vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, XXXX, XXXX, and XXXX are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law. 

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from XXXX, XXXX, and XXXX for your review, with the disputed collection accounts clearly highlighted. 


Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification. 

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately. 

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they are in violation of the law, and continued reporting of such accounts is illegal.

FDCPA 15 U.S.C. 1692c - Communication Restrictions : Debt collectors are prohibited from contacting me at inconvenient times or places, and any further communication regarding these debts must cease immediately unless proper validation is provided.

If these debts are not validated, any further attempt to collect or report them constitutes a violation of my rights under federal law. 

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-03-21 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: TX

Complaint narrative:
This is the account that is not accurate : XXXX XXXX XXXX  {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The information that is reporting from XXXX XXXX XXXX is a violation of Fair Credit Reporting Act. Information is inaccurate on account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This CPB comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. 
that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from US Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Approximately XXXX of XXXX  my Bank Of America credit card account was hacked due to bank negligence. This hack then migrated over to my XXXX XXXX  accounts. During this process all of my accounts were shut down causing major chaos to my personal and business accounts. As a result of this all of my EFT 's were cut. One of which was my autopayment for my Business Credit Card. I attempted to reconnect this over the course of many months to no avail. Eventually I spoke to an individual at the bank that told me there was a block on this. She was able to lift the block and ultimately allowed the EFT to be reconnected. The following month when my credit card 's payment was due a payment of almost {$15000.00} was extracted from my account and then 2 days later another {$15000.00} was removed. I called the bank again and I was advised that there were 2 autopayments set up! They shut down the second autopayment and I requested my {$15000.00} double payment be returned to me. Needless to say I didn't see the payment in a timely fashion. The following month the credit card came due. This time the total was about {$17000.00}. Instead of deducting the correct amount they deducted the difference between the new balance and the the {$15000.00} overpayment. A few weeks later without notice they wired the illegally obtained funds back into my account. What this caused is a deficit on my account and then they had the unmitigated temerity to charge me interest on my account for their mistake. This amounted to {$620.00}. I have called the bank on this no more than 5 times and being on hold for anywhere 1-3 hour I received no satisfaction. I spoke to supervisor after supervisor who told me these charges are valid which they obviously not. I request your assistance to return my funds as well as penalize the bank for their fraudulent deceptive practices.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
This account was removed from my credit due to identity theft. Now it's back reporting from a different company. CFBP already investigated this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment records reported on my GM Financial account # XXXX I assert that I have never been late on this alleged debt, and I am requesting validation of these claims in compliance with the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and other applicable laws. 

Specifically, I request that you provide me with documented proof of the following : Evidence that I received the required disclosures under 15 U.S.C. 1666b, including any notices or billing error communications that would justify the late payment reporting.

Proof that I was provided with all necessary information under Section 1637b ( 15 U.S.C. 1637b ) concerning any changes to my account terms or obligations.

Documentation showing that I received a negative information notice before any adverse information was furnished about my account, as required by law. 

If GM Financial is unable to provide such documentation proving that I was duly informed in compliance with the aforementioned statutes, I request that this inaccurate negative information be removed from my credit report immediately. 

Please consider this letter a formal dispute and investigation request. I kindly ask for a timely response regarding this matter, as my creditworthiness is being unfairly impacted by this reporting. If this issue is not resolved promptly, I may consider further action, including filing complaints with the appropriate regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am filing a complaint against Security Credit Services for violating the Fair Debt Collection Practices Act ( FDCPA ) and failing to properly validate a debt.

Issue : On XX/XX/year>XXXX  I called the debt collection agency after seeing an account in my name. However, they : Failed to provide written notice of the alleged debt within the required five days of first contact, as mandated by the FDCPA. 
Did not have my email or proper records, which raised concerns about their legitimacy. 
Could not provide validation when I requested it over the phone. 
Asked me for personal information instead of proving they had the legal right to collect. 

I have never received any written correspondence about this debt before my call. They are attempting to collect a debt that I was never properly notified of and have not verified as accurate or legally collectible. 

Requested Resolution : 1. I request that the debt collector provide full written validation of this debt, including : Proof that the debt is mine The original creditors name and details Proof that they have the legal right to collect 2. If they can not provide this information, I request that they cease collection attempts and remove any negative reporting from my credit file.

3. I ask the CFPB to investigate this agency for failure to comply with FDCPA regulations. 

Thank you for reviewing my complaint. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC
State: NV

Complaint narrative:
I am disputing owing any and all debts listed by this collection agency because they are violating my consumer rights by their harmful actions described below : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency is violating my consumer rights by denying me the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has NO AUTHORITY to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-6 2 ( 7 ) ( A ). Furthermore, I am revoking all rights of the collection agency to communicate with me through email/text/phone calls.Their harmful actions against me are causing me great mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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
Consumer complaint received 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TEXAS XXXX XXXX # XXXX Subject : Formal Dispute Lack of Evidence in Fraud Investigation & Request for Refund To Whom It May Concern, I am writing to formally dispute the unauthorized transactions on my account and to demand an explanation as to why Wells Fargo has failed to provide physical evidence supporting its decision. Rather than relying on assumptions or beliefs about what happened, I expect tangible proof, including but not limited to : ATM surveillance footage showing me making the withdrawals Records proving that my phone number or voice was used to activate or authorize the debit card transactions Any other verifiable evidence linking me to these fraudulent transactions If Wells Fargo can not produce such evidence, then your investigation is incomplete and not legitimate. I was not present at the location where the fraud occurred and was, in fact, four hours away at the time. I can provide evidence of my location during the fraudulent activity, and I request that my documentation be reviewed as part of this investigation.

As a financial institution, it is Wells Fargos responsibility to conduct a thorough and fair investigation. Without definitive proof of my involvement, the appropriate course of action is to return the stolen funds to my account immediately. Failing to do so violates my rights under the Electronic Fund Transfer Act ( EFTA ) and other consumer protection laws. 

I request a written response detailing your final decision, along with any supporting documentation you have used to reach your conclusion. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please respond within 10 business days to avoid further action.

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 2025-03-21 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:
firmly believe that my rights under these laws have been violated. In XX/XX/year>, I submitted documentation and contacted your institution regarding unauthorized accounts and inaccuracies in my credit report. Despite my efforts, including contacting the alleged creditors, no verifiable debt or account information tied to my identity was discovered. This failure to provide evidence is a clear violation of the above statutes. 
Fair Debt Collection Practices Act ( FDCPA ) : Equal Credit Opportunity Act ( ECOA ) : Federal Trade Commission Act ( FTC Act ) : Truth in Lending Act ( TILA ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Failure to address this matter promptly has compelled me to escalate my complaint to the XXXX  Attorney General 's Office, the Consumer Financial Protection Bureau ( CFPB ), or pursue legal action under applicable statutes.

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