vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC and XXXX due to their unfair and unlawful debt collection and reporting practices regarding an account that appears on all three of my credit reports ( XXXX, XXXX, and XXXX ). 

Issues : XXXX. Failure to Validate the Debt ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) LVNV Funding LLC and XXXX have failed to provide proper debt validation despite repeated requests. 
I never signed any agreement with LVNV Funding LLC or XXXX  and request a signed contract proving my obligation to pay. 
2. Inaccurate and Inconsistent Credit Reporting ( FCRA Violation 15 U.S.C. 1681s-2 ) LVNV Funding LLC is reporting different balances and monthly amounts across the three major credit bureaus.

The information is misleading and inaccurate, violating the FCRAs requirement for furnishers to report accurate data. 
XXXX. Unlawful Communication and Harassment ( FDCPA Violation 15 U.S.C. 1692c ) XXXX has been contacting me via text and email at all hours, including early mornings and late at night, violating FDCPA 806 ( 15 U.S.C. 1692c ( a ) ), which restricts communication before 8 a.m. or after 9 p.m.

I have requested that they stop contacting me, yet they continue to send unsolicited messages.

4. No Permissible Purpose for Credit Reporting ( FCRA Violation 15 U.S.C. 1681b ) LVNV Funding LLC has reported this debt without my consent, and I demand proof of a permissible purpose under FCRA 604 ( a ).

5. Debt Was Previously Written Off Request for 1099-C If this debt was previously charged off by the original creditor, LVNV Funding LLC must provide a 1099-C cancellation of debt form showing it was legally written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXXXXXX : account number XXXX account name XXXX XXXX : account number XXXX account name XXXX XXXX : account number 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 2025-03-08 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  standards. Due to the Equifax data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

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 2025-03-08 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank admitted fault regarding a loan that was returned due to fraud from a XXXX  office. Although they closed the account and refunded me the money, they continued negative credit reporting on my account and this caused my credit score to decrease XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I think it was around XX/XX/year> I booked a hotel room at the XXXX XXXX online I had one price. But after I booked the room it stated XXXX for XXXX nights for a XXXX XXXX so when I saw that I cancel because that was the wrong price. I then stay at other hotel. Then I started getting information from the XXXX XXXX and I was telling them that it was canceled but they won't give me my credit back. I filed a deput but they say the room was booked by a third party and they can't do nothing about it. So I closed the card and they continued adding late fees on the card.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear XXXX XXXX Chair of the Board and Chief Executive Officer et all I hope this letter finds you well. I am writing to officially request a new investigator for an objective perspective on my disputes with a dishonest merchant with a reputation for cybercrime and a wake of victims ( See exhibit h ). The current investigator is exercising extreme prejudice against me. Their opinion does not reflect the same values that XXXX XXXX XXXX XXXXXXXX  , National Association ( FDIC XXXX XXXX ) strives to uphold, to keep the global marketplace safe from harmful business practices and to ensure a positive experience for everyone involved. The experience with the current investigator or investigation team is substantively flawed and discourages me from continuing business with Bank of America and has resulted in the submission of complaints to XXXX regulators and public forums regarding the XXXX  business credit card account number ending : XXXX and. XXXX XXXX : XXXX & XXXX. I humbly request these disputes to be settled in my favor. I was naive to believe that XXXX XXXX and by extension Bank of America could XXXX screen each merchant using their payment processing network. Which gave me a false sense of security when transacting with this XXXX XXXX. I have learned to raise disputes immediately and be vigilant of online scams by checking reviews XXXX. ( see exhibit h ) I am thankful for the permanent credit to my acct for XXXX number XXXX. Please apply the same logic to each case.

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 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$12000.00}, XXXX XXXX {$240.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$2800.00}, XXXX XXXX balance {$160.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX in balance {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$12000.00}, XXXX XXXX {$240.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$2800.00}, XXXX XXXX balance {$160.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX in balance {$3600.00}

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureau TransUnion is reporting a bankruptcy on my credit report, attributing the information to the XXXX XXXX  XXXX. have attached a letter from the XXXX XXXX  XXXX verifying that they do not furnish Information to credit bureaus or any credit monitoring service, nor do they verify reporting agencies. According to this law, credit reporting agencies are prohibited from reporting XXXX  cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to Q Gy. Consumer Right to privacy this XXXX  shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$530.00}

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 2025-03-08 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank XXXX week ago and deposited {$6000.00} into the account. I was informed that the funds would show in my account within a few hours. However, when I checked the account that night, I found that all of the funds were " frozen for XXXX days ''. I called Truist Bank and was told the hold was due to the deposit exceeding {$5500.00}, with no clear explanation for the extended hold. 

After waiting for a week and continuing to explain to my creditors that the bank was causing delays, I attempted to check my account again via the mobile app. To my surprise, my entire account was now blocked due to " fraudulent activity '', and I could not sign in. I called customer service and was transferred multiple times, only to be told that the account was being closed and a letter would be sent because my account was " not being accepted. '' This situation has resulted in Truist Bank taking my money, freezing it without a valid explanation, and now refusing to allow me access to my account. This has caused significant financial hardship, as I can not pay my bills or access my funds. Truist Banks customer service has been unhelpful, and they have failed to provide any clear answers or resolution.

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
They are charging me repeatedly for stuff I have not purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CO

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Address on Credit Report Dear Sir/Madam, I am writing to formally dispute an incorrect address listed on my TransUnion credit report. The address in question is shown as XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, but this is not my current or previous address. 

Below are my details for identification purposes : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last 4 digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX The correct address is as follows : XXXX XXXX XXXX, XXXX XXXX, MD XXXX I kindly request that you investigate and correct this error. 

Please let me know if any additional information is required. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I expect a response within the 30-day period required by law. 

Sincerely, 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