I also did not give XXXX nor any other company to sell my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I kindly ask for your consideration in removing late payment records from my account. I genuinely believe that this adjustment would not only represent my overall commitment to my financial obligations but also aid me in rebuilding my credit during this recovery period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was paying to have my credit repaired with Lexington law and never received the actual results from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
In around XX/XX/year> I called Sallie Mae for hardship programs. I am currently homeless and have been struggling with payments for my student loans. Even with my circumstance they did not offer forbearance and only offered a payment plan that INCREASED my monthly payment minimum. 
That did not help at all if im struggling already to meet the minimum payments.

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

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following accounts contain errors or inaccuracies that require immediate investigation and correction : Name : XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXXXXXX Account Number : XXXX Name : XXXX XXXX  Account Number : XXXX Name : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXAccount Number XXXX XXXX Reason for Dispute : I believe the information associated with these accounts is inaccurate for the following reasons : The accounts may not belong to me.

There may be errors in reporting the balances, payment history, or account status.

Possible fraudulent activity may have occurred without my knowledge.

In accordance with the FCRA, I request that the CFPB direct the relevant credit reporting agencies and data furnishers to investigate these accounts and provide verification of their accuracy. If the information can not be verified, I request that the entries be removed or corrected promptly. 

To assist in your investigation, I have enclosed the following documents : A copy of my drivers license for identity verification. 

A recent utility bill confirming my current address. 

A copy of my credit report highlighting the disputed accounts. 

Please notify me of the results of your investigation at the earliest possible opportunity. I trust that the CFPB will act in accordance with its mandate to ensure the accuracy and fairness of credit reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My debit card was fraudulently used on XXXX for an ammount totaling more then {$2000.00} I made a claim with Wells Fargo bank and they closed my claim within two days I battled a lot of hard ships because of this they told me they can not explain why

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My brother and I have a joint checking account. 
My brother passed away on XX/XX/XXXX. 
Beginning XX/XX/XXXX fraudulent photocopied checks were presented and cashed by Wells Fargo. 
Multiple checks show on the account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
On XX/XX/XXXX I reported the fraud to the Wells Fargo dept on Arizona and was told they would put a hard stop on the account and that I should go to the bank and close the account. 
Even after that on XX/XX/XXXX a fraudulent check was passed through the account. 
I went to the XXXX Oregon branch and was told I needed an appointment. 
I made an appointment and went back and after sitting with a banker for 20 minutes was told they couldn't do anything because it was a California account. I was finally able to close the account with phone support but not without a lot of hassle. 
Then they send me a letter saying they won't refund the money because too much time had passed even though I reported it 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 monetary relief
Consumer complaint received 2025-01-01 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: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 Equifax EQUIFAX/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 Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax 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 Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

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 non-monetary relief
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

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 2025-01-01 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: NY

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 {$1300.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$340.00} 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

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 2025-01-01 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: NY

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/year> [ XXXX XXXX Bank XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, UT XXXX Subject : Final Request for Deletion of Inaccurate Charge-Off Account # [ XXXX ] To Whom It May Concern, I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account # [ XXXX ]. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. 
I have provided a 1099-C form which confirms that the debt associated with this account was canceled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file.

The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. 
Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely,

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