vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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 the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-07 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXXXXXX XXXX XXXXXXXX - This is very outdated and appears to be reporting inaccuratelyto report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of

15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at
least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/XXXXXXXX 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

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX BANK XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX BANK bank 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to deposit two checks totaling almost {$700.00} using Ingo Moneys check cashing service. The checks were approved, and I was charged a fee for immediate deposit, but the funds never arrived in my account. 

Since then, I have contacted Ingo Money multiple times to resolve the issue. I have spoken with several customer service agents, all of whom have acknowledged the problem and assured me that my case was " escalated '' for resolution. However, despite these repeated escalations, my deposit has not been processed, and my money remains inaccessible. 

Ingo Money has refused to refund or return the funds to the check writer, even though the checks were processed and cleared on their end. I was given inconsistent explanationsone agent said there was an issue with my card, another told me the transaction needed further review, and others have simply told me to " wait another 24 hours, '' only for nothing to happen. 

This unjustified delay has caused me financial hardship, including a past-due bills that I could not pay because my funds are being held hostage. I paid for an immediate deposit service, yet Ingo Money has failed to fulfill its obligations. 

I am seeking the immediate release of my {$700.00} deposit or a full refund of my money. If Ingo Money can not process the deposit, they must return the funds to the original check writer immediately. Their failure to take appropriate action despite weeks of requests is unacceptable. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Demand for Harassment and Collection Activities To Whom It XXXX Concern, I am writing to formally demand that Midland Credit Management immediately cease and desist all collection activities related to the alleged debt referenced under my name, XXXX XXXX, and the account number ( XXXX ) associated with this matter : XXXX XXXX Bank XXXX account ending XXXX. 

I dispute the validity of this debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( XXXX  ) and applicable state laws. Specifically, I request that your company immediately stop : XXXX. Contacting me via phone, mail, email, or any other means regarding this debt, unless otherwise required by law. 
XXXX. Attempting to collect on this debt or reporting it to any credit reporting agency. 
XXXX. Engaging in any form of harassment or aggressive collection tactics. 
In accordance with the Fair Debt Collection Practices Act ( XXXX  ), I request that you provide proof of the debts validity, including but not limited to : The original creditor 's name. 
The amount owed. 
Documentation that clearly shows I am responsible for this debt. 

Until I receive the necessary documentation proving the validity of this debt, I ask that you stop contacting me for payment. Failure to do so XXXX result in further legal actions, including filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XX/XX/XXXX), and my states Attorney Generals office. 

Please note that this letter constitutes my formal notice to cease all collection activities in accordance with my legal rights. I expect confirmation that this matter has been addressed and that you will no longer attempt to contact me or pursue any action regarding this debt unless you can provide the required documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I am writing to request the removal of inaccurate reporting by the credit reporting agencies regarding XXXX XXXX. I do not know owing them any amount. Furthermore, there are several discrepancies in the reported information between TransUnion and Equifax - TransUnion reports a monthly payment of {$0.00}, whereas Equifax shows {$540.00}. 
- The date opened has a XXXX difference. 
- The balance reported has a {$9800.00} difference. 
- The number of months reported has a XXXX difference. 
- The past due amount has a {$1500.00} difference. 
- The last date reported has a XXXX difference. 
- The last date active has a XXXX difference. 
- There is also a discrepancy in the last date of payment. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/year> LVNV Funding LLC Attn : Customer Service/ Legal Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Re : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist from any further communication, collection efforts, or other actions related to the alleged debt referenced by LVNV Funding LLC XXXX I believe that your actions are in violation of my rights under applicable consumer protection laws, including the Fair Debt Collection Practices Act ( XXXX ). 

Specifically, I am requesting that you immediately stop any and all of the following actions : XXXX. Cease all phone calls, letters, emails, and any other forms of communication related to this alleged debt. 
XXXX. Cease any attempts to collect this alleged debt from me. 
XXXX. Immediately halt any reporting of this alleged debt to credit bureaus or third parties. 
I dispute the validity of the debt and request that you provide documentation proving the legitimacy of the debt and your legal right to collect it. If you are unable to provide such proof, I demand that you immediately cease any further collection attempts and remove any inaccurate information from my credit report. 
Please be advised that if you fail to comply with this request, I will consider all available legal options, including filing a formal complaint with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my states attorney general 's office, as well as pursuing legal action for violations of the FDCPA and other relevant laws. 

This letter is a formal demand that you cease and desist from any further actions related to this matter. I expect a written confirmation of your receipt of this letter and your immediate compliance with my demands. I also request that you refrain from further communication with me, except to confirm that the matter has been resolved. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LVNV FUNDING, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) Dear LVNV FUNDING LLC, I am writing to formally demand that you cease all communication with me regarding the alleged debt associated with account number [ Your Account Number, if applicable ]. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this matter. 
Effective immediately, you must cease all communications with me, including phone calls, letters, emails, or any other form of contact. The only exceptions allowed under the law are : To inform me that you will no longer contact me. 
To notify me of any specific legal action you intend to take regarding this debt. 
Failure to comply with this request may result in legal action against your company for violations of the FDCPA, including potential damages and attorneys fees. 
Please confirm in writing that you have received and will comply with this request. If you continue to contact me in violation of this law, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
This letter serves as my formal notice. Please keep a record of this correspondence for your files. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA ( XXXX XXXX. XXXX ) To Whom It XXXX Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under XXXX XXXX. XXXX, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), if you fail to provide adequate validation within XXXX  days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus XXXX constitute a violation of the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX. XXXX ( b ), as established in XXXX v. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request XXXX result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( XXXX U.S.C. XXXX ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within XXXX  days, I will escalate this matter to the Consumer Financial Protection Bureau ( XXXX  ), Federal Trade Commission ( XXXX  ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX SVC - XXXX - XX/XX/XXXX - {$19000.00} XXXX  - XXXX - XX/XX/XXXX - {$990.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX FCU - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  CARD XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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: OK

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-03-07 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: EQUIFAX, INC.
State: MI

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

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

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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

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

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation