vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

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 2025-05-18 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: UT

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC is reporting a debt on my credit report that I do not recognize and have no contractual relationship with. I have never signed any agreement or authorized any account with them, and I only discovered this alleged debt when I reviewed my credit report. 

I formally disputed the debt in writing and requested proper validation, specifically asking for a copy of the original signed contract. LVNV Funding LLC has not provided any proofno contract, no explanation, nothing. Yet they continue to report this unverified debt, harming my credit score and causing significant emotional distress. 

Their lack of response and continued negative reporting feels not only negligent but coercive. By damaging my credit without providing evidence, they appear to be using pressure tactics that resemble extortion forcing payment by threatening financial harm. This behavior raises serious concerns about racketeering-like practices, where false or unverified debts are leveraged to extract money from consumers who are left with few options. 

Given the complete lack of documentation and the fact that I never opened any account with LVNV Funding LLC, I now believe I may be a victim of identity theft. There is no other explanation for how this debt could appear under my name without my knowledge or consent. 

LVNV Funding LLC has also ignored the timeframe set by the Fair Credit Reporting Act ( FCRA ) for responding to disputes. I believe they are in clear violation of federal law by reporting inaccurate and unverified information. 

I respectfully request that the CFPB investigate this matter and require LVNV Funding LLC to either provide full, documented proof that I am legally responsible for this debt including the original signed agreement, or remove the account from all of my credit reports immediately. 

Thank you, Your assistance is truly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Immediate Deletion Pursuant to XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern, I am submitting this formal dispute regarding an inaccurate and unverified account currently reported on my credit file by XXXX XXXX XXXX, XXXX ( XXXX ). I request an immediate investigation and permanent deletion of the account in question from all major credit reporting agencies ( Equifax, Experian, and TransUnion ). 

Disputed Account Details : Creditor : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX Date of Report/Entry : XX/XX/XXXX Reason for Dispute : XXXX has XXXX to provide sufficient documentation verifying legal ownership of the alleged debt reported against me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), the burden of proof rests on the debt collector to establish that they have the right to collect and report the debt. 

In the XXXXXXXX XXXX XXXX  XXXX XXXX decision in XXXX XXXX XXXX XXXX XXXX, XXXX, the court ruled that XXXX did not demonstrate proper ownership of the debt and failed to meet the evidentiary standard necessary to maintain collection or reporting activities. The court reversed a lower court decision after XXXX was found to have submitted inadequate and unsubstantiated documentation. 

Given XXXX  established pattern of failing to verify debt ownership, and in line with the precedent set by the XXXX case, I respectfully demand the following : XXXX. Immediate and permanent deletion of this account from all credit reporting bureaus ( Equifax, Experian, and TransUnion ). 
XXXX. Written confirmation of the deletion. 
XXXX. Disclosure of any documentation XXXX has used to verify the validity and ownership of the alleged debt. 

Next Steps : If this matter is not resolved promptly and the account is not deleted, I am prepared to initiate legal action based on willful noncompliance with federal consumer protection laws. This includes potential claims for damages under the FDCPA and FCRA. 

This is a good-faith effort to resolve the dispute without legal intervention. I appreciate your prompt attention to this matter and expect confirmation of your findings and actions within the statutory period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DO NOT GIVE MY PERMISION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THES FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-18 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: CA

Complaint narrative:
RE : Section 609 Request for Account Verification XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Dear TransUnion, I am formally requesting, under my rights pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), that you provide complete verification and documentation of the account listed below which appears on my credit report : Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$49000.00} Status : Charged Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX This account is the result of identity theft and has been fraudulently reported in my name. I have already filed an FTC Identity Theft Report ( attached ) and attempted to dispute this item through your standard channels. You continue to report this account as verified without providing legally required supporting documentation. 

My Request Please provide : XXXX. A copy of the original signed contract or application bearing my signature used to open this account. 
XXXX. Documentation used in your verification process, including any billing statements, IP logs, or application IP source. 
XXXX. The method and party used to verify the accounts accuracy during your investigation. 

If you can not produce this documentation within 30 days, the Fair Credit Reporting Act mandates that you delete the item from my credit report. Continued reporting without proper documentation constitutes a violation of the FCRA and my rights as a consumer. 

Enclosures : FTC Identity Theft Report Proof of Identity ( Drivers License, SSN, Utility Bill ) Copy of Credit Report Highlighting the Disputed Account If this account is not removed, I will pursue further action through the Consumer Financial Protection Bureau ( CFPB ) and potentially through legal channels.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The bankruptcy that shows on my credit report is not accurate as it was dismissed fully in court in that XXXX XXXX XXXX There are also medical bills for XXXX XXXX XXXX which were the financial responsibility of my late husband, XXXX XXXX, who is deceased. 
During our marriage, I was not allowed to ask about or be a part of any of the financial accounts in anyway, I had a state of XXXX tax lien dismissed because I filed an innocent spouse form, and they found that there was sufficient evidence that I was not responsible for any financial bills during my marriage with XXXX as he did not allow me to work or to be on any of the accounts or have access to the funds in the accounts.

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 2025-05-18 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: GA

Complaint narrative:
I sent the letter on XX/XX/year> I have not gotten a response at all from Experian

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want my address updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny AND I WANT XXXX XXXX XXXX XXXX ny XXXX removed its not my address

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 2025-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtaint credit.these accounts i didn't recognize them I didn't authorize them they're being report by a third party i want them to be remove

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 2025-05-18 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DO NOT GIVE MY PERMISION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THES FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I took all the proper steps prior to moving to a city. The apartment complex added fees to my account. I moved to a different city for my employer. I submitted all paperwork prior to moving to a new apartment complex. Months after I moved my previous apartment complex sent me a bill for over XXXX dollars. The apartment complex sold the debt to ProCollect , Inc . The bill went to collections ( ProCollect , Inc ).

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 2025-05-18 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-18 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: LA

Complaint narrative:
I had an account with chime and chime let an authorization go through for XXXX dollars that I didnt have in the account and when I notified them they said that they couldnt stop it so when we recieved out stimulus checks chime took my XXXX dollars to bring my account to current and suspended my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MS

Complaint narrative:
.XXXX  XXXX last 4 of social XXXX and XX/XX/XXXX Under the faith credit reporting act ( fcra ) 611 ( 15 U.S.C . ) I HAVE THE RIGHT TO KNOW THE METHODS AND SOURCES USED TO VERIFY THE DISPUUTED INFORMATION ON MY CREDIT REPORT. PLEASE PROVIDE THE FOLLOWING WITHIN 4 DAYTS OF RECEIPT OF THIS LETTER I've sent a total of XXXX disputes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Along with XXXX letters requesting a verification of the dispute and never received a response with proof. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
TWO XXXX XXXX BANKRUPTIES ( REFERECE NO. XXXX AND XXXX CURRENTLY SHOWING ON MY CREDIT REPORT HAVE REACHED THE SEVEN YEAR MARK. PER FEDERAL LAW, THESE TWO PUBLIC RECORDS MUST BE REMOVED FROM MY CREDIT FILE...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: VA

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than
records of convictions and crimes which antedates the report by 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide '' Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Debt Buyer Account XXXX XXXX XXXX  To Whom It May Concern, This correspondence serves as a formal dispute of a debt buyer account currently reported by XXXX XXXX XXXX on my consumer credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ( including 1681s-2 ( b ) ), the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( including 1692e and 1692g ), and CFPB Regulation F ( 12 CFR Part 1006 ), I hereby demand the immediate deletion of this account from all internal records and all consumer reporting agencies. 

XXXX XXXX XXXX, as a debt buyer, is reporting a tradeline that raises substantial legal concerns regarding the accuracy, legitimacy, and enforceability of the alleged debt. Federal law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully verifiable. As a debt buyer, XXXX XXXX XXXX is obligated to maintain and produce comprehensive documentation substantiating the validity of this accountincluding the original account agreement bearing my signature, a complete and unbroken chain of title evidencing legal ownership of the debt, a full transaction and payment history, and a precise calculation of any alleged outstanding balance. 

Absent such substantiation, continued reporting of this account constitutes a violation of the FCRA, FDCPA, and implementing CFPB regulations. The practice of reporting unverifiable or unsubstantiated debt buyer accounts is unlawful, deceptive, and contrary to the requirements set forth by federal consumer protection law. Accordingly, I demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this a direct and formal request for deletion under the FCRA, FDCPA, and CFPB Regulation F. If XXXX XXXX XXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I respectfully request that the CFPB take all necessary measures to ensure my consumer rights are protected and that XXXX XXXX XXXX reporting practices are brought into full compliance with all applicable federal statutes and regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: DC

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO XXXX XXXX AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: EdFinancial Services
State: DC

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO ED FINANCIAL AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

Company response to consumer: Closed with explanation