vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: UT

Complaint narrative:
Co-signed auto loan for ( ex ) with VW Credit in XX/XX/XXXX. Vehicle was traded in/ sold about XX/XX/XXXX and new vehicle purchase by ( ex ). Auto Loan shows closed on ( ex ) credit report. Loan still shows active with late payments and a remaining balance of approximately {$20000.00} for myself ( co-signer ). VW Credit unwilling to assist or update records as account was sent to collections department/ a bankruptcy attorney account. All this happened during my XXXX  XXXX  XXXX  from XX/XX/XXXX, till coming home for the holidays XX/XX/XXXX and finding out late payments on credit report. Trying to resolve and get it removed from my credit & already submitted disputes with credit bureaus. I am currently XXXX XXXX, thank you!

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2024 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX {$25000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX does not belong to me XXXX  Balance $ XXXX does not belong to me XXXX XXXX Balance $ XXXX does not belong to me XXXX XXXX Balance $ XXXX does not belong to me XXXX  Balance $ XXXX does not belong to me XXXX XXXX $ XXXX does not belong to me XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX did not authorize XXXX XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX Inquiry : XXXX XXXX, XXXX did not authorize XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX did not XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX. XXXX, XXXX did not authorize, has violated my rights.

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

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 — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App banned my account under the username XXXX under the email XXXX XXXX

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: NY

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Navy Federal Credit Union does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action to have this information removed from my credit report.

Exercise my rights under the arbitration agreement linked to this debt.

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Navy Federal Credit Union will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Equifax Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of 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: 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:
XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX. XXXX XX/XX/year> Resurgent Capital Services General Disputes/Correspondence XXXX XXXX XXXX XXXX, XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I.D # : XXXX Original creditor I.D # : XXXX Subject : Dispute of Inaccurate Information Reported by LVNV Funding LLC To Whom It May Concern, I am writing to formally dispute the reporting of a debt by LVNV Funding LLC on my credit report XXXX This account was associated with a legal case filed by LVNV Funding LLC, which was voluntarily dismissed by their attorney, resulting in the cases closure by the court. The account continues to appear on my credit report, which I believe is inaccurate and does not reflect the true status of the debt. 

Details : Account Name : LVNV Funding LLC Reference ID : XXXX Original Creditor : XXXX Case Dismissed : XX/XX/year> As this case was dismissed and no judgment was entered, I request the removal of this account from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy, fairness, and substantiation of reported information. Please investigate this matter with LVNV Funding LLC and update or remove the record as appropriate. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe under FCRA guidelines. 

Sincerely, XXXX XXXX.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've been a victim of Equifax XXXX Data Breach. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint of Deceptive Reporting Tactics Dear Equifax, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX Balance : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item. XXXX. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal. I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy. Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed. Enclosed, I have attached : XXXX. A copy of my credit report showing the previous dispute and removal of the original collection account. XXXX. Documentation of the new collection account added under XXXX XXXX XXXX. XXXX. My previous dispute letter, which led to the removal of the original collection account. I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again. Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C System XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Collection Account ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of the collection account reported under my name and appearing on my credit report. The account is listed as originating from XXXX XXXX XXXX XXXX XXXX but I do not recognize this debt and believe it may be fraudulent or reported in error. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I am requesting that you provide written verification of this debt, including : 1. Proof that I am the responsible party for the alleged debt.

2. A detailed account of the origin of this debt, including a signed agreement or contract with XXXX XXXX XXXX 
3. Documentation of all charges, payments, and correspondence associated with this account.

If you can not provide the requested documentation within 30 days, I demand that this collection account be removed from all credit reporting agencies to which it has been reported. Reporting unverifiable or inaccurate information violates the FCRA and may result in legal action.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting that you cease all communication regarding this matter unless proper validation of this debt is provided.

Please provide all responses in writing to the address listed above. If this debt can not be validated, I expect an immediate deletion of the account from my credit report, as well as written confirmation of its removal.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My information was compromised from a data breach ... XXXX.15 USC 1681

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: Improper use of your report — Reporting company used your report improperly
Company: Advantage Auto Sales, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Normal, Illinois, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification of Debt - ADVANTAGE AUTO SALES ACCOUNT # XXXX Dear XXXX, I am writing to formally request verification of a debt reported on my credit report. The account in question relates to an auto loan opened up with Advantage Auto Sales in XX/XX/XXXX Account # XXXX Upon reviewing my records, I believe that this debt is beyond the statute of limitations for collection in Illinois XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and the laws of Illinois, creditors are legally barred from pursuing legal action on debts that have surpassed the statute of limitations. 
Please provide me with : Documentation verifying the debt, including the original creditor 's name and the date of the last payment. 
XXXX. Confirmation that this debt is within the statute of limitations. 
If you are unable to provide this information, I request that you remove this account from my credit report, as it is potentially damaging to my creditworthiness. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation