vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-17 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 of a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-17 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: GA

Complaint narrative:
I opened an account with XXXX in XXXX XXXX in the months that followed, I had some serious medical issues that caused me to miss payments. I called to return the vehicle, and several months later, it was repossessed. XXXX noted the account as closed XX/XX/XXXX. Spring of XXXX, the U.S. Dept of Justice notified me that my personal information had been breached. I also received similar notices from Equifax, and other financial institutions of attempts/alert of suspicious activity. During that process of freezing accounts, I realized that XXXX had noted the account as closed but for the past years, had documented the credit bureaus as closed but reporting a balance due. It appears that the write off had been reported to IRS but had not provided the required Form XXXX. Accordingly, XXXX did not provide the letter of closure for the account that is essentially, a debt cancellation the IRS expects for debts that exceed {$600.00} or more. XXXX never provided the letter or the XXXX Additionally, XXXX did not XXXX the accurate information to the consumer reporting agencies. After requesting copies of my reports, I now find that XXXX Bank has change the account closed dates from XX/XX/XXXX to XX/XX/XXXX for XXXX bureaus, and XX/XX/XXXX for another. XXXX XXXX  has failed to comply with the requirements of accurate reporting, and failure to comply with the statues of IRS reporting. Whether it's a matter of negligence in their accounting or outright fraud, there is a clear violation of the FCRA and the IRS prevailing laws and regulations. The issue is accuracy in reporting. I also recognize that I have a measure of responsibility, but I have been comprised by XXXX because the failure of my reporting the amount of the write off should have been reported to the IRS as ordinary income. XXXX Bank knowingly placed me in violation of the laws. 
I want all information deleted from my files with all reporting agencies. I have provided written statements of my concerns to XXXX XXXX  and the credit bureaus. XXXX XXXX  has responded by simply changing the dates for the account closing to give the impression that their actions are recent and delete the fact that closure was documented by XXXX XXXX  in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I opened an account with XXXX in XXXX XXXX in the months that followed, I had some serious medical issues that caused me to miss payments. I called to return the vehicle, and several months later, it was repossessed. XXXX noted the account as closed XX/XX/XXXX. Spring of XXXX, the U.S. Dept of Justice notified me that my personal information had been breached. I also received similar notices from XXXX, and other financial institutions of attempts/alert of suspicious activity. During that process of freezing accounts, I realized that XXXX had noted the account as closed but for the past years, had documented the credit bureaus as closed but reporting a balance due. It appears that the write off had been reported to IRS but had not provided the required Form XXXX. Accordingly, XXXX did not provide the letter of closure for the account that is essentially, a debt cancellation the IRS expects for debts that exceed {$600.00} or more. XXXX never provided the letter or the Form1099-c. Additionally, XXXX did not XXXX the accurate information to the consumer reporting agencies. After requesting copies of my reports, I now find that XXXX XXXX  has change the account closed dates from XX/XX/XXXX to XX/XX/XXXX for XXXX bureaus, and XX/XX/XXXX for another. XXXX XXXX  has failed to comply with the requirements of accurate reporting, and failure to comply with the statues of IRS reporting. Whether it's a matter of negligence in their accounting or outright fraud, there is a clear violation of the FCRA and the IRS prevailing laws and regulations. The issue is accuracy in reporting. I also recognize that I have a measure of responsibility, but I have been comprised by XXXX because the failure of my reporting the amount of the write off should have been reported to the IRS as ordinary income. XXXX XXXX  knowingly placed me in violation of the laws. 
I want all information deleted from my files with all reporting agencies. I have provided written statements of my concerns to XXXX XXXX  and the credit bureaus. XXXX XXXX  has responded by simply changing the dates for the account closing to give the impression that their actions are recent and delete the fact that closure was documented by XXXX XXXX  in 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 2025-03-17 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: GA

Complaint narrative:
I opened an account with XXXX in XXXX XXXX in the months that followed, I had some serious medical issues that caused me to miss payments. I called to return the vehicle, and several months later, it was repossessed. XXXX noted the account as closed XX/XX/XXXX. XXXX XXXX XXXXXXXX, the U.S. Dept of Justice notified me that my personal information had been breached. I also received similar notices from XXXX, and other financial institutions of attempts/alert of suspicious activity. During that process of freezing accounts, I realized that XXXX had noted the account as closed but for the past years, had documented the credit bureaus as closed but reporting a balance due. It appears that the write off had been reported to IRS but had not provided the required Form XXXX. Accordingly, XXXX did not provide the letter of closure for the account that is essentially, a debt cancellation the IRS expects for debts that exceed {$600.00} or more. XXXX never provided the letter or the XXXX Additionally, XXXX did not XXXX the accurate information to the consumer reporting agencies. After requesting copies of my reports, I now find that XXXX Bank has change the account closed dates from XX/XX/XXXX to XX/XX/XXXX for XXXX bureaus, and XX/XX/XXXX for another. XXXX XXXX  has failed to comply with the requirements of accurate reporting, and failure to comply with the statues of IRS reporting. Whether it's a matter of negligence in their accounting or outright fraud, there is a clear violation of the FCRA and the IRS prevailing laws and regulations. The issue is accuracy in reporting. I also recognize that I have a measure of responsibility, but I have been comprised by XXXX because the failure of my reporting the amount of the write off should have been reported to the IRS as ordinary income. XXXX XXXX  knowingly placed me in violation of the laws. 
I want all information deleted from my files with all reporting agencies. I have provided written statements of my concerns to XXXX XXXX  and the credit bureaus. XXXX XXXX  has responded by simply changing the dates for the account closing to give the impression that their actions are recent and delete the fact that closure was documented by XXXX XXXX  in 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 2025-03-17 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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, TransUnion 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 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, TransUnion '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX XXXX XXXX LVNV Funding, LLC Subject : Cease and Desist Notice Regarding Alleged Debt Collection Activities Dear LVNV Funding, LLC, This letter serves as a formal Cease and Desist demand regarding your repeated attempts to collect an alleged debt that is either unverified, time-barred, or otherwise legally unenforceable. Your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and relevant state laws.

Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the alleged debt, including but not limited to phone calls, letters, emails, or any third-party contact. If you believe that you have the legal authority to pursue this matter, you must provide valid and legally admissible proof of the debts origin, assignment, and enforceability. 

Violations and Legal Precedents Your collection activities may be in violation of multiple federal and state laws, as illustrated by the following cases : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Holding that a debtors mere assertion that a debt is invalid requires the collector to produce evidence proving the debts legitimacy. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Establishing that attempting to collect a time-barred debt is a violation of the FDCPA. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Affirming that misleading representations in debt collection violate consumer protections under the FDCPA. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Confirming that debt collection attorneys are subject to the FDCPAs requirements. 

Potential Legal Consequences Should you continue to engage in unlawful collection practices, I will be forced to explore all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Further noncompliance may result in a civil lawsuit against your company for damages, statutory penalties, and attorney fees. 

Final Notice This letter serves as my final warning. Any further collection efforts without proper legal validation may result in legal action. I require written confirmation within 30 days that you have ceased all collection activities regarding this alleged debt. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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 XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-17 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: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is illegally withholding money in the account and refusing to return it. The company restricted the account almost a year ago. The company senT an email claiming that all funds would be held for 180 days pursuant their terms of service. The 180 day time period has elapsed, and PayPal is still refusing to return the money. 

The company sent an e-mail stating that the money could be withdrawn, and basically take my business elsewhere. The entire customer service department is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that provide no resolution or support. Their inept XXXX XXXX told me that PayPal can not withdraw to XXXX XXXX XXXX XXXX XXXX and something about their " Security system ''. It was one excuse after another. The company has no legal ground or authority to confiscate funds from its clients. 

Conclusively, PayPal is violating there own term of service and illegally withholding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had few wire transfers coming in to my account on Friday of last week. 
Im in the process of buying a home. 
When I went to the branch to make a wire transfer to the escrow lawyer company. 
Citibank froze my account and are not giving me access to any of my bank account stating they will close my accounts and send me a check that will take 30-60 days in the mail.

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 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I dont recall what the debt was for. I am victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team if XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) to gain access to multiple internal systems within the Department of Education, including financial institutions dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: WI

Complaint narrative:
they violated my rights as a consumer under XXXX and I need these items blocked and deleted off my credit report Account Self/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-03-17 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 am writing to formally notify you that I am a victim of a data breach and identity theft. In accordance with 15 USC 1681c-2 c ( a ), I request that Equifax delete and block the bankruptcy they are reporting and all relevant information associated with my name and personal identifiers from there records Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with non-monetary relief