vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XX/XX/XXXX XX/XX/XXXXof Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XX/XX/XXXXXXXX BALANCED {$0.00}XX/XX/XXXXXXXX BALANCED {$2900.00}XX/XX/XXXX XXXX BALANCED {$5200.00} XX/XX/XXXX XXXX BALANCED {$0.00XX/XX/XXXXXXXX BALANCED {$0.00} XXXXXX/XX/XXXX ( Original Creditor : 01XX/XX/XXXX) XXXX BALANCED {$390.00} XXXXXX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX BALANCED {$720.00} XX/XX/XXXX ( Original Creditor : 12XX/XX/XXXX XX/XX/XXXX ) XXXX BALANCED {$240.00}XX/XX/XXXX ( Original Creditor : 12 XXXXXX/XX/XXXX ) XXXX BALANCED {$3800.00} XXXX XX/XX/XXXX( Original Creditor : 12XX/XX/XXXX MISSOURI XXXX XXXX BALANCED {$390.00}XX/XX/XXXX XXXX BALANCED {$1900.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$3700.00} XXXX XXXX XXXX BALANCED {$0.00}XX/XX/XXXX XXXX BALANCED {$0.00} XX/XX/XXXX XXXX BALANCED {$1200.00} XX/XX/XXXXXXXX - XXXX/XXXX/2023

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 2025-01-27 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by XXXX XXXX XXXX. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # 1 : GF Account Number : XXXX Description : Charge off the account I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2025-01-27 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: MI

Complaint narrative:
Tried getting credit cards and can't due to credit report and what's on it on this lvnv funding is in there and preventing me from living life comfortable I never opened this account and don't know who did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding an unexplained security hold placed on my HSBC XXXXXX/XX/XXXX ending in XXXX since XX/XX/year>2025. 

The main issues are as follows : 1. No Communication or Notification : I did not receive any prior email, notification, or phone call from HSBC alerting me about the hold.

The hold was only apparent when I saw my available credit suddenly reduced to XXXX. 

2. No Explanation or Timeline Provided : Upon contacting HSBCs relevant team, I was not provided with any clear explanation for the hold or the reason behind it.

Additionally, no timeline for review or resolution was given, leaving me in an uncertain position. 

3. Significant Impact on Travel Plans and Benefits : As this is a premium travel card with a high annual fee of {$400.00}, I rely on it for various benefits during travel, including airline tickets, taxi services, car rentals, and hotel bookings.

With upcoming winter travel plans, this sudden inability to use the card has caused considerable inconvenience and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXX XXXX, syncb/ppc, XX/XX/XXXXXXXX andXX/XX/XXXX. I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.

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 2025-01-27 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXXXXXX,XX/XX/XXXX midland credit managem andXX/XX/XXXX I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXXXXXX,XX/XX/XXXX,XX/XX/XXXX XXXX and lvnv lending. I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

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. 1681i, 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. XXXX ) 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. 

These are the accounts that I have identified to be inaccurate : XXXX XXXX # # # # # # # XXXX ; XXXX XXXX XX/XX/XXXX # # # # # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
Dear CFOB, I am writing to formally dispute the following item ( s ) on my credit report with Experian, XXXX and XXXX, as I believe the information provided is inaccurate and was willfully misreported or mishandled, violating my rights under Section 1681o of the Fair Credit Reporting. If you do not correct the information, I will pursue further legal actions, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Experian XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX. 

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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Lvnv reporting to all credit beru with the wrong amount statement not own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Block, Inc.
State: MS

Complaint narrative:
Cash app data breach. And account being charge a couple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i have been dealing with this company for months. They have repeatedly verified this collection and they are in violation being unlicensed in florida No, a collection agency can not collect in a state without a license in that state. They also can not report a debt to your credit report without being licensed. 
Explanation Debt collectors must be licensed in the state where they operate and in the state where the debtor resides.

The Florida Consumer Collection Practices Act ( FCCPA ) requires all debt collectors to register with Florida, including those who are out-of-state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX BALANCED {$0.00}

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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-27 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: T.S. Holdings
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my XXXX XXXX, and should not be furnished on my consumer report as they are in XXXX!!! 

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates. 

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my XXXX XXXX Report that must be removed.

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 2025-01-27 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: SC

Complaint narrative:
please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Starting in XX/XX/year>, I contacted Cashapp on multiple occasions informing them that there was fraudulent activity on my sponsor 's account. They said they would investigate. After their investigation, they said denied the claim stating I did not verify my identity. I informed them on several occasions and also provided screenshots showing I had verified my identity, and still did not review the claim again. The claim remained denied, although I had provided proof that their reason for the denial was incorrect. I can also provide our email thread.

Company response to consumer: Closed with explanation