vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC ACCOUNT OPEN : XXXX AMOUNT : {$940.00} THIS IS SHOWING ON MY CREDIT REPORT IS LATE AND OPEN THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAST OPEN FRAUDULENTLY.I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 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. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On Monday, XX/XX/year> I received an email from XXXX to contact their call center to unfreeze my account because was freeze due to suspicious activity. I call today XX/XX/year> and the agent told me that my account was not eligible to be unfroze anymore and that I can't have an account or nothing with affirm, ever. The agent told me that was a decision from another department. 

I did not get a valid reason why I literally got banned from Affirm when I was paying on time, and if it was due to suspicious activity on my account, that's not a reason to banning anyone to use their services. When I asked the agent about the active loans I have, he said that I don't have to worry about those anymore and no need to pay for that, which all these got me super confused.

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 2025-01-29 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: MO

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am writing to formally dispute the validity of the debt that you are attempting to collect. I also wish to bring to your attention potential violations of the Fair Debt Collection Practices Act ( FDCPA ), which governs your conduct as a debt collector.

1. Request for Validation : Under Section 809 of the FDCPA, I am entitled to request written validation of the debt you claim I owe. Therefore, I require that you provide me with the following information : - The name of the original creditor.

- The amount of the alleged debt.

- Documentation that verifies the debt, including any signed contracts or agreements.

2. Inaccurate Reporting : I believe that the information you have reported to credit bureaus regarding this debt may be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information you report is accurate and complete. I demand that you investigate this account and correct any inaccuracies immediately.

I am also concerned about the aggressive tactics employed by your agency, which may constitute harassment and violations of the FDCPA. Specifically, I would like to highlight the following potential violations : - Harassment and Abuse ( 15 U.S.C. 1692d ) : If your agency has contacted me in a manner that is intended to annoy, abuse, or harass me, this is a violation of the FDCPA. I expect all communication to adhere to professional standards.

- False or Misleading Representations ( 15 U.S.C. 1692e ) : If your agency has made false statements regarding the debt or my legal rights, this is also a violation of the FDCPA. Any misrepresentation regarding the amount owed or the consequences of non-payment is unacceptable.

I demand that you cease all collection activities on this account until you have provided the requested validation. Additionally, if your agency persists in contacting me without providing the requested documentation, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider.

All future correspondence regarding this matter must be conducted in writing. I do not wish to receive phone calls regarding this debt. Please direct all communications to the address listed above. 

I appreciate your immediate attention to this matter. I expect your response within 30 days, as mandated by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app would fail to approve requested information, disallowing me from using my prepaid card in its general manners such as direct deposit, transferring money, pretty much everything. It was an inconvenience as I lost money that was worth weeks of hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX IL XXXXXXXX Please update my name XXXX XXXX My only correct date of birth is XX/XX/year> I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

Sincerely, 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 2025-01-29 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I got a phone call today which is probably my seventh or eighth from the same phone number and when I answered the call the person on the phone asked me for my Social Security number which I would not give her and then she hung up on me. I then proceeded to call the phone number back to find out the companys name and what their issue is with me and ask them to stop calling me and put everything in writing.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 USC 1681 XXXX XXXX XXXX has violated legal compliance under 15usc 1681.

I am a victim of identity theft. And I have disputed the inaccuracy.

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 2025-01-29 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: IL

Complaint narrative:
15 USC 1681 XXXX XXXX XXXX has violated legal compliance under 15usc 1681.

I am a victim of identity theft. And I have disputed the inaccuracy.

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 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am writing to formally request that LVNV FUNDING LLC immediately remove or delete the account listed on my XXXX consumer report due to violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ), as well as violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1692e ( 10 ). The debt collector has failed to notify the Credit Reporting Agencies ( CRAs ) of deletions as required by law, which is a direct violation of my rights under these statutes. I demand that this account be removed from my XXXX credit report and that any future violations of these regulations be prevented. 
REMEDY MONETARY COMPENSATION : {$2000.00} AND REMOVE FROM CRA 'S ATTACHED NOTICE OF DISPUTE : EXHIBIT A XXXX DISPUTE RESULTS OF DELETION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
A {$5000.00} certificate of deposit was purchased through Ohio 's XXXX XXXX XXXX. The C.D. was through 5/3 bank on XX/XX/XXXX for a term of 3-months. The certificate matured yesterday, XX/XX/XXXX. My plan was to use the matured funds to purchase another C.D. for a 6-month term, but the funds weren't available.

