vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submit this complaint against LVNV Funding LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. relating to the reporting of the following collection account : XXXX XXXX  : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX N.A. 
Account Number ( partial ) : ( REDACTED ) Reported Balance : {$500.00} Original Balance : {$500.00} Status : XXXX account ; {$500.00} past due Date Opened : XX/XX/year> Status Updated : XX/XX/year> Violations of the FCRA XXXX. Failure to Report Accurate Information 1681s-2 ( a ) ( 1 ) ( A ) LVNV Funding has reported this account continuously as in collections since XX/XX/year> without any balance updates or evidence of ownership validation. Despite reporting the balance as unchanged at {$500.00}, the account is inaccurately portrayed as active with continuous derogatory notations each month. This practice is misleading and inconsistent with the FCRA requirement that furnishers report information with maximum possible accuracy. 
XXXX. Failure to Validate Debt Prior to Reporting 1692g ( Fair Debt Collection Practices Act, incorporated through CFPB enforcement ) As a debt buyer, LVNV Funding is obligated to validate the debt before furnishing it to consumer reporting agencies. I have disputed this account, yet LVNV Funding failed to provide proper validation and continued reporting, which constitutes furnishing of unverifiable and misleading information. 
XXXX. Failure to Conduct Reasonable Investigation 1681s-2 ( b ) After disputes were lodged, LVNV Funding had a duty to conduct a reasonable investigation into the accuracy of the reported tradeline. Instead, the account remains unchanged, reflecting the same information without any evidence of verification, which demonstrates a failure to comply with statutory duties. 
XXXX. Misleading Payment History Reporting The monthly payment history reflects repeated collection status entries ( C ) across multiple months and years, despite no payments being made and no changes in balance. This practice artificially extends the derogatory impact of the tradeline and misrepresents the accounts true status, a tactic the CFPB has previously identified as unfair and deceptive. 

Harm to the Consumer As a direct result of LVNV Funding LLCs improper reporting : I have suffered significant damage to creditworthiness and XXXX scores ; I have been denied access to credit and subjected to higher interest rates ; I have suffered reputational and emotional harm due to inaccurate and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
I'm disputing my credit report reporting wrong information without my consent

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo provides free checking with direct deposit. I have direct deposit with my Social Security check. This is obviously a once a month direct deposit, twelve times in a year. Because of the timing of the deposit of the checks by Social Security, staggered dates, sometimes a deposit may not fall within Wells Fargo 's thirty day cycle. In the past they have corrected the ten dollar fee and admitted it was a glitch in their system. Recently they have told me that this can not be corrected, that they only waived the fee out of courtesy. Every month of the calendar year I have a direct deposit but since it occasionly does not fall in their " calendar month ' '' they charge me a fee. I am sure this affects many other retirees and I'm sure they are aware of it.

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 2025-08-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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: DE

Complaint narrative:
I am really disappointed to see that the inaccurate late payments remain on my credit report this morning. I honestly do not understand why this has not been corrected yet. Refreshing my browser did nothing to remove them. I need you to carefully go over the documents Ive provided so this issue is finally fixed and I can stop worrying about it every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

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

Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-08-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 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: NC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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  account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX. Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 

XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am submitting this formal complaint against XXXX  for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing XXXX  with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. XXXX  refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX : Failure to Conduct Reinvestigation and Respond to XXXX Dear XXXX XXXX XXXX, This letter is to notify you that I previously submitted a written dispute regarding the above-referenced account, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To date, you have failed to conduct a proper reinvestigation or provide any response or supporting documentation to validate this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information within 30 days and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until proper validation is provided. 
As you have not complied with these legal obligations, I am requesting that this account be immediately removed from all consumer reporting agencies and that you confirm in writing that the matter is closed. 
If you continue to report or pursue this debt without providing validation, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies for violations of federal law. 
Sincerely, 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 2025-08-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: MI

Complaint narrative:
This XXXX collector has texted and called me numerous times. The dates are followed XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit not my account {$1900.00} opened XX/XX/year> Real estate loans XXXX XXXX XXXX  houses were awarded to ex spouse in court. I have court documents. XXXX  will not remove. XXXX  agreed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of a sophisticated social engineering scam involving someone who spoofed a Wells Fargo phone number and convincingly posed as a representative. This individual had detailed knowledge of my account activity and persuaded me that my online banking had been compromised. 

While still on the phone with me, the impersonator appeared to already have breached my online banking account and had visibility into my transaction history. I was informed that my funds had already been moved from my Wells Fargo Visa to my checking account, which was true and the scammer actually did do this. Under the false impression that I was preventing theft and cooperating with a Wells Fargo fraud resolution process, I followed the impersonators instructions. 

Specifically, I transferred {$1400.00} from my Wells Fargo account to XXXX XXXX, and from there to what I was led to believe was a temporary Wells Fargo Visa debit card provided for travel use while I waited for my replacement card by mail. I now realize I was manipulated into facilitating the transfer under false pretenses. I acted in fear and confusion, not with full understanding or voluntary consent. 

This was not an authorized or informed transaction, and I acted under manipulation and duress - traveling with my XXXX year old. I urge you to review this decision again, as the transfer was induced by deception, not initiated with clear or voluntary consent. 

Wells Fargo denied my fraud claim and stated they will deduct the {$1400.00} from my account. I believe this decision fails to acknowledge the nature of social engineering fraud, and I am filing this complaint in hopes that it is properly reviewed and escalated. This was not a normal transaction and/or situation at all, it was the result of fraud and deception, and should be covered under protections for victims of social engineering and impersonation scams. 

Ref # 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 2025-08-22 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: FL

Complaint narrative:
To whom it may concern, I am writing in reference to my previous dispute dated XX/XX/year> concerning the alleged account ( s ) appearing on my credit report, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your prior response failed to provide adequate verification or proper documentation to substantiate the reporting of this account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding a full and proper investigation into this matter.

Specifically, I am requesting documentation including : 1. Original signed contract or promissory note.

2. Complete chain of custody / assignment of rights.

3. Proof of securitization, pooling, or sale of the account.

4. Full payment history.

5. Documentation of interest capitalization, settlements, or modifications.

6. Authorization agreements for reporting this account.

If the furnisher can not produce competent evidence, the account must be deleted. Continued reporting of unverifiable information constitutes willful noncompliance under the FCRA.

I expect a full reinvestigation within 30 days. If unverifiable, delete the account.

Sincerely Kindly see attached letter : Notice of Intent to Sue Re : Notice of Intent to Sue Inaccurate Credit Reporting / Failure to Validate Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This letter serves as formal Notice of Intent to Sue pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), regarding your continued reporting and/or collection activity related to the above-referenced account.

Despite multiple disputes, you have failed to provide competent evidence. Instead, you continue to report or attempt to collect on this unverifiable debt. This conduct constitutes : 1. Violation of FCRA 1681i failure to conduct a reasonable reinvestigation.

2. Violation of FCRA 1681s-2 ( b ) continued reporting without verification.

3. Violation of FDCPA 1692g failure to validate the debt.

I am prepared to initiate legal action seeking statutory and actual damages, attorneys fees, and injunctive relief.

You have 15 days from receipt of this notice to : 1. Permanently delete the disputed account from my credit file ( s ) ; and 2. Provide written confirmation of deletion.

Failure to comply will result in legal action without further notice.

Sincerely

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