vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Cease and Desist Notice Regarding Debt Collection To Whom It May Concern, I am writing to formally request that LVNV Funding LLC immediately cease and desist all communications and collection activities regarding the alleged debt associated with my name and credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop all further contact regarding this matter. 

If you believe this debt is valid, I demand that you provide proper validation, including a detailed accounting of the debt, proof of your right to collect, and original creditor information. Until such verification is provided, I dispute the validity of this debt. 

Furthermore, if this alleged debt is inaccurate, improperly assigned, or in violation of my rights, I will take legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This letter serves as an official notice under the FDCPA and any further communication beyond legal validation will be considered harassment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed my credit report and noticed an inaccurate late payment report on my account. According to my records, I made all payments on time, yet my report reflects late payments on the following date XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy and completeness of all reported information. As this account has never been late, I request that you investigate this matter and provide verifiable proof, including payment records, to substantiate these late payment claims. 

If you are unable to verify the accuracy of this information, I demand that the late payments be corrected to reflect on-time payments immediately. I have attached a copy of my credit report highlighting the errors for your reference. 

Thank you for your prompt attention to this matter. Please provide written confirmation once the necessary corrections have been made.

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 2025-02-02 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:
FCRA Violation not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX CT XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX never worked here XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXXXXXX not my XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2026

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 2025-02-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has not provided evidence of an investigation, Violating the Fair Credit Reporting Act to conduct reasonable investigations of my credit profile/ report. Experian has failed to remove unverified accounts. The CFPB has recently filed a lawsuit against Experian for failure to comply with accurate credit reporting. My report has never been fully updated, or accounts removed for violations.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
My account had unauthorized transfers or transactions not adequately investigated by Cash App and Block. Ultimately I am one who had account locked as a result. With money still in it. I could. Not communicate with anyone to find out the reason for account closure and not receiving my money that was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I noticed unfamiliar inquiries showing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for willfully violating the Fair Credit Reporting Act ( FCRA ) by refusing to correct a demonstrably false 'at-fault ' accident report from XX/XX/XXXX, despite conclusive evidence from XXXX ( Claim XXXX XXXX, attached ) confirming 0 % negligence. On XX/XX/XXXX, I filed a formal dispute ( Case # XXXX ) with XXXX 's letter and submitted a copy of my driver 's license, as instructed by the LexisNexis representative. As of XX/XX/XXXX, 31 days later, LexisNexis has ignored the FCRA XXXX ( a ) ( XXXX ) XXXX investigation deadline, directly causing XXXX to impose a 22 % rate hike ( {$1200.00} annual premium increase ) and XXXX to XXXX coverage entirely ( denial letter attached ). This violation of FCRA 623 ( a ) ( 8 ) and 12 CFR 1022.43 ( e ) has trapped me in XXXX coverage at non-competitive rates, as XXXX uncorrected report blocks access to standard insurance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Formal Dispute of Inaccurate Information and Notice of Civil Liability Under 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit report and to notify you of your potential civil liability under 15 U.S. Code 1681o due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name/Number : # # # # # # XXXX Creditor/Agency Reporting the Debt : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account, Date Opened, Dont Recognize This information is inaccurate and misleading and is negatively affecting my credit profile. Under the FCRA, you are legally obligated to ensure that the information you report is complete, accurate, and verified. 

Legal Grounds for Dispute : Pursuant to 15 U.S. Code 1681o, if a consumer reporting agency or creditor negligently fails to comply with its obligations under the FCRA, it may be liable for damages sustained by the consumer. Negligent noncompliance includes : Failing to properly investigate disputes Failing to correct or delete inaccurate information after notice Failing to provide disclosures as required under the law Requested Action : 1. Immediately investigate this matter as required under 15 U.S. Code 1681i and provide written confirmation of your findings.

2. Delete or correct the inaccurate information from my credit file if your investigation confirms the error.

3. Provide me with a corrected copy of my credit report once the investigation is complete.

4. Provide the name and contact information of any entity that provided the disputed information.

Failure to comply with the FCRA may result in legal action, including a claim for damages under 15 U.S. Code 1681o, in addition to attorneys fees and costs. I expect your prompt response within 30 days as required by law. 

Please send all correspondence regarding this matter to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
Dear Transunion I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

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
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: FL

Complaint narrative:
Ive been using cash app for a few years now everyone I try to contact someone about a problem I can never reach anyone its no number to call. And its suppose to be a live chat but when talking to them they will ask for your information to so called get into you account. But they should already have the information and they will not let me order a cash app card they say I can send and receive money but cant get a card. I try to talk to someone about that problem I stilll cant get a hold of anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE DELINQUENT PAYMENT SHOWING ON MY XXXX REPORT ( XXXX XXXX CRE XXXX ) WAS A RESULT OF MY JOB LOSS DUE TO XXXX. THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XXXX XXXX, AND ENDED XXXX XXXX. THIS ACT AMENDED THE FAIR CREDIT REPORTING ACTT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS UNDER THESE CIRCUMSTANCES. PLEASE UPDATE THIS INFORMANTION IMMEDATELY TO PAID/NEVERLATE FOR THE FOLLOWING TIME PERIOD. THIS LATE PAYMENT IS HURTING ME INTO PURCHASING A HOME FOR ME AND MY FAMILY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THE DELINQUENT PAYMENT SHOWING ON MY XXXX REPORT ( XXXX XXXX CRE XXXX ) WAS A RESULT OF MY JOB LOSS DUE TO XXXX. THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XXXX XXXX, AND ENDED XXXX XXXX. THIS ACT AMENDED THE FAIR CREDIT REPORTING ACTT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS UNDER THESE CIRCUMSTANCES. PLEASE UPDATE THIS INFORMANTION IMMEDATELY TO PAID/NEVERLATE FOR THE FOLLOWING TIME PERIOD. THIS LATE PAYMENT IS HURTING ME INTO PURCHASING A HOME FOR ME AND MY FAMILY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year>, I advised Equifax of the two accounts that aren't mine and submitted an FTC report and other information. XXXX XXXX was one of the two accounts I also requested information from XXXX XXXX They removed the fraudulent account, and after 3 months, I pulled my report, and they reinserted the account and Didn't notify me within 5 days, according to FCRA XXXX A. This is required. Equifax is in violation of my consumer rights. Attached is the investigation results for the discover account being deleted on XX/XX/year> and they reinserted it after 3 months without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency. I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.

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 2025-02-02 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Listed below are the Accounts reported inaccurate. 

XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling this 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 process 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 2025-02-02 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-02 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:
I just recently took a look at my credit report and I noticed a bunch of fraudulent activity on it. Im sending an attached PDF file from the FTC to address this matter to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name Date Assigned XXXX XXXXXXXX XXXX Original Balance {$830.00} Current Balance {$830.00} Responsibility Individual Status Comments Consumer disputes this account information, Collection account

Company response to consumer: Closed with explanation