vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CO

Complaint narrative:
There is an acct that is reporting as collections, This acct is inaccurate. I did not agree to sell this account, nor has the company validatedths debt. I was a victim XXXX  XXXX and was covered under federal XXXX XXXXThis account has been illegally added and the fact that this account was sent to collections within 60 days of me vacating the alleged property is also questionable. We were NOT notified of this balance and they have refused to validate this debt as of XX/XX/year> and within 30 days as of I advised each agency/company by CERTIFIED letters requesting they provide proof to substantiate this account within 5 days and this was not done. Therefore, I am requesting this derogatory mark be removed since it was NOT validated. If it is not, I have filed a complaint with the Federal Trade Commission, The Colorado Attorney Generals Office, Consumer Financial Protection Bureau and any other agency that assisted in adding this derogatory account to my credit and/or attempt to collect these amounts again. I will also file Civil and Criminal claims will be pursued in federal or state court for up to {$1000.00}, including damages against any and all agencies that assisted in violations in accordance with 15 U.S. Code 1692g. I have Therefore, XXXX XXXX is in violation of The Fair Debt Collections Practices Act ; 15 U.S. Code 1692g and refused to provide detailed information that your company sent/notified me Notice of Debt the original 30 days of receipt of the 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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute and request a correction of the following information appearing on my XXXX  consumer report : The report indicates that I owe a balance to this company, but I have never been notified, advised, or contacted about this debt via physical documentation or correspondence. 
- The reported balance is inflated and does not reflect any costs I was ever advised of. 
- I was never provided documentation or account details to verify the legitimacy of this claim. 
- A forwarding address was on file, so any paperwork should have been sent to me. 
- This is the **second claim** the company has attempted to place on me. The first was disputed directly with XXXX, as neither balance reflected the remaining amount or the agreed-upon terms to break the lease. 
- This debt was reported during a **national state of emergency** ( XXXX pandemic ), during which I was personally affected and can provide proof of financial hardship. 
- I was forced to relocate in XXXX XXXX due to the closure of the college I was attending and can provide proof of relocation with a parent or guardian. 
- The original lease agreement stated that the balance to break the lease did not exceed ** $ XXXX, and I was advised that breaking the lease was not possible during my relocation. 
- At the time of vacancy, I was a **military spouse** and provided military orders, proof of marriage, and active service documentation. I can provide this proof again if needed. 
- I request a formal investigation into the legitimacy of this debt and a correction of the reported balance. 
- I also request leniency due to the circumstances surrounding this debt, including the national emergency and my inability to resolve this matter earlier due to lack of communication from your company. 
I can provide the following documentation to support my dispute : 1. Proof of no legal contact or documentation from your company since XXXX. 
2. Proof of income loss during the XXXX pandemic. 
XXXX. Proof of forced relocation in XXXX XXXX. 
4. A copy of the original lease agreement, which states the balance to break the lease did not exceed ** $ XXXX. 
5. Proof of military spouse status, including military orders, marriage certificate, and active service documentation at the time of vacancy. 

I look forward to your prompt response and resolution of this matter. Please contact me if additional information is required.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding the XXXX XXXX XXXX XXXX account ( Account # XXXX ). Upon reviewing my report, I noticed discrepancies that require immediate correction. 

The specific inaccuracy pertains to the balance update date, which is listed as XX/XX/XXXX. This date is incorrect as it reflects a future balance update that has not yet occurred. Additionally, the past due amount and charged-off status should be reviewed for accuracy, as the last payment date is recorded as XX/XX/XXXX, and the balance should reflect any adjustments accordingly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I request an investigation into this matter and that the incorrect information be either corrected or removed from my credit report.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint against XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX between ( XX/XX/XXXX, XXXX XX/XX/XXXX ) for unauthorized credit inquiries on my consumer credit reports. These inquiries were conducted without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Details of the Violation XXXX. XXXX : I engaged in a barter transaction with XXXX but received nothing in return. 
XXXX closed the account before the XXXX timeframe, preventing me from verifying approval or conducting further business. 
I did not obtain any financial benefit, no permissible purpose existed for this inquiry. 
XXXX. XXXX, XXXX and XXXX I did not authorize to conduct a credit inquiry. 
I do not have an active credit relationship or open account with these companies Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Permissible Purpose : These companies had no valid reason to access my credit report.

15 U.S.C. 1681i Accuracy of Consumer Reports : The credit bureaus failed to verify these inquiries properly, leading to inaccurate reporting.

15 U.S.C. 1681n & 1681o Civil Liability : These unauthorized inquiries have negatively impacted my credit profile, and I reserve the right to pursue legal action for damages.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent accounts on my report, Please remove all fraudulent account. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Non-Compliance with FCRA 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute the non-compliance of your organization with the Fair Credit Reporting Act ( FCRA ), which has resulted in negligence and civil liability under 15 U.S. Code 1681o. I have reason to believe that your failure to comply with FCRA regulations has negatively impacted me, and I am requesting immediate corrective action.

Details of the Non-Compliance : Negligent Handling of My Credit Report : FCRA violation, such as failure to investigate a dispute properly, incorrect reporting of information, or lack of proper notification on XXXX XXXX account. 

Failure to Conduct a Reasonable Investigation : There was failure of investigation with the legal timeline given 30-45 days on XXXX XXXX account. 

Harm and Damages Incurred : Due to your organizations negligence, I have suffered financial, emotional, or credit-related harm, such as denied credit, increased interest rates, or emotional distress. 

Legal Basis : Under 15 U.S. Code 1681o, any person who is negligent in failing to comply with the FCRA is liable for : Actual damages sustained by the consumer due to the negligence.

Attorneys fees and costs, if legal action is pursued.

Requested Action : Immediate investigation and correction of the inaccurate information on my credit report.

Written confirmation that the issue has been resolved and that no further incorrect reporting will occur.

Compensation for damages incurred due to your negligence, as permitted under 15 U.S. Code 1681o.

If I do not receive a satisfactory response within [ reasonable timeframe, e.g., 30 days ], I will be left with no option but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies.

Please consider this matter with urgency. I expect a written response outlining the steps you will take to resolve this dispute. You may contact me at XXXX XXXX should you require any further information. 

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: 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Non-Compliance with FCRA 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute the non-compliance of your organization with the Fair Credit Reporting Act ( FCRA ), which has resulted in negligence and civil liability under 15 U.S. Code 1681o. I have reason to believe that your failure to comply with FCRA regulations has negatively impacted me, and I am requesting immediate corrective action.

Details of the Non-Compliance : Negligent Handling of My Credit Report : FCRA violation, such as failure to investigate a dispute properly, incorrect reporting of information, or lack of proper notification on XXXX XXXX account. 

Failure to Conduct a Reasonable Investigation : There was failure of investigation with the legal timeline given 30-45 days on XXXX XXXX account. 

Harm and Damages Incurred : Due to your organizations negligence, I have suffered financial, emotional, or credit-related harm, such as denied credit, increased interest rates, or emotional distress. 

Legal Basis : Under 15 U.S. Code 1681o, any person who is negligent in failing to comply with the FCRA is liable for : Actual damages sustained by the consumer due to the negligence.

Attorneys fees and costs, if legal action is pursued.

Requested Action : Immediate investigation and correction of the inaccurate information on my credit report.

Written confirmation that the issue has been resolved and that no further incorrect reporting will occur.

Compensation for damages incurred due to your negligence, as permitted under 15 U.S. Code 1681o.

If I do not receive a satisfactory response within [ reasonable timeframe, e.g., 30 days ], I will be left with no option but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies.

Please consider this matter with urgency. I expect a written response outlining the steps you will take to resolve this dispute. You may contact me at XXXX XXXX should you require any further information. 

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 2025-02-02 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: SC

Complaint narrative:
CONSUMER XXXX CO HAS THIS ACCOUNT AS A COLLECTION ACCT FROM XXXX WHICH IS NOT MY ACCOUNT IT IS FRAUD. 

FTC TO BE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered Misleading information of a address that assigned to account thats on my credit report this is missinformed information account reporting on my credit report .Consumer Reporting Agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.The following account XXXX XXXX XXXX ] have some Inaccuracies reporting wrong address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX i have never been affiliated with this address. According to the fair credit act this account and address has been reported inaccurately on my credit report, therefore it must be delete from the credit report anything that is misleading or reported inaccurately should and will be removed. I request a thorough investigation into these discrepancies and urge you to provide evidence. Such as driver license match the address that is reporting and the original wet signature time of the account was open and have it certified .If unable to furnish such proof, i demand that this account be deleted from my credit report without delay.

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: CA

Complaint narrative:
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$49000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$55000.00} written off. {$49000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$48000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$55000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$55000.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CT

Complaint narrative:
On my credit report the student loan shows late payment, and paid and closed.

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 information incorrect
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
My first year in college, my mother took at a private loan to assist me with college through Sallie Mae, without my consent. I was unaware of the loan, yet it was associated with my social when it was created. My parents then claimed XXXX, and the loan was put into a delayed status, then a payment plan was created. Each payment of the plan was made, on time, and we have record of the payments. When Sallie Mae was absorbed by Navient, or however they merged, the payment history on their end seems to have vanished. I have been harassed regarding this loan by Navient for almost XXXX years. They have consistently reporting it against my credit despite numerous attempts to resolve and explain the situation. I have had this discussion with Navient multiple times, and it involves multiple harassing calls and me explaining the situation over and over again to various individuals until I'm told its been resolved. Then I may have a short reprieve before they begin calling again.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the ( CFPA ). Specifically, Cash App failed to take timely & 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 Regulations E. These actions have caused significant inconvenience and emotional & financial loss, and I 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-02 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: MN

Complaint narrative:
This is the first complaint against Resurgent/LVNV Funding reporting an alleged collection account against me on my credit. I am requesting debt verification, the Bill of Sale and assignment document reflecting the transfer to Resurgent/LVNV Funding. In the future if this matter becomes a legal matter, I will be requesting the original Purchase Agreement bearing my signature to this alleged debt. I looked up Resurgent/LVNV Funding on the XXXX  and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and XXXX to take a look at. Resurgent/LVNV Funding isn't licensed anywhere from where I can see to conduct business collecting in the State of Minnesota. It is my point of view that violations against the Fair Debt Collection Practices Act have been committed. If Resurgent/LVNV Funding doesn't want to pay monetary violations, I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.

Company response to consumer: Closed with explanation
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: IL

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 ( 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