vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: DC

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
THESE COMPANIES ARE : XXXX XXXX XXXX XXXX XXXX BALANCE {$830.00} With no payment history, & XXXX XXXX balance {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the collection being reported by LVNV Funding LLC because it is the result of identity theft. I did not open this account, nor did I authorize anyone to open it on my behalf. I am requesting that LVNV Funding LLC verify the validity of this collection per U.S. consumer laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Specifically, I demand that LVNV Funding LLC provides : A complete and detailed validation of the debt, including documentation proving the debt is mine, as required under the FDCPA. 
Evidence that I agreed to the debt, such as signed agreements or proof of services rendered. 
Proof that LVNV Funding LLC has the legal right to collect this debt. 
An investigation into this fraudulent account and removal of this collection from my credit report if it can not be validated. 
Under the FCRA, LVNV Funding LLC is obligated to ensure accurate reporting of consumer information. Since this account is fraudulent, its presence on my credit report constitutes a violation of these laws. I demand that LVNV Funding LLC immediately cease all collection activities and remove the inaccurate information from my credit reports. 

Please address this matter urgently. Failure to comply with these legal requirements may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing this complaint to report that Experian has failed to properly investigate my disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, Experians actionsor lack thereofhave directly caused harm to my creditworthiness and financial stability. 



Summary of Issues Experienced : 1. Failure to Properly Investigate Disputes When I disputed inaccurate information on my credit report, Experian failed to conduct a proper investigation as required under the FCRA ( 1681i ( a ) ). Instead, Experian either sent me generic responses or relied solely on data furnishers without verifying the accuracy of their responses, even when the information was clearly improbable or contradictory. 

2. Reinsertion of Deleted Information After disputing and having inaccurate tradelines removed from my credit report, Experian allowed the same inaccurate information to reappear under the name of a different furnisher, without notifying me or ensuring the information was accurate, as required by the FCRA ( 1681i ( a ) ( 5 ) ( C ) ).

3. Failure to Notify and Inform Me of Investigation Results Experian sent me vague or unclear notices regarding the outcome of their investigations, which failed to meet the FCRAs requirement to inform consumers of investigation results ( 1681i ( a ) ( 6 ) ).

4. Harm and Impact These actions have caused significant harm, including : Denial of credit.

Lowered credit scores due to unresolved inaccurate information. 

Emotional distress due to the time and effort spent disputing the same errors repeatedly. 



Legal Provisions Violated : FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of information. 

FCRA 1681i ( a ) : Mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes regarding the accuracy of information. 

FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of previously deleted information unless certain conditions are met, including notifying the consumer. 

FCRA 1681i ( a ) ( 6 ) : Requires credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I made every single payment on my mortgage through Investors Bank. My mortgage was sold to Citizens when Citizens bought Investors last year. Citizens immediately showed their issues with transition when they sent multiple wrong emails about mortgages and every time I called to ensure everything was correct. For example, I received an email that my escrow was not paid - it was through the mortgage, but Citizens issued an error. 

When everything was finally settled with the transition, I reached out to Citizens to ensure everything was set up and they assured me it was. At some point, I was kicked off auto pay and even though money was deposited into my account, it was not drawing out the mortgage. When I logged in, no error message came up to let me know anything was due so I thought it was fine. One day, I looked deeper and saw it was not paying the mortgage. I reached out and Citizens said it kicked me off auto pay but they could not reverse the late charge. I was never contacted by the bank to let me know of this issue and was not given any grace due to their system error. 

I reached out via phone and no one could help. If you look in my payment history, I never missed a single payment with Investors and this company 's wonky online system and incompetence is the reason an error occurred.

Now I am trying to purchase a new home and it is impacting my credit. I am writing for an investigation to occur so I can hope to have the late penalty reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OK

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Dispute of Debt on Equifax Credit Report for Account Ending XXXXXXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute a debt reported on my Equifax credit report related to the account ending in XXXX, which is listed under XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The reported debt is inaccurate, and I am requesting that it be investigated and removed from my credit report. 

There are 7 reported late payments showing. Despite my repeated requests to XXXX XXXX for clarification and documentation related to this alleged debt, I have not received the necessary purchase agreement or bill of sale that would substantiate their claim. I have sent formal requests, as outlined in my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), but there has been no resolution to this matter.

Under 15 U.S.C. 1692g of the FDCPA, I have requested that the creditor provide me with evidence of the debt, including the purchase agreement and bill of sale, and yet no responsive documentation has been provided. The lack of proper documentation undermines the validity of the debt, and as such, I request that the Consumer Financial Protection Bureau intervene to ensure compliance with these laws. 

Additionally, under 15 U.S.C. 1681i ( a ) of the FCRA, I have the right to dispute any information that I believe to be inaccurate or incomplete on my credit report. Since XXXX XXXX  has failed to provide evidence substantiating the debt, and due to the absence of any agreement or bill of sale to verify the authenticity of this obligation, I request that you investigate this matter thoroughly and remove the debt from my Equifax credit report.

I respectfully request that the CFPB compel XXXX XXXX to comply with my legal rights and provide the appropriate documentation to validate this debt. If they are unable to do so, I request that this item be permanently removed from my credit report. 

Please confirm receipt of this dispute and advise me of the steps you will take to address it. I appreciate your prompt attention to this matter and look forward to your resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
Transunion failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has been consistently failing to adequately notify consumers of dispute outcomes. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

The following accounts have been disputed and yet still has remained : XXXX XXXX XXXX XXXX XXXX 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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
Company-Tower loan Account was closed on XX/XX/year> And was charged off as a write off and still appear of my credit report But haven't sent me a XXXX form or proof of debt every time I call they are very rude and wont answer my questions or sent information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/2025, I received a denial for a credit application with XXXX and various lenders, citing my LexisNexis XXXX XXXX XXXX  of XXXX, which was used in their decision-making process. This score is significantly lower than my current credit scores from major credit bureaus, which are XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

I previously opted out of LexisNexis reporting services, and I am deeply concerned that my data is still being accessed and used without my consent. Despite my opt-out, LexisNexis continues to provide my personal and credit information to lenders, which I believe is a violation of my rights under the FCRA.

FCRA Violations Observed : Failure to Honor Opt-Out Request ( 15 U.S.C.1681b ( c ) ) : I formally opted out of LexisNexis data sharing ; however, my information was still accessed and reported to XXXX, contributing to the denial of my credit application. 

Reporting Inaccurate Information ( 15 U.S.C.1681e ( b ) ) : LexisNexis has provided outdated and inaccurate data that does not reflect my true credit standing, leading to significant financial harm. 

Failure to Provide Disclosure ( 15 U.S.C.1681g ) : When I requested my full LexisNexis report, I was not given a complete disclosure of the information they hold, preventing me from verifying its accuracy. 

Failure to Investigate Disputes ( 15 U.S.C.1681i ( a ) ) : I have attempted to dispute the accuracy of my reported information, but LexisNexis has not provided a timely response or corrected the discrepancies. 

Harm Caused due to LexisNexis 's inaccurate and unauthorized reporting : 1. I have been denied access to necessary credit for my personal and business needs 2. My creditworthiness has been unfairly misrepresented to lenders.

3. I have suffered financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear CFPB, I am writing to bring your attention to fraudulent Paypal activities. I have two accounts with Paypal ( XXXX & XXXX ) and each has around {$60.00} balance in my wallet. 

Paypal froze my account and would not let me withdraw my money. For the past 10 years, I contacted this scam company numerous times and they never get back to me. I believe this is a systemic issue and many people are experiencing the same. In the mean time, Papal generated a lot of interest and income by illegal withholding people 's money. 
I urge your agency initiate an investigation against Paypal 's fraudulent business practice and get American people 's hard earned money back. 

Thank you very much for our prompt attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
EXPERIAN has failed to fulfil its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have had so many issues with cash app, and especially getting help through cash app support. I have had everything from unapproved transactions appear, unapproved, sending money from my account to other accounts and potentially scam and/or fraud on my account. Reaching out to Cash App support has been extremely difficult, they never are able to help with the information that I request such as Proof of these transactions and or statements. I have had issues dating as far back as XX/XX/year> that still have not been resolved. When attempted to get help from cash app support they are never able to give me a definite answer on how to address the issue, or they say that theyre unable to do that, theyre never able to return my money or even help fully file a complaint and process it. Ive even gone to the extent of contacting local authorities and creating police reports. these are just issues that Ive had under this cash app account with the email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX have put charged off items back on my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I'm having things reported on my credit that do not belong to me, and it's impacting my credit and my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report one fraudulent account appearing on my consumer FICO credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX  on XX/XX/2023 under the account number XXXX. Additionally, there was a fraudulent hard inquiry by XXXX XXXX on XX/XX/2023 and XXXX XXXX on XX/XX/2023. These items have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. I demand the removal of the following addresses, as they are associated with the fraudulent activity : XXXX XXXX XXXX XXXX, XXXX, MA XXXX ; and XXXX XXXX XXXX, XXXX, MA XXXX. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief