vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Request for Verification and Removal of Account from Credit Profile Dear Experian Team, I am writing to formally request that you investigate and remove an inaccurate item from my credit profile. I, XXXX XXXX, have made several attempts to contact the creditor, XXXX, regarding this matter and have requested verification and proof of the account. However, my requests remain unanswered. Therefore, I am seeking your assistance in this matter. 
As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX  license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, Experian ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property I urge you to review and resolve this matter promptly. Please confirm in writing once the disputed item has been removed from my credit profile. 
Thank you for your attention to this matter. I look forward to your prompt response. If you require additional information, I can be reached at XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by XXXX, XXXX, and Equifax concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : XXXX and Equifax fail to provide a " Last Verified '' date. 

Conflicting Account Remarks : XXXX and XXXX list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while Equifax adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : Equifax lists 64 instances of being 90 days late, which is implausible given the timeline. 

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ). 

Date of Last Activity Discrepancies : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : XXXX and XXXX list " Bank Credit Cards, '' while Equifax states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year>XXXX  LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant tol5 USC Section 168li of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Account Number Comments Company Name XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$5600.00} -Fraudulent account Remove all fraudulent inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

Also, 15 USC Section 168li ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
Asked for account to be closed in XXXX which didn't happen yet their home page shows account closed, undue fees I feel is ungodly along with things showing up applied for when I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please have the credit bureaus remove all other address. My only phone number is XXXX. There is an account from XXXX Acct XXXX on my credit report and multiple unauthorized fraudulent credit inquiries. I would like all ofthese to be removed. I believe that they are from a security breach from multiple companies exposing my social security number and from beingexposed to the dark web. The hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am a victim of identity theft. Under section 605 B this account needs to be removed immediately. I have contacted the original creditor XXXX about the total amount of {$520.00}. XXXX informed me they will investigate. Instead of investigating this company sold this fraudulent account to the company CREDENCE RESOURCE MANAGE. I have been stalked and harassed by the company CREDENCE RESOURCE MANAGE and was threatened with notification to my family about the fraudulent account. Threatening me is illegal and I am protected under the Fair Debt Collection Practices Act ( FDCPA ). I have been contacted before and after business hours which is illegal. My lawyers and I are fully prepared to start a class action lawsuit against the company and wish to expose the corrupt ways this company and its representatives have been using to stalk and harass victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.

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 2025-01-10 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: MD

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> 2 wire transfers totalling {$16000.00} were fraudulently processed against our Bank of America account into a XXXX XXXX account XXXX We do not have a XXXX XXXX account XXXX We notified Bank of America on XX/XX/year> around XXXX XXXX  and we filed a fraud report. We also visited with XXXX XXXX account who confirmed we did not have an account and that the account where the funds were received belonged to another individual. BofA denied the fraud claim and advised we needed to file a scam report - apparently there is a very " fine line '' difference between fraud and scam? The scam report was also denied because XXXX XXXX did not respond to BofA requests for information via email. It is not clear how many emails were sent or who they were sent to? 

A police report was filed with XXXX XXXX Police Department, XXXX XXXX, SC. The police have identified the recipient to include their address, social security number, and birthdate. BofA has never reached out to the police. 

To date I am still trying to recover my {$16000.00} fraudulently wire transferred from my BofA account. I don't understand how BofA and the Federal Deposit Insurance Company isn't responsible for protecting my money. 

I am hoping you may be able to assist in moving this case forward.

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 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by XXXX, XXXX, and Equifax regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : XXXX : {$520.00}, XXXX : {$0.00}, Equifax : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ). 

Conflicting " Date of Last Activity '' ( DLA ) : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ). 

Omission of " Closed Date '' : XXXX lists XX/XX/XXXX, but XXXX and Equifax do not report this information. 

Violates 609 ( a ) ( 1 ). 

Discrepancy in Creditor Remarks : XXXX : " Charged off as bad debt, '' XXXX : " Profit and loss write-off, '' Equifax : `` Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : XXXX and XXXX : {$400.00}, Equifax : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : XXXX shows inconsistent reporting of charge-offs ( CO ), while Equifax exaggerates late payments ( e.g., 37 instances of 90-day lates ).

Violates 611 ( a ) ( 1 ) ( A ). 

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable. 

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXX XXXX ] XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hi, On XX/XX/year>XXXX  I sold a handbag via a PayPal invoice for {$3000.00}. As soon as the money came in, PayPal immediately permanently limited my account. 
My funds, minus PayPal 's fee did not even show up in my PayPal account until XX/XX/year>. I have contacted so many different people and they all claim they can do nothing, that I have to wait 120 days for my funds to be accessible to me. I just want to be able to transfer my money to my bank account as PayPal has taken their cut, the buyer has their item and I am left with nothing for 6 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-10 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:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-10 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:
There are several accounts being inaccurately reported to my Equifax credit report. I have challenged this information in the past and my notice was mishandled. I am submitting a new challenge of information with details describing the errors. I expected that Equifax will take reasonable procedures to handle the challenge properly and to treat me fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to me.

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