vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
These are the accounts I marked as inaccurate : 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Karma had ran my credit without my knowledge for line of credit. This is an issue that needs to be fixed. XXXX XXXX and XXXX XXXX are the company 's that emailed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  denied my dispute, allowing a seller to keep my money without receiving any services from them. I asked the seller for a refund and they told me they would give me one. The app had a technical issue and wouldnt allow the seller to refund me. They reopened my dispute and denied my refund. They allow sellers to take and keep money from them without receiving any services. I need that money to spend on an unexpected emergency situation. I am a low income individual. That money should be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collection Outsourcing is illegally contacting my business of work and myself without my authorization. I am demanding that Fair Collection Outsourcing ( FCO ) to never contact me again or my place of business

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 2025-01-28 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: CL Holdings LLC
State: IL

Complaint narrative:
i Have taken action on this matter and they are still reporting according USC 1692 ( b ) ( f ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NV

Complaint narrative:
XXXX lender collection this been past around XXXX and old hard inquiries are still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
You are over 90 days past the legal time frame to fix the issue.

See attached Affidavit and Proof. Official documents with signed & notarized Affidavit has been sent via certified mail with tracking as of XX/XX/year>.

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 2025-01-28 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: GA

Complaint narrative:
I have noticed unauthorized items on my report.. 
Name of company-XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current balance- {$8500.00} Name of company-XXXX XXXX XXXX XXXX Open date-may XXXX XXXX XXXX XXXX balance- {$7600.00} Name of company-XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Current balance- {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I have noticed unauthorized items on my report.. 
Name of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current balance- {$8500.00} Name of company-Genesis credit management LLC Open date-may XXXX XXXX XXXX XXXX balance- {$7600.00} Name of XXXX Al XXXX XXXX XXXX, XXXX Current balance- {$2000.00}

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 explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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
Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and found incorrect information regarding my Capital One account. I request that this error be investigated and corrected promptly. 

Specifically, the following information is inaccurate : XXXX XXXX : My credit report states that this account was charged off. However, this is incorrect as the account was either paid in full or settled. I request verification and proper correction of this status. 

Payment History : The report inaccurately shows past due payments for multiple months. This is incorrect because payments were either made on time or not applicable due to account closure. Please provide detailed verification or correct this section to reflect accurate reporting. 

High Balance and Credit Limit Discrepancies : The reported high balance of {$560.00} and credit limit of {$500.00} from XX/XX/XXXX do not align with my records. Kindly provide documentation substantiating these amounts or adjust them accordingly. 

As required by the FCRA, I request that the inaccurate information be investigated and either corrected or removed. Please provide me with written confirmation once the necessary changes have been made. If you require further details, I am happy to provide supporting documentation upon request. 

Additionally, I request that you send me an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. Please confirm receipt of this dispute at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The information on my credit reports has multiple addresses. 

I would like my information to be corrected immediately!! 

My proper and only address is as follows : XXXX XXXX XXXX XXXX, XXXX AL XXXX. 

My XXXX information is also incorrect : My Employer is XXXX in XXXX AL. 

I recently applied for an apartment and was denied after being sent over a lease. They denied me and did not list reasons why in the report. I would like this inquiry removed as it is not verified!! 

I also have XXXX other inquiries that need to be removed as I did not verify any hard inquiries or soft inquiries. 

Also, I called XXXX 6 times. Each time the automated system told me they could not proceed with me and ended our call. So I moved to the credit agency, Equafax. When I tried to make a dispute about my information, it told me it could not process a dispute at this time. But gave me no reasons as to why. 

Calling multiple times and not able to proceed, and going online and being told not able to proceed is dilatory tactics in my opinion. 

It was not easy or simple to get the information corrected, or inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX U.S.C. XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 
Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo permanently suspended my account on XX/XX/year> with no specific reason other than 'concerns regarding your activity '. I simply use the app to exchange money with friends and family. Occasionally notes are included ( often as jokes ), and I fear that Venmo is taking these literally which triggered the suspension. I have never used Venmo for anything illegal. My account needs to be reinstated since there is no proof that I have done anything illegal to warrant this suspension ( and I never will do anything illegal regarding Venmo usage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Subject : Credit Report Violations by XXXX, Equifax, and XXXXXXXX XXXX Details of the Complaint : I am filing this complaint against XXXX, Equifax, and XXXX XXXX  due to inaccurate reporting, Metro 2 compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : XXXX & Equifax Violations Found : Duplicate Account Reporting ( Metro 2 Violation ) This account appears twice under different names, falsely inflating my debt. 
Metro 2 requires only the current debt owner ( LVNV Funding ) to report.

Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report. 
Re-aging is illegal and harms my credit unfairly. 
Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed. 
C

ontradictory Payment History ( Metro 2 Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off. This creates a data accuracy issue that violates Metro 2 reporting standards. Failure to Validate Debt ( FDCPA Violation - FCRA 809 ) LVNV Funding has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that XXXX and Equifax immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and LVNV Funding fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Subject : Credit Report Violations by XXXX, XXXX, and LVNV Funding Details of the Complaint : I am filing this complaint against XXXX, XXXX, and LVNV Funding due to inaccurate reporting, XXXX XXXX compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : LVNV Funding ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : XXXX & XXXX Violations Found : Duplicate Account Reporting ( XXXX XXXX XXXX ) This account appears twice under different names, falsely inflating my debt. 
XXXX XXXX  requires only the current debt owner ( LVNV Funding ) to report.

Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report. 
Re-aging is illegal and harms my credit unfairly. 
Incorrect Account Status ( XXXX XXXX & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed. 
Contradictory Payment History ( XXXX XXXX Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off. 
This creates a data accuracy issue that violates XXXX XXXX reporting standards. 
Failure to Validate Debt ( FDCPA Violation - FCRA 809 ) LVNV Funding has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that XXXX and XXXX immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and LVNV Funding fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Dear ( RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation