vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Company Information : LVNV Funding XXXX Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Complaint Details : I am filing this complaint against LVNV Funding and Resurgent Capital Services due to their failure to provide legally required debt validation and their continued reporting of an unverified account to credit bureaus. 

I have made multiple attempts since XX/XX/XXXX, to request debt validation from XXXX XXXX XXXX. I have submitted multiple contact inquiries formally requesting proof that the alleged debt belongs to me and that the company has the legal authority to collect on it, including proper documentation showing the transfer of ownership. Despite my repeated requests, I have never received any validation of this debt from either company. 

Furthermore, I have disputed this account with the credit bureaus, yet XXXX XXXX XXXX continues to report it as valid without providing me any documentation to substantiate their claim. There is no validation letter available in the document section of my account on their website, which confirms that such documentation was never provided to me. I have attached screenshots from my email, as well as the account portal on their website that shows the last documents they have " sent '' me or have on file for me. No documents have been sent or uploaded since XXXX! You can also see where they responded stating they would send any letters or correspondence via certified mail, but nothing was ever sent or documented in the documents section in their online account portal. 

This is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) as follows : Failure to Provide Debt Validation Under 15 U.S.C. 1692g, a debt collector must provide proper validation of the debt upon request. I have never received any such validation from XXXX XXXX XXXX. 
Continued XXXX of an Unverified Debt The company has continued to report this unverified debt to credit bureaus in violation of FCRA guidelines. 
Failure to XXXX XXXX Efforts Without proper validation, any collection efforts, including reporting to credit agencies, must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-17 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: MA

Complaint narrative:
On or around XX/XX/year> I submitted a dispute letter to TransUnion requesting an investigation of an alleged late payment that has been reporting on my credit file. In my dispute letter I requested verification in the form of any existing documents such as statements or bank statements from the creditor XXXX that I was more than XXXX  days late on a payment. I have sent this request on multiple occasions with the only response from TransUnion being that the debt has been Verified as Accurate with absolutely no supporting documentation proving so which is my right under the FCRA laws that they furnish to me the method of verification. TransUnion a boldly and blatantly REFUSED to conduct a proper investing, which seems to be their customary practice of not completing investigations properly and providing me with the method in which they employed to verify this allegation of a late payment.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio recovery associates LLC send me a statement saying I owe XXXX  XXXX XXXX  {$1700.00}. I forward a debt validation letter on XXXX. Proof mail. Then XXXX XXXX XXXX XXXX send me another letter on behalf portfolio recovery. And XXXX other agency. And portfolio recovery is calling me threatens me. But I told the guy I refuse to talk to a company that never forward me proof of the debt. I told them in a letter since all XXXX collection agency can't verified the debt to remove it out my credit report. Nothing has been done.please help me resolve this harassment and no proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-17 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: MA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted. 


15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages. 


XXXX XXXX. XXXX XXXX the XXXX XXXX, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( CMI ) and misreported late payments violates the accuracy and privacy protections outlined in this statute. 
In addition to the incorrect late payments, I am disputing the inaccurate consumer profile information reflected on my credit report. This includes but is not limited to : Incorrect personal details ( e.g., name, address, employer ) Inaccurate account status or balances Outdated or duplicated accounts I kindly request the following actions be taken without delay under 15 USC 1681i ( a )

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Credit Collection Services has been trying to collect a debt that is not owed. I know nothing of this debt. Reference # XXXX XXXX XXXX I sent a dispute letter to them I haven't received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ID

Complaint narrative:
I received a promotional offer in the mail from US Bank. The offer was for {$450.00} if you direct deposit {$8000.00} within 90 days. I completed the signup process and asked the customer service agent if there's any foreseeable issues with me receiving this promotion- they did not advise anything at that time. 
I spent my time, money and energy to complete this promotion. Upon completion of the requirements and 90 days I did not receive the funds indicated in the promotion. When attempting to resolve with US Bank they indictated they would not uphold their end of the promotional agreement due to the reason I am already a customer. 

This at minimum false advertising - the onus is on the bank to know who is and isn't a customer and whether they do or do not qualify. Sending customers promotions they don't qualify for is falsely representing their business. I work in sales- if I promote a product to a customer and then once they have completed the requirements I back out due to a factor I did not disclose to them at the beginning, it would result in me losing my job. This should have been disclosed when I asked their customer service team " Am I wasting my time? ". Again, the fact they are sending promotions to customers who don't qualify because of the fact they are customers is dishonest at best, but based on how much time I've now invested into this, it has become a predatory action in my opinion. 
Soliciting me to deposit more of my paycheck with them, knowing full and well they were not going to honor the offer they sent, and being negligent to properly notify me of the fact I did not qualify are predatory banking practices. I would like to file a formal complaint in hopes to help someone else avoid this in the future.

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 2025-03-17 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: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
XXXX XXXX and DOGE have gained access to my federal student loan information. He has my social security information and they not only do not have the clearance but there is no valid reason for anyone but me to have my information. I am demanding at this point that either him and his team be removed from all access and they be arrested until they can ensure they no longer have people 's information or my loans are completely removed. Anything less will not be tolerated.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 Any other adverse item 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below.

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 2025-03-17 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 Any other adverse item 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below.

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 2025-03-17 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: CA

Complaint narrative:
Errors on my report are causing me financial harm by unfairly lowering my scores and blocking opportunities. Its frustrating to deal with the consequences of information that is not 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 non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
There a is a few items I do not recognize on my report I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit reporT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
There a is a few items I do not recognize on my report I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on 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 2025-03-17 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: NV

Complaint narrative:
I discovered fraud on my account and contacted the merchants to try to resolve the issue but because I don't have an account with XXXX or any other of the merchants that my card was used at they told me because it was fraud I had to call my bank. So I called and reported the transaction with my bank they replaced my card and said they would do an investigation. I don't think it could have been very Thorough investigation because they Closed my claim very quickly within a few days and denied it.I Im asking for a refund of the {$610.00}. And I Also asking that they put in some kind of appeal process or something. Because when I'm asking to appeal the decision they just said that's not gon na happen.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting an incorrect address and employer on my credit report. I have asked them several times to have it corrected and they have yet to have it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Data Breach and identity theft also duplicate accounts Under Title 15 USC 1681, Title 15 USC 1692 section 605 all inquiries and inaccurate information and address have to be deleted from my credit report within 4 days not 30 days nor 60 days 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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