vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-17 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: MA

Complaint narrative:
This is an addition to CFPB Complaint ID # : XXXX. I have added to the upload section the Equifax Consumer Report, this completes the initial filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC, with a balance of {$690.00} opened on XX/XX/year>. The credit report does not list an original creditor, making the debt unverifiable and questionable. 
I have already submitted a dispute with XXXX, which is noted as " Consumer disputes reinvestigation in progress. '' Despite this, the account remains open without validation of the original debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Because they have failed to provide the necessary documentation, I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am writing to formally dispute the credit card account listed under XXXX XXXX XXXX account number ending in XXXX I am listed as an authorized user on this account and not the primary account holder. As such, I am not financially responsible for any charges or debts incurred on this account. 

Under the Fair Credit Reporting Act ( FCRA ), authorized users are not liable for any outstanding balances, and any negative information reported on this account should not be included in my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the alleged debt that you claim I owe, referenced by account Collection Receivables inc.. This is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Under this federal law, I am exercising my right to request full verification of this debt before taking any further action.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activities and cease reporting this account to any consumer reporting agency until you provide the following : A complete itemization of the alleged debt, including the original balance, interest, fees, and payments made ; The name and address of the original creditor, and proof of my contractual obligation to them ; A copy of any signed agreement or contract bearing my signature showing that I agreed to the alleged debt ; Proof of your legal authority to collect in my state, including license and bond information, if applicable.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), if you are furnishing information to any credit bureau , I request that you mark the debt as " disputed '' during the resolution of this matter. Failure to comply may constitute a violation of both FDCPA and FCRA, and I will not hesitate to take further legal action if necessary.

Please note that any attempt to collect this debt without proper validation is a violation of my consumer rights. 

This letter serves as my formal notice of dispute. Please respond within 30 days with the required documentation. I also request that all future communications be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: FL

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 2025-04-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/year> I reached out to ask about getting my information on PayPal credit and seeing how much the original total was. They said it's no longer owed to PayPal credit but to them. And that I might see statements in my account on their website. But I don't see that information on their website or any statements. 
Another issue is not being able to reduce the amount either, despite not being sure if the amount they are charging me is the correct amount. I have no way of verifying or validating the amount. 

Ive already been paying for a few months not realizing im supposed to verify it right away. So I was trying to do that today.

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 2025-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a joint HELOC through XXXX ( now Wells Fargo ) with my ex husband. He withdrew {$100000.00} for himself and had a divorce attorney make him not responsible to repay it. I am left with a deed that was not worded properly so I can not refinance, and repaying a loan he took out at high interest, that is not tax deductible because he he did not use it on the house. The attorney gave him loan forgiveness and the money was not reported to IRS as income or taxed, as would be done if the bank forgave a loan. I am under a court order to repay someone elses debt or lose or my home.

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I opened up a XXXX  XXXX exchange account on XX/XX/year>. I went into my account on XX/XX/year> and my password did not work. I was able to sign in with the XXXX Factor Authentication method that I had fortunately set up originally. I then reached out to customer support to inquire if they could tell if my account had been compromised. They requested documentation to verify my identity, which I sent to them. I also changed my password. They then Froze my account that say day. I have since sent no less than XXXX additional emails over the course of the past 11 days. NONE of them have been answered, and my account is XXXX. I can not transfer my crypto asset offline to a cold wallet, so they are essentially holding my assets XXXX with absolutely no feedback/communications as to why or when my account will be unfrozen, if it will be unfrozen at all. It feels like theft and a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CFPB, I am following up on my original complaint against Capital One. While the system marked my most recent submission as a duplicate, I would like to clarify that this is not a duplicate requestthis is a notification that Capital One has not responded at all within the required 30-day FCRA timeframe. 

As required under FCRA 611 ( a ) ( 1 ) ( A ), the data furnisher ( Capital One ) must respond to disputes within 30 days. Their failure to respond requires that the disputed item be deleted from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). 

I respectfully request that CFPB review this matter again and take action to ensure Capital One complies with their legal obligations and that the disputed account is removed from my credit report. 

Thank you for your continued support in ensuring fair and accurate credit reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XXXX XXXX my Car was repossessed due to XXXX mistake. They used my payment for " fees '' and not the actual payment. Which was unauthorized. Also they claimed my account was delinquent when it was in fact not. They changed payment date from XXXX XXXX to XXXX XXXX. As it says on their record. The most my account was delinquent according to XXXX XXXX XXXX is at most 2 days. She admitted that the repression should have never happened. I have this call recorded. 

After admitting it was an error on their end, my fianc contacted a lawyer to get assistance. She heard the evidence and admitted this should be a lawsuit. As XXXX XXXX have many due to this same issue. Instead we just wanted our stolen vehicle back. Once we gave XXXX my lawyers info, they then returned the vehicle. 

Today they still have comments on my credit report. They're refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LCI Acquisition Inc.
State: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I reached out to Transunion and Equifax to get some hard inquires removed that I did not authorize. I believe this hard inquires to be a result of identity theft. I sent them serval letters and they refused to remove the hard inquiries. The inquires go as followed Transunion -XXXX XXXX Equifax 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these 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 non-monetary relief