vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims areunverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - OFFICE OF THE ATTY GEN - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$260.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Here is a revised version of your dispute letter, specifically addressing a debt collection dispute with LVNV Funding LLC. Be sure to fill in the missing details before sending it. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request and Dispute To Whom It May Concern, I am disputing a debt that appears on my records and being reported by LVNV Funding LLC. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request the following information : 1. The name of the original creditor and account number associated with this debt.

2. A copy of the signed agreement or contract that proves I am responsible for this debt.

3. An itemized statement showing the breakdown of the principal, interest, fees, and any additional charges.

4. Proof that LVNV Funding LLC has the legal right to collect this debt. 
5. Documentation showing that the statute of limitations for this debt has not expired.

Until I receive proper validation of this debt, I request that you cease all collection efforts and remove any negative reporting related to this account from my credit report. 

Additionally, if you fail to provide adequate documentation, I will consider this matter closed and expect confirmation in writing that the debt is no longer being pursued. 

Please note that this letter serves as a formal dispute, and all communication regarding this matter should be in writing. If you attempt to contact me by phone, I will consider it harassment under the FDCPA. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. A Class Action Lawsuit was determined in this matter and at the moment I Demand for the attached accounts to be removed immediately. The credit reporting agencies continue to violate my consumer protection rights. And Im submitting Proof for my claim. See attached ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. A Class Action Lawsuit was determined in this matter and at the moment I Demand for the attached accounts to be removed immediately. The credit reporting agencies continue to violate my consumer protection rights. And Im submitting Proof for my claim. See attached ;

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: VT

Complaint narrative:
Cash app stocks. Cash app is intentionally screwing people so bad on there platform offering a share price at a amount when its not the share price actual amount they keep it lagged and slow so you cant get its actual value and if you do they will sell it at that value and show you a different when I sold at XXXX $ a share there was only to be a XXXX XXXX  gov fee but then charged some how over a XXXX $ secretly and selling my stock at XXXX XXXX They say its current price but its actually not Ive seen it XXXX $ less then market value. There scamming people so bad on stocks and digital currency. 
This way you get it at a lower value and they in reality get it at a better value and make XXXX Then they say you wont get around a value if you place custom they will sell or buy at a higher value so u loose XXXX There whole digital stock and bitcoin IS NOTHING BUT A SCAM. how do u invest into something but it goes up and u still loose $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX  XXXX bal {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I deposited a cashiers check into anothers persons account. As form of payment the receiving bank is M & T My bank is XXXX  XXXX XXXX 30 days later M & T closed the person account. M & T bank informed and also my bank branch manager that they are going to send the funds back to my bank which is XXXX  XXXX XXXX it has now been almost 60 days and I have yet received any notification from M & T about these funds being returned I feel like Im being treated unfair about this situation there not giving me no information about these funds no corporations from the bank I need some 1s help to help me retrieve these funds thank you

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 2025-03-17 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: NC

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to correct inaccurate reporting on my XXXX XXXX account, despite previous disputes. The errors are as follows : Incorrect Late Payment Reporting on a Closed Account XXXX  XXXX  XXXX account was closed, yet Equifax continues to report 120-day late payments, which is inaccurate.

This violates FCRA 605 ( a ), as closed accounts should not continue reporting new derogatory marks.

Discrepancy in Credit Limit Reporting Equifax reports my credit limit as {$0.00}, while TransUnion and XXXX correctly report it as {$200.00}. 
Under FCRA 623 ( a ) ( 1 ), furnishers must provide accurate and uniform information across all bureaus.

Failure to Properly Investigate Previous Disputes I previously disputed this account, yet Equifax failed to correct the errors or provide any proof of verification.

This violates FCRA 611 ( a ) ( 1 ), which requires Equifax to conduct a reasonable reinvestigation.

Potential Re-Aging of a Charge-Off Account The last reported date is continuously updated, which could be an attempt to re-age the debt illegally to extend its derogatory impact. 
FCRA 605 ( c ) prohibits credit bureaus from re-aging charge-off accounts beyond the legal 7-year reporting limit.

Previous Actions Taken : I disputed this account directly with Equifax, but they failed to correct or verify the information.

I also sent a dispute letter citing FCRA violations, yet Equifax did not comply.

Due to noncompliance, I am now escalating this matter to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for failing to correct inaccurate reporting on my Capital One account, despite previous disputes. The errors are as follows : Incorrect Late Payment Reporting on a Closed Account My Capital One account was closed, yet XXXX continues to report XXXX late payments, which is inaccurate. 
This violates FCRA 605 ( a ), as closed accounts should not continue reporting new derogatory marks.

Discrepancy in Credit Limit Reporting XXXX reports my credit limit as {$0.00}, while XXXX and XXXX correctly report it as {$200.00}. 
Under FCRA 623 ( a ) ( 1 ), furnishers must provide accurate and uniform information across all bureaus.

Failure to Properly Investigate Previous Disputes I previously disputed this account, yet XXXX failed to correct the errors or provide any proof of verification. 
This violates FCRA 611 ( a ) ( 1 ), which requires XXXX to conduct a reasonable reinvestigation. 
Potential Re-Aging of a XXXX Account The last reported date is continuously updated, which could be an attempt to re-age the debt illegally to extend its derogatory impact.

FCRA 605 ( c ) prohibits credit bureaus from re-aging charge-off accounts beyond the legal 7-year reporting limit. 
Previous Actions Taken : I disputed this account directly with XXXX, but they failed to correct or verify the information. 
I also sent a dispute letter citing FCRA violations, yet XXXX did not comply. 
Due to noncompliance, I am now escalating this matter to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - OFFICE OF THE ATTY GEN - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$260.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/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