vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this complaint regarding the actions of LVNV Funding LLC, which is attempting to collect a debt that I do not recognize and has failed to provide proper validation under federal law. 

LVNV Funding LLC is not the original creditor, and as a third-party debt collector, they are required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to provide written verification of the debt upon request. I have formally requested that LVNV validate this alleged debt by providing : A copy of the original signed contract or agreement A detailed and itemized statement from the original creditor Proof of the chain of custody or ownership of the debt ( showing how and when they acquired it ) Documentation clearly showing that this debt is mine To date, they have failed to provide any of this information. Despite that, they have reported this unverifiable debt to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting a debt without proper verification is not only misleading but legally improper.

Therefore, I am demanding the following : 1. If LVNV Funding LLC can not provide valid and complete documentation as required by law, they must immediately cease all collection efforts.

2. The alleged debt must be immediately removed from all credit reports, as it is unverified and improperly reported. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as LVNV Funding LLCs actions appear to violate my rights under both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 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 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 2025-05-07 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am disputing inquiries as I have NOT authorized my credit to be pulled by these creditors 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 I have the right to dispute any accuracies. This complaint falls under 1681b ( c ) which prohibits the use of creditors from obtaining my credit without my authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX, XXXX and XXXX i was XXXX  I need it all token off for those years. I have police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My name is XXXX, and I am writing to file a complaint against Selene Finance regarding their recent denial of my application for a loan modification, which I received on XX/XX/XXXX. The reason given was that I had " exceeded the MOD limit on the life of the loan. '' The last time I was approved for a modification was in XX/XX/XXXX. Unfortunately, later that year I became seriously ill and was hospitalized. Due to my health condition, I was unable to work. My husband had to take care of me while also being the only source of income for our household. During this difficult period, I fell behind on my mortgage payments not because of negligence, but because of a medical hardship that left me no choice. 

Now, while my health has improved somewhat, I am still not well enough to return to work. I am currently receiving unemployment benefits, and my husband has thankfully returned to work. Together, we are doing everything we can to keep up with the mortgage payments. I applied for the modification in good faith, hoping for a chance to stay in our home and avoid foreclosure. I am not asking for a handout I am asking for a path to get back on track. 

I believe the denial of my modification request was unfair under these circumstances. I am doing my best with limited resources, and I am trying to work with Selene Finance in good faith. I kindly ask the CFPB to look into this matter and help ensure that I am given a fair chance to save my home. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please update all accounts to paid as agreed, never late. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or updated from my credit record within XXXX  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
They arbitrarily froze my accounts without warning because they decided they want me to verify my ID twice with 2 different links and after that im still locked out because they said it'll take 3 days. Now im gon na fail the semester for college because I can't get to class to study and take my finals

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
I applied for an account at Seacoast bank in early XXXX, after sending multiple documents verifying my identity, they approved me on XX/XX/XXXX. I was instructed by the bank that I have to deposit funds into the account within 30 days or the account would be closed. I was also informed of a promotion on the account that required a direct deposit. I recieved a large deposit into the account to keep it open, and set up my direct deposit into the account per the promotion. After setting up an external account for transfer and verifying it, i scheduled a transfer from the new account at seacoast to my external joint account with my husband on XX/XX/XXXX. Seacoast emailed me asking for a statement to verify ownership. I replied with a statement attached that showed my name. later that same day, Seacoast responded by telling me they were shutting down my account without explanation. I contacted them via email on XX/XX/XXXX asking for an explanation, the refused to provide one. I contacted seacoast over the phone XX/XX/XXXX and verified every transaction on the account as well as my identity and ownership of the external account. The phone rep also could not tell me why the account was being closed but offered to put in a note that I verified all transactions and my identity and told me someone would call me and follow up. No one has called. I called back again and was again given no information and told to email instead to get clarification. I emailed Seacoast XX/XX/XXXX asking again for an explanation and informing them that I had a direct deposit scheduled and that this situation is creating chaos in my finances, they refused to provide any information again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: MO

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MO

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 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this formal complaint against one or more consumer reporting agencies for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( a ), 605 ( b ), and 611. Despite submitting direct disputes, my credit file continues to reflect inaccurate and obsolete information, in clear violation of federal law.

The following accounts remain on my credit report unlawfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported and exceed the legal reporting limits established by FCRA Section 605 ( a ) and 605 ( b ). Furthermore, under Section 611, the credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days and remove any unverifiable or inaccurate data. They have failed to do so.

This is a direct violation of my rights as a consumer under federal law. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take enforcement action to compel the credit bureaus to permanently delete these accounts from my credit file.

I am seeking full compliance with the FCRA, immediate removal of these derogatory items, and confirmation that the violations have been addressed.

Thank you for your time and 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 2025-05-07 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-05-07 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: WA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should 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 2025-05-07 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: WA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reporting on my credit file related to the above-referenced account with XXXX XXXX XXXX 

Account Details Being Disputed Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance ( as of XX/XX/XXXX ) : {$30000.00} Original Balance : {$15000.00} Charge-Off Date : XX/XX/XXXXXXXX  Last Payment Date : XX/XX/XXXXXXXX  Current Status : Charged Off Past Due Amount : {$8800.00} Dispute Summary The information being reported appears to be inaccurate and inconsistent with the original loan details and payment history. The reported balance does not align with the original obligation, and the account status, charge-off reporting, and ongoing past due entries do not reflect an accurate or current depiction of the account history. I am requesting a full reinvestigation and an update or correction to ensure the account information is accurate and complete. 

Requested Action Please investigate this matter and correct, update, or remove any inaccurate or unverifiable information associated with this account. I am requesting that your investigation confirm the following : The accuracy of the reported balance The current and past payment status history The accuracy of the charge-off reporting and timeline Please provide the results of your investigation in writing within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 


I am submitting this letter to formally dispute information on my credit report related to the account listed below. The current reporting contains inconsistencies that require reinvestigation and correction. 

Account Information in Dispute Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Original Balance : {$9500.00} Reported Balance ( as of XX/XX/XXXXXXXX  ) : {$21000.00} Current Status : Charged Off Status Date : XX/XX/XXXXXXXX  Past Due Amount : {$7400.00} Last Payment Date : XX/XX/XXXXXXXX  Summary of Dispute The reported balance and charge-off information do not align with the original terms or payment history of this account. The reported figures appear inflated compared to the original balance and payment records. Additionally, the continued reporting of past-due amounts after charge-off, as well as the timeline of status updates, should be reviewed for accuracy and consistency. 

Requested Action Please reinvestigate this account and ensure the following : That the current balance is verified and accurately reflects the account history That the payment status and charge-off timeline are correctly reported That any duplicative or inconsistent entries are corrected or removed I respectfully request confirmation of the completed investigation and any resulting updates to my credit file within the timeframe required. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation