vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX debt collector from different companies over the past 2 years constantly harassed my phone numbers emails I blocked one of them another one keep reappearing over and over repeated cycle they attack my credit Will ridiculous debt that I'm not recognized with I would like something dealt with it please I disputed it and they keep harassing me make it stop

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 2025-01-28 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 silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-01-28 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 silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-28 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC has five different debts on my credit report under the same account number with different amounts. The amounts are {$1000.00}, {$730.00}, {$650.00}, {$460.00}, and {$340.00}. I don't know who this company is and if they have bought a debt from another company that was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MS

Complaint narrative:
I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to Experian, XXXX and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b

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 2025-01-28 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 2 items on my credit report and they are XXXX XXXX XXXX Loan and Thrift Investment Auto Loan. Both of these loans have been paid in full and accounts have been closed. I have disputed this multiple times with Experian and they refuse to remove it from my report. Its not fair to me and nothing old should be on my credit if the account is paid in full and closer as it is negatively affecting my 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 2025-01-28 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Transunion 's failure to conduct proper investigations.

As per 15 U.S.C. 1681i, ( a ) ( 1 ) ( A ), Transunion is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Transunion : ( 1 ) Conduct a thorough reinvestigation of the following disputed accounts or items.

( 2 ) Provide me with all documentation used to verify the accuracy of the disputed information.

( 3 ) Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

I have disputed the following items on my credit report and was not provided an answer within 30 days, and the response did not include any additional evidence other than stating that no changes were made : XXXX XXXX, XXXX, XXXX, in addition to others. 

Given the recent CFPB findings, I expect Transunion to handle this dispute with the utmost seriousness and compliance with legal standards. If Transunion fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect confirmation of any changes made to my credit file.

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 2025-01-28 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00}

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 2025-01-28 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:
I filed dispute on XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXXXXX due to the the XXXX being paid in full and the other account were unauthorized charges.. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting everything my family and I need to survive. Experian violates my rights as a consumer, as well as federal laws

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 2025-01-28 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 have 2 collection on my credit that needs to be removed. 
XXXX : A collection for the amount of XXXXXXXX XXXX that was paid directly to the debt company. They would not send me the paid off letter after paying the balance off in full. Instead they sent me a receipt for online one payment that I made. They stated that I had to sign it and send it back to receive the paid off letter but I have still yet to receive it.

2nd : a incorrect reported collection for the amount of XXXX XXXX  that was displayed since XXXX. I have tried every way to get this removed and it is still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Reply to CFPB Compliant ( CFPB ID : XXXX ) On XX/XX/year>, I submitted a formal Debt Validation Request to Afni, Inc., under FDCPA 15 USC 1692g, regarding an alleged XXXX XXXX  debt of {$3300.00}. Afni 's response failed to validate the debt properly. They did not provide a signed agreement proving I agreed to the debt, a complete payment history, proof of chain of title verifying their legal right to collect, or a detailed breakdown of the amount claimed. Despite these deficiencies, Afni has continued collection efforts, which violates FDCPA 15 USC 1692g ( b ). Their incomplete validation also breaches FCRA 15 USC 1681s-2 ( b ), as inaccurate information remains reported to credit bureaus. These failures are causing harm to my creditworthiness and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
After looking over my credit profile XX/XX/year> I discovered multiple items reporting that arent mine nor are they accurate. Immediately I disputed these fraudulent and inaccurate reportings, however experts in had taken more than the legal 30 days given to investigate this matter. No contact, emails or letters has been sent to me to better explain their negligence. The company is silent and irresponsible. 

I fear that I have been apart of a heavily organized scam. With that being said I can not move forward with my life if these negative items are still on my file impacting my chances of credit.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 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 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have been getting numerous calls almost everyday through a company I do not recognize and now I see they are reflecting on my credit report. I have not received any letters/mail from them so I thought it was a spam call. They dont say anything on the voicemails, they even called twice in a day XX/XX/year>. The company is called XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On Friday XX/XX/XXXX, I called Chime Bank about the closing of my checking account. They told me that they couldn't provide me with details for the reason they closed my checking account. Now the only reason I think that they closed my account because back in XX/XX/XXXX, I disputed a few charges that was made to my account. XXXX, of which I disputed a charge from XXXX for {$180.00} and I had to wait weeks to even get an answer. Another charge I ask to be disputed was a charge totaling {$2600.00} from XXXX XXXX on XX/XX/XXXX & XXXX. Now mind you, before XXXX hours of filing the dispute, they had an answer for my dispute which was declined and I reopened the dispute and followed the same proceeding that they told me to do and once again before even looking into investigation, they denied my claim again and I never received my money from those charges that were unauthorized without my permission. Next thing I know, I get an email saying that my account will be closed on XX/XX/XXXX. I need to know what is going on and I need my money back. I have been having a hard time paying my bills and I asked once again about my dispute and they refused to give me an answer to it. Losing money like this has taken a toll on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/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
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MA

Complaint narrative:
XXXX XXXX Credit Card company seems to have sold my debt to a XXXX party debt collector. 
I have multiple debt XXXX attempting to collect debt for XXXX XXXX. 

As of XX/XX/year> I can see account information listed under the following credit XXXX : True Accord {$3000.00} - I have filed a dispute and asked for verification OriginaXXXX XXXX XXXXXXXX account ending in XXXX Current creditor is XXXX XXXX XXXX account ending XXXX XXXX XXXX {$1500.00} Reference number : XXXX Original account ending : XXXX XXXX XXXX Debt owed XXXX XXXX XXXX Resurgent which has XXXX XXXX XXXX accounts listed. 
Account number ending XXXX XXXX XXXX XXXX XXXX balance XXXX as well as the other XXXX debts above. 

I have multiple collection agencies contacting me to collect a debt. My information should not be sold to multiple agencies, even if they are listing XXXX as the current owner of the debt - I do not have communication from 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello, I purchased a vehicle warranty and XX/XX/XXXX insurance through Toyota Financial Services back in XX/XX/XXXX. In XX/XX/XXXX, I chose to refinance my vehicle through my personal credit union. Toyota Financial Services cancelled my products and began the process of reimbursing me for theXX/XX/XXXXand warranty via check that was sent to my home address. They told me I would be getting multiple checks. I received the checks around XX/XX/XXXX. 

At the end of XX/XX/XXXX into XX/XX/XXXX, I started receiving calls from Toyota Financial Services. I answered the call and a representative notified me that Toyota Financial Services mistakenly sent me a duplicate check for the amount of {$550.00}. I unknowingly cashed the check in XXXX when I received the payment. 

Toyota Financial is now threatening to send me to collections and is telling me that I need to repay them back the {$550.00} that they credited me in error. 

What can I do about this? How is this my fault when they credited me and sent me a check in error on their behalf? I do not have those funds anymore, as the check was cashed back in XXXX when I received the check. I am having financial trouble right now and do not have {$550.00}. 

I also have a letter from them that states they made the error.

Company response to consumer: Closed with explanation