I called the 5/3 customer service number for the XXXX XXXX XXXX account ( XXXX ) XXXX and was told that it was the policy of

5/3 to not immediately release the funds of the mature C.D. but to wait approximately 5 additional days before making the funds available. Interest WOULD NOT accrue during these 5-days. This delay effectively changes the published interest rate earned and prohibits additional interest income to be earned by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited a check to the bank 's physical ATM on XX/XX/year> in the amount of {$730.00} as a banking customer. Due to the banking holiday this check began processing on XX/XX/year> & my accounts were blocked the same day because the XXXXraud department stated they were concerned if it was a legitimate check. Per bank guidelines for the XXXX account I had, it stated the check would process & then deposit on the next available business day. I called 4 times on Tuesday the XXXX to ensure I could do whatever necessary to get my accounts unblocked, each time I was transferred to a different Fraud representative who advised me of conflicting information such as one time it was an issue with me changing my PIN when I first became a customer & then was told it was the check deposit. I was told they needed a verified phone number to the check issuer to validate the check. Between Tuesday & Thursday, I gave them 3 separate phone numbers in which they told me they couldn't utilize because they weren't populating as verified numbers in their system. I then reached out to the check issuer who called the Fraud department & called me back stating they had validated the check issuance & confirmed the check had been cashed by the banking institution so I shouldn't have any further issues. In all, I have spent 4 business days on the phone trying to resolve issues within their so called Fraud department only to get a notification today Friday the XXXX that both accounts I had were blocked & were being closed within the next 60 days for a violation. When I called their internal Fraud department again three separate times & asked for clarification on what violation I had committed, multiple representatives refused to answer what so called " violation '' I had committed. I also went into a physical banking branch & was not able to get further assistance since it was with the Fraud department. They have not resolved my issue since my last call nor issued my funds back.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hello, I am writing to formally dispute and challenge the alleged late payments that have been reported on my credit file. I have identified discrepancies related to late payments that do not appear to be accurate or supported by valid documentation. I am curious as to whether these alleged late payments are fraudulent. It is essential to emphasize that I am challenging these late payments as " alleged '' late payments, as there is a lack of proper verification and validation of these entries. I believe that it is within my rights, as a consumer, to request proper verification and documentation to substantiate the accuracy of these late payment entries.

The alleged late payments in question are as follows : ( Repeat below as necessary ) LATE PAYMENTS : 1. Creditor : XXXX XXXX - Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Original loan {$100000.00}. 

Reason : Requesting verification of these alleged late payments Instruction : Update these alleged late payments as on-time never late ( this account was closed on and fully paid in XXXX ) I formally request that you provide the following information to verify the accuracy of these alleged late payments : 1. Verification of the Account : Please confirm the account details, including the creditor 's name, account number, and account history related to these alleged late payments.

2. Proof of Late Payments : Provide documented evidence, such as payment history records, invoices, or other supporting documentation, to substantiate the claim of late payments for the specified months and dates.

3. Compliance with Reporting Guidelines : Ensure that the reporting of late payments complies with all applicable federal and state laws, as well as the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

4. Reporting Accuracy : Confirm that the reporting of these late payments is consistent with the accuracy, timeliness, and completeness requirements outlined in the FCRA.

I must emphasize that I take my credit history and creditworthiness seriously. The accuracy of my credit report is crucial to my financial well-being, and I want to ensure that any derogatory nformation on my report is reported accurately and complies with all legal requirements.

I request that you promptly initiate an investigation into these alleged late payments and provide a written response within 30 days, as required by the FCRA. If you are unable to substantiate the accuracy of these alleged late payments within this timeframe, I expect that they will be removed from my credit report.

Please be aware that I am monitoring my credit closely, and I reserve the right to take further legal action if these discrepancies are not addressed promptly and accurately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received a letter dated XX/XX/year> ( see attached ) stating that 3 of my accounts will be closing this is the explanation in the letter : " Financial institutions have an obligation to know our customers and monitor transactions that flow through our customers accounts. After careful consideration we decided to close your credit card accounts on XX/XX/year> because of unexpected activity on these or another Chase account. '' I made 3 attempts contacting Chase by phone only being put on hold and transferred to several supervisors with no concrete answers or explanations nothing more than the information i had from this letter is all they had, no remedy no answers nothing. I am completely perplexed because I have maintained all 3 of my Chase accounts for over 20 years with a perfect spending and payment history with them! I check almost daily on their website and they're has been nothing unexpected whatsoever! Food, shopping, retail, travel, etc... I feel that I've been strongly wronged here for whatever reasons Chase has come up with and I'm being punished somehow... for what I don't understand. Please note the letter they sent states all 3 of my Chase XXXX credit cards are affected : last 4 digits are XXXX - XXXX XXXX

Company response to consumer: Closed with explanation