vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against LVNV Funding, LLC for predatory credit score manipulation ( i.e. passive debt reporting, repeated and inconsistent reporting, and/or debt parking ), legal violations, and harassment. Since XX/XX/year>2024, I have repeatedly disputed an alleged debt they continue to report, despite failing to provide the legally required proof of their right to collect or report it. 
Violations Committed by LVNV Funding, LLC : Failure to Validate Debt LVNV Funding has not provided proof of ownership, a signed contract, or a full payment breakdown, violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Credit Score Manipulation They have altered balances monthly, artificially damaging my credit to pressure payment.

Harassment & Evasion Despite ongoing communication, they refuse to resolve the dispute.

Resolution Demands : Cease all reporting of this unverifiable debt. 
Remove the debt from XXXX, XXXX, and XXXX. 
Stop predatory practices of fluctuating balance reports. 
Provide written confirmation of resolution within 5 business days. 
A certified dispute letter has already been sent, and I await their response. However, due to LVNV Fundings ' refusal to comply, I am escalating this matter to the BBB, the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for intervention. If LVNV Funding, LLC fails to act, I will pursue legal action for FCRA and FDCPA violations.

Please investigate and ensure LVNV Funding, LLC, stops its unlawful practices. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without first speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer.

Failure to comply will result in legal action taken against TransWorld System Inc, for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My identity was stolen online and my bank card was charged as well as the person also took out two credit cards in my name in the amount of XXXX. He is also trying to take out a loan for XXXX. I cant stop this person because I dont know who he is.

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 2025-02-05 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: VA

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 explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
My identity was stolen while I was XX/XX/XXXXfrom XXXX XXXX, until XX/XX/year>. During my XX/XX/XXXXfraudulent accounts, unauthorized inquiries, and false personal information ( addresses and employment history ) were added to my credit report without my consent. 

Since my release, I have disputed these fraudulent accounts multiple times with Experian, Equifax, and TransUnion, providing supporting evidence, including : My FTC Identity Theft Report ( Report # XXXX ) My Release from Prison documentation A copy of my government-issued ID Proof of my correct address Highlighted credit reports showing fraudulent items Despite submitting these disputes, the credit bureaus have failed to properly investigate and remove the fraudulent information, violating Section 605B of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), which requires them to block fraudulent information within four ( 4 ) business days upon receiving an identity theft report.

Additionally, I have discovered that the CFPB is currently suing Experian and Equifax for sham investigations, which aligns with my experiencethese bureaus are refusing to conduct a proper review of my dispute.

How This Has Affected Me 1. My credit score has been negatively impacted, affecting my ability to obtain housing, credit, and financial stability.

2. I have been held accountable for debts I did not create, including collection accounts and charge-offs that I never authorized.

3. My personal information is incorrect on my credit report, listing addresses I have never lived at and an employer I have never worked for ( XXXX XXXXXX/XX/XXXX). 
4. I have spent months trying to resolve this issue with no success, despite following proper legal procedures.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had prepaid for a one-week XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during XXXXXXXX XXXX XXXX XXXX season. The payment included the required liability insurance coverage per XXXX law, as stated on the rental agreement. However, upon arrival at the rental counter, the staff insisted that I purchase additional XXXX XXXX XXXX ( XXXX ) despite my protests and presentation of documentation showing the reservation included the insurance amount required by law. XXXX staff refused to release the car without my purchase of XXXX. They knew they had leverage over me since there wasnt any car inventory due to peak holiday season and other rental companies were also out of vehicles. I was in a XXXX XXXX  with no alternative transportation options nor ability to call police to address this extortionary practice. Plus, the prepaid reservation was nonrefundable. I was effectively coerced into accepting this charge to avoid the alternative of not having a car for the 4 of us ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This practice amounts to a forced modification of our original contract terms under duress. I begrudgingly handed over my credit card for the charge, but I screen captured my phone ( has timestamp of place and time ) that included the section of rental agreement stating that the prepaid amount included necessary liability insurance per XXXX XXXX I did this with the intention of disputing the charge. 

After I returned to the US, I opened a dispute of the charge. However, Chase rejected my dispute, stating that the merchant showed proof of authorization. 

Despite my protest that I authorized under duress and that the charge was not necessary per the rental agreement, Chase refused to go back to the merchant to challenge the charge. 

The dispute process is to protect the cardholders. By not challenging XXXX XXXX on the charge, Chase not only did not protect me, the cardholder, it enabled the unprofessional and fraudulent business practice of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: MA

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/year> XXXX had a promotion of free phones for new subscribers and I applied. Phones are supposed to be shipped to my home but they never arrived. I went to the store and cancel it. Store person ok it but never the less I was billed for it. I called customer service and since phone not delivered and service never started, they said they'll take care of it. In XX/XX/year> I received phone calls demanded that I provide ID verification and my full social security no. I refused as I thought that since they called me, they should have all those info. Now they refer this to collection agency : TSI. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-05 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-05 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-05 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: IA

Complaint narrative:
XXXX XXXX Alert DetailsAlert Details Score history Alert summaryXXXX XXXX XXXX XXXX Account Information from Equifax. Descriptors for an account listed on your credit report have been updated. Your FICO Score XXXX based on Equifax data is unchanged at XXXX. 
Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX Descriptors for an account listed on your credit report have been updated Credit change Company XXXX XXXX XXXXXXXX XXXX Balance {$5000.00} Descriptor 1 CONSUMER DISPUTES AFTER RESOLUTION Descriptor 2 CHARGED OFF ACCOUNT Descriptor XXXX ACCOUNT CLOSED BY XXXX XXXX Account number XXXXXXXX Date Opened XX/XX/XXXX Your score may be affected by additional information in your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 violations.

Company response to consumer: Closed with explanation