vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Cease and Desist Demand Regarding Account # XXXX Account # XXXX Account # XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me regarding the above-referenced account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This demand includes, but is not limited to, any form of direct or indirect communication, whether by phone, mail, email, or through any third parties. 

Furthermore, I expressly assert that reporting information about this account to any credit reporting agencies constitutes a form of communication under the FDCPA. By reporting or continuing to report this debt to the credit bureaus, you are indirectly communicating with me about the alleged debt. As such, this practice must also cease immediately. 

It is important to note that the FDCPA provides clear legal protections for consumers against any form of harassment or unfair communication. This letter serves as my written notification to invoke my rights under federal law. Should you continue to report this account to credit bureaus or engage in any other form of communication, I reserve the right to pursue legal remedies for noncompliance. 

Additionally, if you believe I owe any amount in connection with this account, you are required to provide full validation of the alleged debt. Such validation must include, but is not limited to : The name and address of the original creditor. 

A detailed accounting of the alleged debt, including the date and amount of the original transaction. 

Proof that you have the legal authority to collect this debt, including a copy of any assignment or transfer agreement. 

If you fail to provide proper validation of this debt, I demand that you delete any and all references to this account from my credit reports. 

This letter is not an acknowledgment of any liability for the debt. I expressly deny all liability and dispute the validity of this debt in its entirety. Any further attempts to collect without proper validation will be considered a violation of my rights under the FDCPA and applicable state laws. 

You are hereby notified that any future communication, including but not limited to reporting to credit bureaus, will be documented as evidence of noncompliance. Should further violations occur, I will not hesitate to take all necessary legal actions to protect my rights. 

Please confirm in writing that you have complied with this demand to cease and desist all communication, including reporting to credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 2025-01-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On dates XXXX, XXXX, XXXX and XXXX, my credit was ran without my authorization. There were no actions taken against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate action to address your clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information stemming from identity theft. Your inaction is both unlawful and unacceptable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, you have failed to conduct a proper investigation into the fraudulent accounts. Ignoring evidence does not constitute a reasonable investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA requires you to notify me of your investigation results within 30 days. To date, I have received no such communication. This lack of transparency demonstrates negligence and non-compliance with federal law. 

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are required by law to block fraudulent information upon receiving an identity theft report. Your failure to do so has allowed the continued publication of inaccurate and damaging information, violating my rights.

Legal Precedents Supporting Your Liability Your actions are not without consequence. Courts have consistently held credit reporting agencies accountable for similar violations : XXXX XXXX XXXX XXXX ( XXXX ) : Affirmed your obligation to conduct meaningful investigations beyond reliance on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Established that credit bureaus can not delegate their investigative duties to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Highlighted the severe repercussions of failing to comply with FCRA obligations, including liability in class-action lawsuits and significant damages. 
Demand for Immediate Action I demand the following corrective actions without delay : Conduct a thorough investigation into the disputed accounts and fraudulent transactions.

Provide a detailed written explanation of your investigation process and results.

Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address these violations within the FCRAs legally mandated timeline will leave me no choice but to escalate this matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action to seek statutory and punitive damages, as well as recovery of attorneys fees, under 15 U.S.C. 1681n and 1681o.

This letter serves as your final notice to rectify these violations. Continued non-compliance will be treated as willful disregard for federal law, and I will take all necessary steps to hold you accountable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: MN

Complaint narrative:
am writing to formally dispute certain information in my credit file with your bureau. Upon review of my credit report, I believe that there has been a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, in relation to the furnishing and obtaining of my personal information.

To be clear, I have never provided written consent to any party to furnish or obtain my personal information as it relates to the credit reporting process. I would like to bring to your attention that under 15 U.S.C.

1681b, personal data can not be obtained or shared without appropriate authorization, particularly when there is no written As required under the FCRA, I respectfully request that you : 1. Investigate and verify the accuracy of any information that was furnished or obtained regarding my credit report.

2. Provide evidence of my written consent or authorization for the reporting of my information, as stipulated by law.

3. Remove any inaccurate or improperly obtained information that is not compliant with the FCRA and your obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> & XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demanded these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: IL

Complaint narrative:
I received a mailing from Cash App with a prepaid cash app card with my first and last name an expiration date of XX/XX/XXXX, I called XXXX listed on the card today XX/XX/XXXX at XXXX to let cash app know that it was a fraudulent account and that I had not opened it and that I wanted the account closed. The cash app representative XXXX said that in order to close the account I needed to click on a link that she could be sending through an email and I would need to send her ( Cash App company ) a photo of the front and back of the card received in order to be able to close it. I told her I did not feel conformable following those instructions and sending her those pictures of the card received. I let her know that I wanted the account closed immediately. 

She stated in case you did not hear the first time I will repeat it again, you will need to click on the email that I will be sending you by email and then you need to send me a copy of the front and back of the card in order for the account to be closed. I told her I will not be responding to an email with a copy of the fraudulent card that I received in the mail and I want this account to be closed immediately. The call became silent and I said Hello, Hello, and the Cash App representative hung up the call. 

I then received an automatic/voice generated call from cash app at XXXX from XXXX - XXXX that if I needed help activating my card to call back. 

I am very concerned that someone opened up a card with my name and that Cash App company representative does not want to close it. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AR

Complaint narrative:
I obtained a tenant to take over my lease at XXXX XXXX XXXX and paid for a month of rent in XXXX of 2021 but the girl taking over the lease also paid for the whole month of rent for XXXX of 2021 so I spoke with the property manager over the phone and she told me that instead of my paying the {$220.00} lease takeover fee, she would use my double payment for the month of XXXX to just use as my fee for getting someone to take over the lease. Shortly after she promised me this ( there are phone records of this ), the property manager quit and the apartments were taken over by new management. I have been in contact with them and they have admitted fault and that it was mistakenly never used to cover my fees and mistakenly sent to collections but they wont deal with it since its already in someone elses hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-09 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: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2025 NCB Management Services , Inc. [ Their Address ] [ City, State, ZIP Code ] RE : Cease and Desist Letter To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ) that I demand NCB Management Services , Inc. cease all communication with me regarding any alleged debt you claim I owe. This demand includes, but is not limited to, all forms of communication such as phone calls, emails, letters, and any other means of contact. 

Furthermore, please be advised that reporting information regarding this alleged debt to any credit reporting agency constitutes a form of communication as defined under the FDCPA. Continued reporting or updating of this alleged debt to credit reporting agencies after receipt of this notice will be considered a violation of my rights under the FDCPA and potentially other applicable laws. 

If you believe you are legally entitled to communicate with me for specific reasons despite this notice, you must provide documentation to substantiate your claim, including proof of the alleged debt and your authority to collect it. Absent such documentation, any further communication or activity regarding this matter will be considered harassment and will be reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General. 

Be advised that I am aware of my rights under the FDCPA and other applicable laws. Any violation of these rights will be met with appropriate legal action. 

You are hereby instructed to comply with this request immediately. Failure to do so may result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 non-monetary relief