vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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 have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-20 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:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-20 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 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: NY

Complaint narrative:
I filed a complaint against Resurgent/ LVNV Funding, complaint ID XXXX. The company responded by stating they acquired these accounts on XX/XX/year> that originated with XXXX XXXX Bank, XXXX, and also stated " With its purchase of these accounts, XXXX acquired all ownership rights, including the rights to collect on these accounts and to report to the credit bureaus, if eligible. Currently, these accounts are being reported to the credit bureaus on behalf of XXXX. '' But I have XXXX other companies attempting to collect a debt with the original creditor also being XXXX XXXX Bank so WHO OWNS THIS DEBT????????! I AM FILING ANOTHER COMPLAINT REGARDING THIS INACCURATE ITEM ON MY CREDIT. DESPITE MY EFFORTS TO RESOLVE IT REMAINS UNRESOLVED. OTHER DEBT COLLECTION AGENCIES ARE ATTEMPTING TO COLLECT A DEBT AND ARE ALSO CLAIMING THAT XXXX  XXXX XXXX  IS THE ORIGINAL CREDITOR. WHO OWNS THIS DEBT??? RESURGENT/ LVNV FUNDING LLC XXXX TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO XXXX XXXX XXXX XXXX, I AM IMMEDIATELY REQUESTING XXXX ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. XXXX ) A DETAILED LIST OF MY HISTORY OF PAYMENTS XXXX ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. XXXX ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! XXXX ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND XXXX ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I REVIEWED THE INQUIRY RESPONSE ATTACHED TO THE FIRST CLAIM THAT WAS NEVER MAILED TO ME MIGHT I ADD BUT NOTICED THAT ALL THAT WAS INCLUDED WAS AN ACCOUNT SUMMARY WITH MY NAME AND AN ADDRESS, NOTHING THAT PROVED THIS DEBT IS MINE WHEN I SPECIFICALLY REQUESTED MY DEBT VALIDATION. WHO IS TELLING THE TRUTH?? THIS DERAGORTY MARK IS NEGATIVELY IMPACTING MY CREDIT AND NEEDS TO BE RECTIFIED IMMEDIATELY. RESURGENT/ LVNV FUNDING LLC XXXX PROVE TO ME THAT YOU OWN THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2025-02-20 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filling 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 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent : Cease and Desist Verification of Charge-Off Dear Sir/Madam, I am writing to formally demand the immediate cessation of your ongoing verification process for the charge-off account related to account ending in XXXX, XXXX Despite my previous communications, Capital One continues to improperly verify this charge-off, and I find your actions both inappropriate and unjustified. 
Let me make it crystal clear : I have fulfilled my obligations regarding this debt or have already taken all necessary actions to resolve the issue. Continuing to verify or pursue this charge-off without valid reason is not only a violation of my rights but also a deliberate attempt to harass me and hinder my ability to manage my finances. 
If this issue is not immediately addressed and rectified, I will take all available legal actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state authorities. Should you continue this unfounded verification process, I will not hesitate to pursue further legal action for any damages this may cause. 
Consider this letter a final warning to resolve the matter swiftly and without further delay. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A credit card was supposed to arrive to my address. I never had possession of the credit card as I never received it in my locked mailbox in my apartment building. 

Despite that fact, it was used by someone multiple times XXXX at a restaurant and XXXX  times at a gas station. And it was used in a suspicious manner that Bank of America flagged it and put a hold on its spending eventually by the evening. Even the bank understood these transactions likely were fraudulent. 

I called Bank of America once I learned of them flagging it. The person representing the bank assured me this issue would be resolved. He filed the complain on my behalf. I sent them an affidavit attesting to the facts above. I received temporary credit for the fraud charges. 

But upon further investigation the bank concluded there was no fraud and reversed the fraud related credits. How could that be possible. Your banks algorithms found it suspicious first and then I reported it. I have a replacement credit card now, but I hope Bank of America changes their decision regarding 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 monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

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 2025-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have sent over {$3200.00} to M & T bank since the beginning of XXXX as well as my last payment on XX/XX/2025 totaling {$1700.00}. upon request of this information last time I was sent re-printed out information that was sent to me back in XXXX and statements only leading up to the beginning of XXXX and nothing since which is when all of these other payments transpired, and we never applied.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear Experian, I am disputing a recent hard inquiry on my credit report from XXXX XXXX XXXX XXXX. I explicitly authorized only a soft pull and clearly stated that I did not want my credit pulled. I also only provided the last XXXX digits of my Social Security number, and I was assured this would not impact my credit. Please remove this unauthorized inquiry from my report immediately. 

Thank you, 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Without my agreement, a subscription was started by Experian for XXXX dollars a month, when I attempt to login to the website to cancel the subscription, it then claims that there is an issue with the payment, so I can not actually get into my account.

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 2025-02-20 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: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX Southwest Credit XXXX Re : Credit Report Dispute - Violation of FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute an error that appears on my credit report issued by your agency. I have identified inaccurate and misleading information that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence. 

The disputed item is as follows : Account Number XXXX Date of collection XX/XX/XXXX I believe this information is erroneous due to inaccuracy as well as failure to obtain information regarding original ownership, history of account and my signature showing ownership of this debt.This is a clear case of negligence under the FCRA, where the credit reporting agency has failed to ensure the accuracy and completeness of the information that has been reported on my credit file. The inaccuracies are damaging to my creditworthiness, and I request that you correct this error promptly to comply with the statutory requirements of the FCRA. 

In accordance with the FCRA, I ask that you : 1. Investigate and verify the accuracy of the disputed information.

2. Remove or correct any inaccurate or incomplete data as mandated by Section 1681i, and notify me of the results of the investigation within 30 days.

3. As provided under Section 1681o, I am requesting appropriate compensation for any damages that I have suffered as a result of your negligence in maintaining inaccurate information. 

Please provide me with a written response indicating the results of your investigation. If any of the disputed information can not be verified, I expect it to be deleted or corrected as required by law. 

Thank you for your prompt attention to this matter. I trust this will be resolved expeditiously in accordance with the provisions of the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: OR

Complaint narrative:
XXXX provided me with an advertisement claiming they could lower my car payment from {$600.00} to {$420.00}, saving me thousands in interest. XXXX has both my credit report and the VIN number and mileage of my car, however after I applied, I was told I needed a $ XXXX down payment to complete the loan request, which was not mentioned in the advertisement. After spending the last few years struggling to rebuild my credit, this loan request has caused a hard inquiry on my credit report that I really can not afford to have without the savings to my car loan interest. 

The company I've been working RateGenius and XXXX on this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint regarding XXXX refusal to remove a negative account from my credit report, despite the unique circumstances surrounding this debt. 

XXXX XXXX : A XXXX account was placed under my name, but I did not have access to it. 
The account was managed by XXXX XXXX and all contact information ( including the email and phone number ) was linked to them, not me. 
I was never notified of any balance due because I did not have access to the account or billing statements. 
When I discovered the outstanding balance, I immediately paid the full amount of {$580.00} over the phone to resolve the issue. 
XXXX has since confirmed that the balance has been settled, yet they refuse to remove the negative mark from my credit report. 
This debt was never intentionally neglected on my part ; I had no knowledge of it until it had already affected my credit. 

My Request : Given that I was never notified of this debt and took full responsibility by paying it as soon as I became aware, I am requesting that this account be removed from my credit report as a goodwill gesture. The negative reporting is unfair because I was unable to manage the account or receive billing notifications. 

Desired Resolution : I would like XXXX to remove this negative account from my credit report with XXXX, XXXX, and XXXX. If they refuse to do so, I request that CFPB investigate whether proper notification procedures were followed before reporting this debt to the credit bureaus. 

Since contacting XXXX and settling the balance I was able to transfer the accounts contact information, and address into mine to prevent this situation from happening again. 

Thank you for your time and assistance in resolving this matter. I look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2025-02-20 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation