vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX I reported fraud charges to moneylion after I noticed the charges were not charges I processed. This was their response below saying that these were my charges that I authorized from XXXXXXXX XXXX, XXXX, and a place from XXXX, NY which I am located in XXXX. Now what I attach right here is my activity that shows I did not use XXXX eats nor XXXX. I have not used XXXX since XXXX Dear XXXX XXXX, We have completed our investigation of the dispute received from you on XX/XX/XXXX for the following transaction ( s ) : Date Description Amount Disputed Amount XX/XX/XXXX XXXX * XXXX XXXX, XXXX XXXX, CA {$51.00} {$51.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA {$88.00} {$88.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA {$59.00} {$59.00} XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, NY {$140.00} {$140.00} XX/XX/XXXX XXXXXXXX # XXXXXXXX XXXX XXXX, XXXX, NY {$170.00} {$170.00} XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, NY {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX, CA {$93.00} {$93.00} We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. 

We have come to this conclusion because : Account verified by XXXX. 
No deny codes XXXX that could indicate any suspicious activity occurred XXXX continued funding the account after the disputed transactions with XXXX and did not report a discrepancy, indicating XXXX was aware of the balance. 
XXXX has history of frequently using XXXX, XXXX and XXXX As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other Financial Institutions, Merchants, and Networks as part of the claim review. Based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. This notice serves as final resolution of your claim. You have the right to request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card or in your app as we would be happy to assist you further. 

Sincerely, Moneylion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Company reporting incorrect trade line balance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC for their violations of consumer rights. Notably, LVNV Funding LLC has been found in violation of consumer protections in cases such as XXXX XXXX LVNV Funding, LLC, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX where the court held that LVNV violated the FDCPA by attempting to collect on time-barred debts, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where similar violations were noted. These precedents further highlight their pattern of misconduct. Upon reviewing my credit report, I discovered that LVNV Funding LLC has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. 
This action constitutes harassment, defamation of my character, and an outright violation of my rights. LVNV Funding LLC is collecting on behalf of XXXXXXXX XXXX XXXX XXXX  which has an arbitration clause in its terms and agreements. If this alleged debt were indeed mine, it should have been resolved through arbitration rather than being transferred to a debt collector. By taking this course of action, LVNV Funding LLC and XXXX XXXXXXXX XXXX XXXX. have violated their own contractual terms, further infringing on my rights. 
Additionally, my private information has been improperly shared with LVNV Funding LLC, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 
I urge LVNV Funding LLC to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations. 
I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should LVNV Funding LLC fail to address these issues, I will pursue further legal and regulatory actions to protect my rights. This is not a matter to validated this debt that should have taken place prior to communicating with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This collection is on my credit and it does not belong to be and needs to be removed Orginal Creditor is a collection agency that I have never done business with. XXXX XXXX XXXX Collections is closed I do not owe them anything have never has an account with the company and demand validation of this debt or they need to remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft, and despite six disputes, TransUnion has failed to remove fraudulent accounts from my credit report and has reinserted previously deleted fraudulent accounts without providing the legally required notice. I have attached my several FTC reports, Dispute Updates from XXXX AND XXXX, Utility Bill, Drivers License, Social Security Card several times and TRANSUNION continues to send me notices stating my documents are not acceptable. They are attached again to this CFPB Report I have submitted an FTC Identity Theft Report and supporting documentation, yet TransUnion has refused to comply with the Fair Credit Reporting Act ( FCRA ) and continues to report the following fraudulent accounts and inquiries : XXXX XXXX inquiry ( XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, {$4500.00} ) XXXX XXXX XXXX loan ( Account XXXX, {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX, {$31000.00} ) XXXX  ( Reference Number : XXXX ) FCRA Violations by TransUnion : FCRA 605B Failure to Block Fraudulent Accounts : TransUnion failed to block fraudulent accounts within four ( 4 ) business days after receiving my FTC Identity Theft Report and supporting documents.

FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion of Deleted Items Without Notice : TransUnion reinserted the following fraudulent accounts without providing the required notice within five ( 5 ) business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA 612 ( a ) ( 1 ) ( A ) Denial of Access to Credit Reports & Online Disputes : TransUnion restricted my ability to dispute online and denied me access to my free weekly credit reports, violating the CARES Act and FCRA 612 ( a ) ( 1 ) ( A ).

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. The details listed are incorrect, and I need this issue resolved immediately.

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 2025-02-04 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: OH

Complaint narrative:
Subject : Formal Dispute and Cease & Desist Request Under 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally disputing the collection accounts being reported by XXXX XXXX on my credit report. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to refuse to pay this alleged debt and demand that all further collection activities, including credit reporting, cease immediately.

Additionally, I have verified through the XXXX XXXX XXXX XXXX XXXX XXXX  ) that XXXX XXXX is not licensed to operate or collect debts in the state of Ohio. Therefore, their attempt to collect on these accounts is unlawful and a direct violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

Given these violations, I demand the following : Permanent Deletion of These Accounts Since XXXX XXXX is not legally authorized to collect debts in my state, these accounts must be permanently removed from my credit report with XXXX, XXXX, and Equifax. 

XXXXmmediate Cease of Collection Activity Under 15 U.S.C. 1692c ( c ), I am exercising my right to demand that XXXX XXXX cease all communications and collection efforts regarding this alleged debt. 

Proof of Validity ( if applicable ) If XXXX XXXX claims a legal right to report and collect on this debt, I demand documented proof of the original contract bearing my signature and licensing proof allowing collection in Ohio. If no such proof exists, the accounts must be deleted immediately. 

Failure to comply with these legal requirements will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office for violating federal and state consumer protection laws.

I expect confirmation of the permanent deletion of these accounts from my credit report within 30 days of receipt of this letter, as required under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
In XXXX I was notified via my credit report that I had a collections in the amount of XXXX. I have no knowledge of what this could be for. I sent a letter to the creditor asking them to validate and verify the debt, or explain what it's for, and they have not done so. The only correspondence I have received is from the credit report.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to make contact with the credit bureau Experian in reference to an auto installment account listed on my credit report. The information in regard to this account is not reporting accurately. The amount is listed wrong, the reporting date of the account is also inaccurate. The day that I obtained my vehicle, and the date enclosed in my auto contract is different from the reporting date on my consumer report.

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 2025-02-04 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: TX

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. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's receipt administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-02-04 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: TX

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. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's receipt administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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