vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX : LVNV Funding LLC Servicer : Resurgent Capital Services Dear Consumer Financial Protection Bureau , I am writing to formally dispute the response submitted by LVNV Funding LLC and Resurgent Capital Services regarding the above-referenced account replying to complaint XXXX. This account should of been taken off the credit reports by now.Their reply is not only dismissive and inaccurate, but it also fails to address the central issue : the account is being reported inaccurately and should be removed from all credit reports immediately. 

Resurgents explanation about the term open is a weak attempt to obscure the fact that this account is being misrepresented to credit bureaus as an open, active, collectible accountwhen in fact it is neither. The FCRA requires accurate, fair reporting, and this does not meet that standard. Furthermore, their continued attempt to shift the burden of responsibility to the consumer and credit bureaus is unacceptable. 

As for the mention of the IRS Form 1099-C, this is a red herring. My dispute is not about tax liability, but about the legitimacy of the debt being reported in the first place, the accounts current status, and the consistent pattern of abuse and misreporting from this entity. 

It is worth noting that LVNV Funding has an extensive and well-documented history of litigation across the United States for improper debt collection practices, misreporting, and violations of the FDCPA and FCRA. They have been sued by state attorneys general ( including New York, Maryland, and West Virginia ) and have settled or lost multiple class action lawsuits related to unlawful debt collection and misrepresentation of ownership. Case in point : LVNV Funding, LLC XXXX XXXX, where a Maryland court ruled against LVNV for attempting to collect on an account without a proper licensesetting a precedent for unjust enrichment and violations of state collection laws. 

The continued presence of this account on my credit report represents an ongoing injury. The CFPB must thoroughly investigate and compel the deletion of this inaccurate, disputed tradeline. LVNV Funding 's aggressive tactics, lack of transparency, and documented pattern of abuse are not new, and this case follows the same troubling pattern. 

I respectfully request that this matter not be closed without an in-depth investigation and a full review of LVNVs servicing records, documentation of chain of title, and any alleged validation. Without these, there is no legal basis for continued reporting. 

Please ensure this is escalated and handled accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
I previously disputed multiple accounts on my credit reports that contain inaccurate and incomplete information. Despite my formal disputes, the credit reporting agencies responded by stating that the accounts were verified as accurate. However, the specific errors I disputed were not corrected or modified, and the inaccurate information remains on my credit reports. I am not satisfied with how my disputes were handled. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit bureaus provide a detailed description of the procedures used to determine the accuracy and completeness of the information they verified. This includes the sources they contacted and the methods they used to conduct their reinvestigation of the accounts I disputed. 
The details of my request are outlined in the letter attached to this complaint.

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 2025-05-03 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I initially contacted XXXX XXXX  Ally Financial XXXX dispute the continued reporting of this account because it is no longer valid for inclusion in my credit fileit was paid in full XXXX  officially closed on XX/XX/year>. Despite this, Ally Financial continues XXXX report the account in a way that negatively impacts my credit report XXXX  score. As of todays date, this account still appears as open and/or derogatory, which is both inaccurate and misleading XXXX  potential creditors reviewing my report. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in compelling Ally Financial XXXX XXXX Correct the reporting of the account XXXX reflect that it is " Paid in Full XXXX XXXX  " Closed '' as of XX/XX/year>, or Remove the account entirely from all consumer credit reporting agencies, including XXXX, XXXX, XXXX XXXX if they are unable XXXX verify accurate reporting. 

This inaccurate reporting is adversely affecting my creditworthiness XXXX  financial opportunities. I am requesting a timely investigation XXXX resolution in accordance with the Fair Credit Reporting Act. 

Thank you for your attention XXXX this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I submitted a written request to Experian to correct the personal information in my credit file, including my name, date of birth, address, and Social Security number. I included all necessary documentation : a government-issued ID, proof of address ( utility bill ), and a copy of my Social Security card .

My request was compliant with the Fair Credit Reporting Act ( FCRA ), which entitles me to have accurate personal information reported. Despite this, Experian has not updated my file or provided a response. 

In contrast, TransUnion has already updated my personal information based on the exact same documentation. 

I am requesting that the CFPB assist in compelling Experian to correct the personal information on my credit report, and to provide a written confirmation and updated report.

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 2025-05-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-03 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying XXXX  understand some instances why the credit bureaus XXXX take some time XXXX respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-03 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX  investigate XXXX correct this, I XXXX pursue legal action under the FCRA XXXX  FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX  misleading 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 non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX CARD 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 2025-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When traveling internationally, I was unexpectedly charged {$190.00}. I did not expect this charge. I believe it was after I attempted to pay for a taxicab with my credit card ( an expected charge of {$30.00} ) which appeared to decline. I instead paid in cash. 

This charge occurred that same day, XX/XX/scrub>XXXX 

I attempted to resolve this twice, once on XX/XX/scrub>XXXX and again on XX/XX/year>. Both of these claims were denied, on the basis I did not receive a receipt for the cash transaction that occurred instead. 

Bank of America claims you are not liable for charges you did not authorize. I did not authorize this charge of {$190.00}. Thus, I should not be liable for this charge, regardless of whether I requested a receipt from a taxicab driver from a cash transaction.

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 2025-05-03 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX CARD 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 2025-05-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received an adverse action email from XXXX XXXX, XXXX, and I demand answers. First, it is completely unacceptable that I was not notified prior to the hard inquiry. I have made it explicitly clear to Experian, Equifax, and TransUnion that I do not authorize such actions, as confirmed by my credit reports. Additionally, I want to state unequivocally that I never applied for an auto loan with this institution. Given that my personal information has been breached XXXX times, this situation is entirely unacceptable. The credit reporting agencies must take accountability and adhere to their stated policies. This deserves immediate attention, as it is a serious violation of my privacy rights. 

At this moment, I am facing significant challenges in securing approval for a vehicle, obtaining my desired employment, and finding a suitable place to live. These difficulties primarily stem from ongoing issues with data validation from various furnishers, a concerning number of data breaches, and instances of identity theftall of which are impacting my situation. Given these challenges, I am determined to seek legal counsel to advocate for my rights and effectively navigate these complexities. I firmly believe that with the right support and guidance, we can find a constructive resolution to these pressing concerns, enabling me to regain stability and move forward with confidence.

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 2025-05-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal identifying information was compromised as a result of the Equifax data breach that occurred in 2017. I was notified that my full name Social Security number date of birth and other sensitive information were exposed during the breach. Since that time, I have experience unauthorized activity involving my credit and financial accounts, which I believe is directly connected to the issues of my information obtained during I did not authorize any of the suspicious accounts or transactions that have appeared on my credit report. And I have reason to believe that my identity has been fraudulently used by someone else. I am filing reports to formally document the identity theft, and to take necessary steps to protect my credit, dispute, fraudulent accounts, and prevent further misuse of my information. I have asked the CRA 's for validation however that has not been provided. I have submitted a FTC complaint reporting the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I ORDERED A NEW VENMO XXXX & THAT COMPANY WAS STILL ABLE TO CHARGE MY ACCOUNT. THIS NEEDS FIXED. I WANT MY XXXX MONEY BACK NOW. THIS IS GETTING RIDICULOUS. THEY DENIED NY DISPUTES SAYING IT'S WAS AUTHORIZED. HOW? YOU CAN'T. 

I ORDER A NEW CARD & YET VENMO STILL TAKES MONEY FROM MY ACCOUNT. HOW IS THAT POSSIBLE? 

I CONTACTED THE COMPANY ( ZIP/ZEP ) NO REPLY. 

I WANT MY MONEY BACK.

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 2025-05-03 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying XXXX  understand some instances why the credit bureaus may take some time XXXX respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX  I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation