vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
To : LEGAL DEPARTMENT LVNV FUNDING LLC XXXX SC XXXX Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( s ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

You are legally obligated to provide, within 30 days, the following : 1. Verification of the alleged debt bearing my signature on the original agreement.

2. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history.

3. Proof of legal authority to collect in my state, including any required state licenses.

4. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt.

Failure to provide complete validation as required by 1692g renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

Be advised : Any continued collection activity, including credit reporting, without proper validation is unlawful.

You must immediately cease and desist from all collection and reporting activities until verification is provided.

If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus ( XXXX, XXXX, and XXXX  ).

Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages.

This letter serves as your final notice. You have 30 days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights.

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX as the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization Form, which expressly empowers me to act on his behalf in matters relating to credit disputes and CFPB complaints. UPSTART NETWORK INC. willfully and negligently reporting inaccurate and unverifiable information regarding Account No. XXXX to the credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the furnisher is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report information it knows or should know is inaccurate, failing to comply with 15 U.S.C. 1681s-2 ( b ) by neglecting to conduct a reasonable investigation upon notice of dispute, and disregarding 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires deletion of unverifiable data. Despite XXXX XXXX formal dispute letter demanding verification or deletion, the furnisher has refused to provide documentation establishing the accuracy of the account and has continued to furnish damaging false data. I request that the CFPB order UPSTART NETWORK INC. to immediately conduct a lawful investigation, produce complete verification of the account or permanently delete it from all credit reports, cease reporting any further inaccurate information, and provide written confirmation of compliance within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 follow-up complaint regarding an unauthorized entry on my credit file reported as XXXX XXXX  XXXX, dated XX/XX/2024. I do not recognize this account or inquiry, and I have no existing relationship with this institution that would justify its appearance on my report. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), a consumer reporting agency may only furnish a consumer report when there is a certified permissible purpose. I never applied for credit with XXXXXXXX XXXX XXXXXXXX, nor did I grant permission for them to access or report on my credit history.

This raises serious concern that the inquiry was made without a permissible purpose. Further, FCRA 619 ( 15 U.S.C. 1681q ) prohibits obtaining a consumer report under false pretenses. If this entry was added without legitimate authorization, it represents a direct violation of my rights under federal law.

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The report shows an eviction that should not be listed, as I have never had a eviction. 

This information is inaccurate and misleading, I have apply for apartment in it's reporting Eviction/Unsatisfied. 

Investigate this matter promptly. 
Remove the Inaccurate eviction entry from my credit report. 
Provide me with a corrected copy of my credit report once the error is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV Funding LLC/Resurgent Capital Services is reporting account # XXXX that originated with XXXX XXXX XXXX XXXX XXXX XXXX charged this account off, but LVNV Funding LLC/ Resurgent Capital Services claims XXXX XXXX XXXX  sold account to them and has continued reporting without providing any supporting documents despite my repeated requests for validation. I have sent multiple disputes and letters asking for proof of the debt, payment history, and a full chain of assignment, but LVNV has failed to provide any documentation. Their only response is boilerplate language claiming the account was purchased, without producing the required evidence. 

This inaccurate reporting is directly damaging my credit report, lowering my credit score, and causing denials for housing, transportation, and financial opportunities. LVNVs refusal to validate while continuing to furnish this information is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information be accurate and verifiable. Continuing to report unverifiable data is misleading and harmful.

I request that this tradeline be immediately deleted from all consumer reporting agencies, as LVNV has failed to meet its legal burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I received an email from Wells Fargo with my name claiming that a checking account had been opened successfully. The email looked legitimate, so I called Wells Fargo directly, and they confirmed that a checking account had been opened in my name using my social. They froze the account and are conducting an investigation for identity theft.

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 2025-09-15 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE XXXX  DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here are the items I am asking you to verify as accurate : TRANSUNION : [ Acct Name : XXXX XXXX  XXXX ] [ Acct # XXXX ] INQUIRY : XXXX - XX/XX/

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 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed. I was paying the loan {$710.00} a month but the loan amount was never going down. Before the repossession I went to XXXX  to speak with them. The representative then explained that I was paying for interest and fees and I would have to pay above the payment of {$710.00} before I could make a dent in amount of the loan. After being in contact with the bank and XXXX  for15 days I reclaimed my vehicle on XX/XX/XXXX from XXXX XXXX XXXX and found a hole in my tire, they made a spare key and had mark on the windows had taken all my belongings out and took of the license plates as if they were about to sell my car. Later that evening I discovered that the someone had broken into my steering column. I called the site where I picked up my vehicle and told them I needed to report more damages and they refused to let me do so. I contacted XXXX  and XXXX the bank and informed both of what happened. They both stated sorry nothing we can do. I'm frustrated my vehicle is damaged and I'm stuck in this loan agreement that seems rigged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$22000.00}

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 2025-09-15 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2800.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Account name : XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$930.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. 
My latest credit report shows 10 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-15 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am writing to formally request the blocking of information on my credit report that I believe to be the result of identity theft, pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This fraudulent information does not accurately represent my credit history, and I respectfully request its removal from my credit 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 2025-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: AL

Complaint narrative:
Accounts and Contact Notes : XXXX. XXXX XXXX XXXX : {$3900.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LA XXXX Phone : ( XXXX ) XXXX Note : I calledthis account has been turned over to XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-15 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: AZ

Complaint narrative:
TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Demand for Immediate Removal of Fraudulent Accounts FTC Identity Theft Report # XXXX To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and I have attached my official FTC Identity Theft Report ( Report # XXXX, filed on XX/XX/XXXX ) as proof. 

The following accounts were opened fraudulently and must be removed : XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX {$11000.00} XXXX XXXX Account ending in XXXX {$270.00} XXXX XXXX XXXX Account ending in XXXX {$1200.00} XXXX XXXX XXXX Account ending in XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1300.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to have fraudulent information resulting from identity theft blocked from my credit report. You are required by law to remove these fraudulent accounts within four ( 4 ) business days of receiving my identity theft report and this request.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against WELLS FARGO CARD SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, WFBNA 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 2025-09-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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